Best zero-fee current accounts 2026
Ranking updated August 2026 · 22 verified services
Ranked by editorial rating — placement is never for sale
Current accounts available in Italy with a €0 monthly fee, ranked by editorial rating. A zero fee is only the starting point: also check transfer costs, ATM withdrawals and the state stamp duty (€34.20/year, due above a €5,000 average balance).
The top pick is Revolut (rated 4.8/5), with real cashback up to 1%.Wise and N26 follow. Verified data, with a source for every entry.
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1
RevolutS Crypto-Friendly Banks
Multi-currency account with EU banking licence and €100k deposit guarantee
Cashback up to 1% €0 -
2
€0
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3
€0
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4
BBVA Italia — Conto Corrente OnlineA Italian Bank Current Accounts
€0 fee forever with no conditions: no salary crediting, minimum balance or lock-in
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5
Fineco — Conto FinecoA Italian Bank Current Accounts
Fineco One plan at €0/month fee with no conditions; SEPA and instant transfers at €0 and SDD direct debits at €0
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6
Trade Republic CardA Crypto-Friendly Banks
German bank with a full BaFin licence and €100k deposit guarantee
€0 -
7
ING — Conto Corrente ArancioB Italian Bank Current Accounts
Dual profile: Arancio Light at €0 and Arancio Più with SEPA/instant transfers, withdrawals and card all at €0
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8
Banca Ifis — Rendimax Conto CorrenteB Italian Bank Current Accounts
€0 account-keeping fee and free Mastercard debit card: fixed cost limited to stamp duty only (€34.20/year above €5,000 balance)
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9
buddybank — Conto Corrente Genius buddyB Italian Bank Current Accounts
€0/month fee with no conditions; you only pay the €34.20/year stamp duty
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10
Credem — Conto Credem LinkB Italian Bank Current Accounts
Structural €0 fee, with no conditions to meet
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11
HYPEB Italian Bank Current Accounts
€0 fee on the base plan with free ordinary and instant SEPA transfers and an Italian IBAN
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12
IsyBank — Conto (isyLight)B Italian Bank Current Accounts
Base isyLight plan at €0 fee with a free digital Mastercard/Visa card
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13
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14
Cherry Bank — Conto Corrente OnlineB Italian Bank Current Accounts
Genuine unconditional zero fee: €0 opening, €0 maintenance, €0 internet banking and app
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15
TinabaB Italian Bank Current Accounts
Genuine €0 fee, no stamp duty, with an Italian IBAN and unlimited operations included
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16
SatispayB Crypto-Friendly Banks
Huge acceptance network in Italy (shops and P2P), extremely popular app
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17
BCC — Credito Cooperativo (Gruppo Iccrea)C Italian Bank Current Accounts
Widespread, deeply-rooted cooperative network (~111 BCC, ~2,400 branches, real in-branch service) supervised by the ECB
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18
KlarnaB Crypto-Friendly Banks
A real bank with a Swedish licence and deposits covered by Sweden's guarantee scheme (Riksgalden) up to ~EUR 100,000
Cashback up to 0.5% €0 -
19
Vivid MoneyC Crypto-Friendly Banks
Italian IBAN with a Visa debit card and up to 4% category cashback
Cashback up to 4% -
20
PayPal (Italia)C Crypto-Friendly Banks
Free account/wallet, universally accepted for online payments, with strong buyer protection
Cashback up to 0.5% €0 -
21
Banca di Asti — Conto SempliceC Italian Bank Current Accounts
No fixed fee (€0): suited to those who keep the account almost idle
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22
MoneseC Crypto-Friendly Banks
Ideal for immigrants and those without a fixed address; FCA EMI; UK+EU IBAN; fast onboarding.
Cashback up to 0.5% €0
Frequently asked questions
Are there truly zero-fee current accounts in Italy?
Yes: this list gathers accounts with a €0 monthly fee available in Italy. Only the state stamp duty of €34.20/year applies if your average balance exceeds €5,000; some accounts pay it for you if you are young.
Does zero fee mean everything is free?
No: the fee is only one item. Check SEPA transfer costs, ATM withdrawals at other banks and the physical card. A zero-fee account with paid transfers can cost more than one with a small fee and everything included.