Bank Account Opening

Bank Account Opening

Open a conto corrente for salary, rent, and daily life in Italy

Document Preparation

Codice fiscale, ID, proof of address, and employment/income proof.

Bank Selection

Guidance on traditional banks vs. digital options and fees.

Non-Resident Options

Some banks offer accounts for non-residents; we help you find them.

An Italian bank account (conto corrente) is essential for receiving salary, paying rent and utilities, and managing daily finances. Most Italian employers and landlords expect payments via Italian bank transfer (bonifico). Banks require the codice fiscale as a minimum; many also ask for proof of address, a valid ID, and sometimes proof of employment or income. Anti-money-laundering (AML) rules mean banks may request additional documentation.

If you are not yet resident in Italy, some banks offer "conto per non residenti" or basic accounts for those with a codice fiscale obtained at the consulate. Digital banks and fintech options have made it easier for some relocators to open accounts with fewer documents. We help you choose the right bank, prepare the documentation, and navigate the application process—including dealing with any AML or compliance questions from the bank.

Typical Requirements

Documents commonly needed to open an Italian bank account

Codice Fiscale

Mandatory for all Italian bank accounts.

Valid ID

Passport or identity card; permesso di soggiorno if non-EU.

Proof of Address

Utility bill, lease, or residence certificate.

Employment Contract

Or proof of income/employment when requested.

Self-Declaration

Dichiarazione sostitutiva for tax residency and other info.

In-Person Visit

Most banks require an in-branch appointment for account opening.

Frequently Asked Questions

Common questions about opening an Italian bank account

Can I open an account before I have an Italian address?

Some banks offer accounts for non-residents with a codice fiscale. Requirements vary. We help you identify banks that accept applications before you have a lease or residence certificate.

Do I need to speak Italian to open an account?

Many banks have staff who speak English, especially in larger cities. We can accompany you or provide document templates and guidance to simplify the process.

What are the typical fees?

Fees vary by bank and account type. Basic accounts can have monthly fees, transaction costs, and card fees. Digital banks often offer lower-cost options. We help you compare.

Can I use a digital or neobank?

Yes. Some digital banks and fintechs offer Italian IBANs with simpler onboarding. Not all employers or landlords accept them, so we advise on compatibility with your needs.

Italiza Offices

Italiza has offices strategically located in Italy, the United States of America, Brazil and Argentina.