Crédit Agricole Italia — Conto Online vs Fineco — Conto Fineco
Neither wins across the board: weigh the points above against your use case before choosing between Crédit Agricole Italia — Conto Online and Fineco — Conto Fineco.
| Crédit Agricole Italia — Conto Online | Fineco — Conto Fineco | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.7 | ★ 4.0 |
| Account fee | €2 | 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 | Free | Free |
| Card included | Carta International Debit Visa gratis 24 mesi (poi €24/anno); carta nazionale BANCOMAT sempre gratis | Fineco Card Debit (BANCOMAT + Visa Debit) €9,95/anno + €2,25 spedizione, gratis under 30 |
| Interest on balance | 0% | 0% |
| Network | Visa (+ BANCOMAT) | Visa (+ BANCOMAT) |
| ATM withdrawal | Free | Free |
| Free ATM limit | Crédit Agricole group ATMs in Italy and France €0; other banks in Italy €2.10; outside euro area €3.10 + conversion | BANCOMAT Italy >€99 €0 (<€99 €0.80); Visa Debit circuit (UniCredit Group and other banks) €1.45 |
| 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. 5435) | Licenza bancaria (Banca d'Italia · BCE-MVU) |
Frequently asked questions
Crédit Agricole Italia — Conto Online vs Fineco — Conto Fineco: which is better?
Neither wins across the board: weigh the points above against your use case before choosing between Crédit Agricole Italia — Conto Online and Fineco — Conto Fineco.
Is Crédit Agricole Italia — Conto Online custodial or self-custody?
Crédit Agricole Italia — Conto Online is custodial: funds are held by the platform, while Fineco — Conto Fineco is custodial.