Credem — Conto Credem Link vs Intesa Sanpaolo — XME Conto
Neither wins across the board: weigh the points above against your use case before choosing between Credem — Conto Credem Link and Intesa Sanpaolo — XME Conto.
| Credem — Conto Credem Link | Intesa Sanpaolo — XME Conto | |
|---|---|---|
| Tier | B | B |
| Rating | ★ 3.8 | ★ 3.8 |
| Account fee | Free | €9 |
| 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 | Free |
| Card included | CredemCard nazionale gratis; carta internazionale Visa/Mastercard gratis il 1° anno, poi €1,50/mese | XME Debit Card (Mastercard/Visa + BANCOMAT) inclusa, canone €0 |
| Interest on balance | 0% | 0% |
| Network | Visa/Mastercard | Mastercard/Visa (+ BANCOMAT) |
| ATM withdrawal | Free | Free |
| Free ATM limit | 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 | ATM withdrawals at Intesa Sanpaolo Group and other SEPA-area banks free |
| 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. 5350) | Licenza bancaria (Albo Banche n. 5361) |
Frequently asked questions
Credem — Conto Credem Link vs Intesa Sanpaolo — XME Conto: which is better?
Neither wins across the board: weigh the points above against your use case before choosing between Credem — Conto Credem Link and Intesa Sanpaolo — XME Conto.
Is Credem — Conto Credem Link custodial or self-custody?
Credem — Conto Credem Link is custodial: funds are held by the platform, while Intesa Sanpaolo — XME Conto is custodial.