IsyBank — Conto (isyLight) vs Intesa Sanpaolo — XME Conto

In short: IsyBank — Conto (isyLight) if your usage matches its strength, Intesa Sanpaolo — XME Conto otherwise — the numbers above beat any slogan.

IsyBank — Conto (isyLight) 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 Free Free
Card included Carta di debito digitale Mastercard/Visa gratis (fisica €12 una tantum su isyLight) XME Debit Card (Mastercard/Visa + BANCOMAT) inclusa, canone €0
Interest on balance 0% 0%
Network Mastercard/Visa (+ BANCOMAT) Mastercard/Visa (+ BANCOMAT)
ATM withdrawal Free Free
Free ATM limit Intesa Sanpaolo Group ATMs €0; other SEPA-area bank €1.10 (free worldwide on isyPrime) 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 Banca d'Italia · BCE (MVU)
Segment B2C B2C
Regions EU/EEA EU/EEA
Licences & safety Licenza bancaria (Albo Banche n. 5692) Licenza bancaria (Albo Banche n. 5361)
IsyBank — Conto (isyLight) 3.8/5 · Tier B
Numbers Open ↗
Intesa Sanpaolo — XME Conto 3.8/5 · Tier B
Numbers Open ↗

Frequently asked questions

IsyBank — Conto (isyLight) vs Intesa Sanpaolo — XME Conto: which is better?

In short: IsyBank — Conto (isyLight) if your usage matches its strength, Intesa Sanpaolo — XME Conto otherwise — the numbers above beat any slogan.

Is IsyBank — Conto (isyLight) custodial or self-custody?

IsyBank — Conto (isyLight) is custodial: funds are held by the platform, while Intesa Sanpaolo — XME Conto is custodial.