BPER Banca — BPER On Demand vs ING — Conto Corrente Arancio
In our editorial rating ING — Conto Corrente Arancio leads (3.9 vs 3.4). The choice depends on your real spending profile: redo the math with your volumes before picking between BPER Banca — BPER On Demand and ING — Conto Corrente Arancio.
| BPER Banca — BPER On Demand | ING — Conto Corrente Arancio | |
|---|---|---|
| Tier | C | B |
| Rating | ★ 3.4 | ★ 3.9 |
| 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 | €2 | Free |
| Card included | Carta di Debito Plus (Visa) inclusa a €0 sul canale online | Carta di debito Mastercard a canone €0 (entrambi i profili) |
| Interest on balance | 0% | 0% |
| Network | Visa | Mastercard |
| ATM withdrawal | Free | Free |
| Free ATM limit | BPER Group ATMs €0; other bank in Italy or Euro Area €2.70 per withdrawal (free unlimited at all Italian ATMs on the Pro plan) | ATM withdrawals in Italy and Europe €0 (Arancio Più) / €0.95 (Arancio Light); ING has no own ATMs |
| 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) | DNB (Paesi Bassi) · Banca d'Italia |
| Segment | B2C | B2C |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Licenza bancaria (Albo Banche n. 4932) | Licenza bancaria (Albo Banche n. 5229 — succursale di banca comunitaria) |
Frequently asked questions
BPER Banca — BPER On Demand vs ING — Conto Corrente Arancio: which is better?
In our editorial rating ING — Conto Corrente Arancio leads (3.9 vs 3.4). The choice depends on your real spending profile: redo the math with your volumes before picking between BPER Banca — BPER On Demand and ING — Conto Corrente Arancio.
Is BPER Banca — BPER On Demand custodial or self-custody?
BPER Banca — BPER On Demand is custodial: funds are held by the platform, while ING — Conto Corrente Arancio is custodial.