Intesa Sanpaolo — XME Conto vs Fineco — Conto Fineco

The choice depends on your real spending profile: redo the math with your volumes before picking between Intesa Sanpaolo — XME Conto and Fineco — Conto Fineco.

Intesa Sanpaolo — XME Conto Fineco — Conto Fineco
Tier B A
Rating ★ 3.8 ★ 4.0
Account fee €9 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 XME Debit Card (Mastercard/Visa + BANCOMAT) inclusa, canone €0 Fineco Card Debit (BANCOMAT + Visa Debit) €9,95/anno + €2,25 spedizione, gratis under 30
Interest on balance 0% 0%
Network Mastercard/Visa (+ BANCOMAT) Visa (+ BANCOMAT)
ATM withdrawal Free Free
Free ATM limit ATM withdrawals at Intesa Sanpaolo Group and other SEPA-area banks free 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. 5361) Licenza bancaria (Banca d'Italia · BCE-MVU)
Intesa Sanpaolo — XME Conto 3.8/5 · Tier B
Numbers Open ↗
Fineco — Conto Fineco 4.0/5 · Tier A
Numbers Open ↗

Frequently asked questions

Intesa Sanpaolo — XME Conto vs Fineco — Conto Fineco: which is better?

The choice depends on your real spending profile: redo the math with your volumes before picking between Intesa Sanpaolo — XME Conto and Fineco — Conto Fineco.

Is Intesa Sanpaolo — XME Conto custodial or self-custody?

Intesa Sanpaolo — XME Conto is custodial: funds are held by the platform, while Fineco — Conto Fineco is custodial.