Crédit Agricole Italia — Conto Online vs Intesa Sanpaolo — XME Conto
In short: Crédit Agricole Italia — Conto Online if your usage matches its strength, Intesa Sanpaolo — XME Conto otherwise — the numbers above beat any slogan.
| Crédit Agricole Italia — Conto Online | Intesa Sanpaolo — XME Conto | |
|---|---|---|
| Tier | B | B |
| Rating | ★ 3.7 | ★ 3.8 |
| Account fee | €2 | €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 | Free | Free |
| Card included | Carta International Debit Visa gratis 24 mesi (poi €24/anno); carta nazionale BANCOMAT sempre gratis | XME Debit Card (Mastercard/Visa + BANCOMAT) inclusa, canone €0 |
| Interest on balance | 0% | 0% |
| Network | Visa (+ BANCOMAT) | Mastercard/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 | 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. 5435) | Licenza bancaria (Albo Banche n. 5361) |
Frequently asked questions
Crédit Agricole Italia — Conto Online vs Intesa Sanpaolo — XME Conto: which is better?
In short: Crédit Agricole Italia — Conto Online if your usage matches its strength, Intesa Sanpaolo — XME Conto otherwise — the numbers above beat any slogan.
Is Crédit Agricole Italia — Conto Online custodial or self-custody?
Crédit Agricole Italia — Conto Online is custodial: funds are held by the platform, while Intesa Sanpaolo — XME Conto is custodial.