Live offers across tracked providers in Italy — updated daily from the Giraffy database.
19 live offers compared from 19 providers, from €0 /mese. Updated daily.
€0 /mese
Conto aziendale completo, fondato in Italia. Fatturazione, carte spese e addebiti SEPA a partire da 0 €/mese.
€0 /mese (base)
Conto aziendale multivaluta con pagamenti globali e carte spese di gruppo.
€0 /mese
€0 /mese
€0 /mese
€0 /mese
€0 /mese
€0 /mese
€0 /mese
€2.90 /mese
Conto aziendale di Hype (Banca Sella). Fatturazione elettronica e monitoraggio delle spese per i freelance.
€3 /mese
€5 /mese
Conto corrente aziendale tradizionale di UniCredit. Possibilità di usufruire di un rapporto bancario completo e di linee di credito.
€9 /mese
Il conto aziendale più diffuso in Italia per PMI e liberi professionisti. Include strumenti integrati per la fatturazione e la gestione dell'IVA.
€10 /mese
€10 /mese
€10 /mese
€12 /mese
€15 /mese
€15 /mese
Business banking in Italy covers the conto business — accounts built for holders of a partita IVA, from sole-trader freelancers to companies such as an SRL. Unlike a personal conto corrente, these accounts add tools for invoicing, tax payments and expense management tailored to Italy's compliance environment.
The segment has been transformed by fintech providers offering fast online onboarding and built-in accounting features, competing with the business arms of the major banks.
Fintech-led providers such as Finom, Qonto, Hype Business, Revolut Business and N26 target freelancers and small companies with low-cost digital accounts, while UniCredit, Intesa Sanpaolo and ING serve businesses needing lending, larger cash handling and relationship banking. A crucial local factor is fatturazione elettronica: e-invoices must pass through the Sistema di Interscambio (SDI), so accounts that integrate SDI invoicing save significant admin.
Providers also differ on whether they offer an Italian IBAN or a foreign EU IBAN — relevant for F24 tax payments and acceptance by Italian counterparties.
Partita IVA onboarding — accounts for freelancers on the forfettario regime and for SRLs.
SDI e-invoicing — issue and receive fatturazione elettronica directly from the account.
F24 tax payments — pay taxes and contributions via the F24 form, ideally with an Italian IBAN.
POS and payments — card acceptance, expense cards for staff and integrated bookkeeping.
A forfettario freelancer often needs little more than a low-cost account with SDI invoicing and F24 support — Finom, Qonto or Hype Business fit well. Growing companies that need credit lines, cash deposits or complex payments lean toward UniCredit, Intesa Sanpaolo or ING. Confirm whether the account offers an Italian IBAN and native F24 payment, as some foreign-IBAN fintechs require workarounds. It is also worth checking whether the provider exports data to Italian accounting software or your commercialista, since tight bookkeeping integration can save more time than a marginally lower monthly fee.
Finom and Qonto — fintech business accounts with strong invoicing and expense tools.
Hype Business — a popular low-cost option for freelancers and small partita IVA holders.
Revolut Business and N26 — digital accounts with multi-currency and card features.
UniCredit, Intesa Sanpaolo and ING — major banks for lending and full-service business needs.
Monthly fees range from €0 on entry-level fintech tiers up to around €15 for plans with more users, cards, invoicing and integrations. Traditional banks may charge higher canone plus per-transaction fees but bundle in cash handling and lending. Watch for costs on physical POS terminals, cash deposits, foreign transfers and the number of included e-invoices. The imposta di bollo can also apply to business accounts and invoices.
Business accounts at licensed banks are covered by FITD up to €100,000 per depositor. Fintech providers may operate as payment or e-money institutions under PSD2/EMD2 rather than banks — in that case funds are safeguarded in segregated accounts rather than FITD-protected, an important distinction for larger balances. All are supervised by Banca d'Italia or another EU regulator, with PSD2 security requirements on payments.
Do I need an Italian IBAN? It smooths F24 tax payments and acceptance by Italian partners; some fintechs use a foreign EU IBAN.
Can the account handle e-invoicing? Many integrate SDI fatturazione elettronica directly — check before signing up.
Is my business money protected? Bank accounts have FITD cover to €100,000; e-money/payment institutions safeguard funds separately instead.
The cheapest Business Banking in Italy is €0 /month from Finom.
Giraffy tracks 5 business banking options across Finom,Revolut Business,N26,ING,Banca Mediolanum providers in Italy. Compare by monthly fee, included transactions, international transfer costs, and integration with accounting software to find the right fit for your business.
Legally you must have a separate business account if you're a limited company. Sole traders can use a personal account, but a dedicated business account simplifies bookkeeping, gives a more professional image, and makes tax returns easier. Most accounting software integrates directly with business accounts.
Requirements in Italy typically include: Certificate of Incorporation (for limited companies), business address proof, director and beneficial owner IDs, and a description of business activities. Banca d'Italia-regulated banks are required to conduct Know Your Customer (KYC) checks — digital-first providers often complete this online.
Business accounts usually charge a monthly fee (£5–£40 equivalent) plus per-transaction fees for cash handling and international transfers. Digital-only business banks like Tide, Starling, and Monzo Business offer lower-cost or fee-free entry plans. Traditional banks typically include more cashflow tools and relationship banking.
Many business bank accounts include access to a business credit card, overdraft facility, or invoice financing. These are subject to a business credit check. Separating business credit from personal credit helps protect your personal score if the business encounters cash flow difficulties.
Digital-first providers can open accounts in 24–48 hours. Traditional banks typically take 5–15 working days due to enhanced business due diligence. Having all documents ready (company certificate, director IDs, utility bills) in advance significantly speeds up the process.