Italy
activeNeobank
- HQ
- Biella / Milan
- Fee
- Free SKU plus paid plans — confirm live
isybank
Intesa Sanpaolo digital bank. FITD. Italian IBAN. Shared-group cap with Intesa.
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7.0Solid
AlternativesFive questions
At a glance
Is it a bank?
Yes — Italian bank — isybank S.p.A., Intesa Sanpaolo group (ex Banca 5 / Banca ITB) (Banca d’Italia / ECB). Still read the entity on the statement.
If it fails?
FITD up to €100,000 — Intesa Sanpaolo group. Do not double-count with an Intesa current account.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Plan-priced — confirm live
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
7.0
/10 · Solid
isybank S.p.A. is Intesa Sanpaolo’s digital bank — the 2023 rebrand of Banca 5, itself ex Banca ITB. FITD. Italian IBAN. Intesa spent hundreds of millions and annoyed branch customers by moving them. HYPE is Sella. Fineco is Fineco. This is Intesa in a light-blue coat. Shared cap.
What it is
Torre Gioia 22, Milan. Thought Machine stack. Directories list a 2023 challenger. The albo is an Intesa subsidiary that has existed since 2008 under other names. The app is new. The group is not.
Best for: Italy residents who want Intesa FITD in a new app and do not already sit at Intesa for the cap.
Last checked 2026-08-30. Not advice.
What it does well
- +Named Intesa group bank
- +FITD
- +Not HYPE / Sella
- +Real Italian IBAN
What to watch
- −Shared-group cap with Intesa
- −Forced-migration history from Intesa branches
- −Italy-resident
- −Plans for the useful bits
Who holds the money
The account
- Partner bank
- Intesa Sanpaolo S.p.A.
How money actually moves
- Who holds the cash
- Bank balance
- How money moves
- IBAN / SEPA
- Built for
- Personal
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- isybank lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
FITD up to €100,000 — Intesa Sanpaolo group. Do not double-count with an Intesa current account.
Who holds the money: isybank S.p.A.
- Banca d’Italia / ECBItalian bank — isybank S.p.A., Intesa Sanpaolo group (ex Banca 5 / Banca ITB) · Italy
Fees
- Monthly
- Plan-priced — confirm live
- FX markup
- Bank tariff
- ATM
- Intesa / Bancomat network
Features
- ✓IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Italian IBAN
- Intesa group digital bank
- FITD
- Thought Machine core
- App-only
Score
- Safety25%
- 8.4
- Fees20%
- 7.4
- Features15%
- 7.0
- App15%
- 7.6
- Global15%
- 3.8
- Support10%
- 6.8
Change log
Full logLicence
Intesa Sanpaolo digital bank, FITD
Ex Banca 5 / ITB. Shared-group cap with Intesa.
Available in
Straight answers
FAQ
01Is isybank a bank?
isybank holds a banking-style licence (Banca d’Italia / ECB). Still read the legal entity on the statement, not the app icon.
02How is money protected?
FITD up to €100,000 — Intesa Sanpaolo group. Do not double-count with an Intesa current account.
03Where is isybank available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with isybank.
04Card and wallets?
isybank lists a physical card and a virtual card on mastercard, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open isybank remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
Alternatives
Banca Widiba
Montepaschi’s digital and advice bank. Banca d’Italia / ECB. FITD. Italian IBAN.
7.0Solid
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