BancoPosta — Conto BancoPosta (Start) vs BBVA Italia — Conto Corrente Online
In our editorial rating BBVA Italia — Conto Corrente Online leads (4.0 vs 3.2). The choice depends on your real spending profile: redo the math with your volumes before picking between BancoPosta — Conto BancoPosta (Start) and BBVA Italia — Conto Corrente Online.
| BancoPosta — Conto BancoPosta (Start) | BBVA Italia — Conto Corrente Online | |
|---|---|---|
| Tier | C | A |
| Rating | ★ 3.2 | ★ 4.0 |
| Account fee | €7 | Free |
| IBAN | dedicato · IT · IT | dedicato · IT · IT |
| Deposit guarantee | altro | 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 | Free |
| Card included | Carta di debito Postepay Mastercard (Postamat + Mastercard) inclusa nel canone | Carta di Debito BBVA (Mastercard) gratuita per sempre |
| Interest on balance | 0% | — |
| Network | Mastercard (Postepay/Postamat) | Mastercard |
| ATM withdrawal | Free | Free |
| Free ATM limit | Postamat ATMs €0; other bank in Italy €1.75 (with Postepay Mastercard card) | Withdrawals €0 in Italy and the euro area for amounts of €100 or more; €2 below €100; €1,000/day limit |
| 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 | Banco de España · BCE (MVU) |
| Segment | B2C | B2C |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Patrimonio BancoPosta vigilato da Banca d'Italia (ABI 07601) | Licenza bancaria spagnola (Banco de España · BCE-MVU); opera in Italia come succursale UE |
Frequently asked questions
BancoPosta — Conto BancoPosta (Start) vs BBVA Italia — Conto Corrente Online: which is better?
In our editorial rating BBVA Italia — Conto Corrente Online leads (4.0 vs 3.2). The choice depends on your real spending profile: redo the math with your volumes before picking between BancoPosta — Conto BancoPosta (Start) and BBVA Italia — Conto Corrente Online.
Is BancoPosta — Conto BancoPosta (Start) custodial or self-custody?
BancoPosta — Conto BancoPosta (Start) is custodial: funds are held by the platform, while BBVA Italia — Conto Corrente Online is custodial.