Banco BPM — Conto You vs Credem — Conto Credem Link
In short: Banco BPM — Conto You if your usage matches its strength, Credem — Conto Credem Link otherwise — the numbers above beat any slogan.
| Banco BPM — Conto You | Credem — Conto Credem Link | |
|---|---|---|
| Tier | C | B |
| Rating | ★ 3.5 | ★ 3.8 |
| Account fee | €5 | Free |
| IBAN | dedicato · IT · IT | dedicato · IT · IT |
| Deposit guarantee | EU guarantee €100,000 | EU guarantee €100,000 |
| Multi-currency | No (single currency) | No (single currency) |
| Outbound transfers to third-party IBANs | Yes | Yes |
| Utility direct billing | Yes | Yes |
| SEPA direct debit (SDD) | Yes | Yes |
| On-chain crypto withdrawal | No | No |
| SEPA transfer | €1 | €1 |
| Card included | Carta Numia Debito Internazionale (Mastercard/Visa + Bancomat), canone €24/anno o €0 in promo | CredemCard nazionale gratis; carta internazionale Visa/Mastercard gratis il 1° anno, poi €1,50/mese |
| Interest on balance | 0% | 0% |
| Network | Mastercard/Visa (+ Bancomat) | Visa/Mastercard |
| ATM withdrawal | Free | Free |
| Free ATM limit | Banco BPM ATMs in Italy €0; other bank in Italy €2.10 per withdrawal | Credem ATMs €0; other bank in Italy (national card) €1.90 with first 24 free; international card Italy/Euro Area €0 for the first 12 months, then €2.00 |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | EEA · 1+ countries | EEA · 1+ countries |
| Regulator | Banca d'Italia · BCE (MVU) | Banca d'Italia · BCE (MVU) |
| Segment | B2C | B2C |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Licenza bancaria (Albo Banche n. 8065) | Licenza bancaria (Albo Banche n. 5350) |
Frequently asked questions
Banco BPM — Conto You vs Credem — Conto Credem Link: which is better?
In short: Banco BPM — Conto You if your usage matches its strength, Credem — Conto Credem Link otherwise — the numbers above beat any slogan.
Is Banco BPM — Conto You custodial or self-custody?
Banco BPM — Conto You is custodial: funds are held by the platform, while Credem — Conto Credem Link is custodial.