How to Open a Bank Account in Italy? – 2026 Guide
How to Open a Bank Account in Italy? – 2026 Guide 💳
Opening a bank account is one of the most important steps for anyone planning to live, work, or study in Italy. Thanks to Italy’s well-established and regulated banking system, financial transactions are both secure and practical.
In this guide, you’ll find a step-by-step overview of how to open a bank account in Italy and explore alternative options. ✨
Why Do You Need a Bank Account in Italy?
In Italy, a bank account is required for many daily and official transactions, such as:
Rent payments 🏠
Salary or scholarship payments 💰
Utility bills and subscriptions (electricity, internet, phone) 📶
Tax and social security procedures
Especially for students, employees, and newcomers, having a bank account makes everyday life much easier.
🏦 Types of Banks You Can Choose in Italy
When choosing a bank in Italy, there are three main options depending on your needs:
1. Traditional Banks
Banks such as Intesa Sanpaolo, UniCredit, Banco BPM, and BPER Banca offer services through physical branches.
Advantages:
Face-to-face customer service
Wide ATM network
Credit products and financial consulting
2. Digital / Online Banks
Banks like N26, Revolut, and Wise operate fully or primarily online.
Advantages:
Fast application process
Low or zero account maintenance fees
Easy-to-use mobile apps
3. Immigrant & International-Friendly Banks
N26 and Revolut are among the most popular choices for foreigners who have recently moved to Italy.
📄 Required Documents to Open a Bank Account in Italy
As of 2026, most Italian banks generally require the following documents:
Passport or national ID
Codice Fiscale (Italian tax identification number)
Proof of address or address declaration
Residence permit / visa (for non-EU citizens)
Proof of income or employment contract (may be required by some banks)
Student certificate (for students)
Online banks usually allow account opening with fewer documents via digital verification.
🛠️ Step-by-Step Process to Open a Bank Account in Italy
Choose a bank – Select the bank and account type that best suits your needs.
Apply – Submit your application online or book an appointment at a branch.
Identity verification – Complete verification in-branch or online.
Address confirmation – Your card and account details are sent to your address.
Account activation – Once your card arrives, you can start using online banking.
Things to Know Before Opening a Bank Account in Italy
Some banks may request additional documents or a minimum balance from foreigners.
Opening an account without a Codice Fiscale is usually not possible.
Account maintenance fees vary by bank; free account options are available.
Traditional banks generally take longer than online banks.
🚀 Sending Money to Italy Without a Bank Account – kuikpara
You don’t need to open a bank account to send money to Italy. With kuikpara, you can:
Send money to Italy for free without a bank account.
Fast and secure transfers
Low-cost and transparent transactions
Real-time transfer tracking ✅
Easily send money from Turkey to your family members or business partners in Italy.
📲 How to Use kuikpara?
Download the app 📱
Download the kuikpara app from the App Store or Google Play (iOS & Android).
Create an account ✍️
Sign up quickly using your phone number and email address.
Verify your identity ✅
Complete identity verification for secure transactions.
Top up and send money 💸
Add balance to your wallet and make instant, free transfers to people, cards, or bank accounts.
❓ Frequently Asked Questions (FAQ)
How long does it take to open a bank account in Italy?
Online banks: 10–20 minutes
Traditional banks: a few business days
Can I open a bank account before moving to Italy?
Traditional banks: usually no
Online banks: possible in some cases
Do I need a bank account to send money from Turkey to Italy?
No. With kuikpara, you can make fast and secure transfers without a bank account.