IT · EUR
Italy digital banks
Italy’s digital layer is mostly bank-owned. Banca Widiba is Montepaschi’s digital and advice bank — Banca d’Italia / ECB, FITD, Italian IBAN. Fineco is the other search. Revolut and N26 sit beside them as foreign IBANs. FITD is a consortium of Italian banks; the cap is per depositor per bank, and group maths still apply. An EMI IBAN that looks Italian is not FITD.
1Live on the desk
Regulator
Banca d’Italia and ECB; CONSOB for markets
Deposit scheme
FITD (Fondo Interbancario di Tutela dei Depositi) up to €100,000 per depositor per bank
In this market
Licence still sits on the product| Product | Score | HQ | Monthly | FX | Users | Licence | |
|---|---|---|---|---|---|---|---|
 Banca Widiba | 7.0 | Milan, Italy | Account packs — confirm live | Bank tariff | MPS digital + advisor network | Credit institution — Banca Widiba S.p.A. (Wise Dialog Bank) |
Questions
Is Banca Widiba FITD-protected?+–
Banca Widiba S.p.A. is an Italian credit institution in the Montepaschi group. Eligible deposits sit under FITD up to €100,000. Treat the cap as a group question if you already hold Montepaschi.
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