Open bank account in Italy: the reality for non-residents in 2025
It has become easier to open bank account in Italy in 2025. Despite digitalization, most banks still require a personal presence. However, the new rules allow non—residents to obtain a basic account (conto base) even without a residence permit, provided that they confirm their legal stay and source of funds. This is especially true for those who are planning to purchase real estate, obtain a residence permit or seasonal activities.
Starting from November 2025, the key criteria remain: the presence of a codice fiscale, an identity document, and an explanation of the purpose of opening an account.
The main reasons to open bank account in Italy:
– Buying or renting real estate — most transactions go through Italian banks.
– Payment of utilities and taxes directly — without intermediaries and commissions.
– Receiving a salary from a local employer or a contract with an Italian company.
– Applying for a residence permit — Questura may request confirmation of financial stability.
– Running a small business or craft activity (partita IVA).
Important: starting in 2025, control over transfers has been tightened — amounts over €2,000 require an explanation of the origin of the funds.
Which banks accept non-residents in 2025
Not all banks work with foreigners without a residence permit. The most loyal:
– Intesa Sanpaolo — offers a digital Youth & Expats account with the possibility of remote start.
– UniCredit — requires a personal visit, but accepts clients on a tourist visa D.
– Banco BPM — cooperates with consultants and allows opening through a trusted person.
– Banca Sella — specializes in clients from Eastern Europe, there are Russian-speaking managers.
– Non-banking platforms: N26 and Revolut allow you to specify an Italian address, but they do not provide an Italian IBAN.
Please note: starting from October 1, 2025, the “seasonal account” for tourists has been abolished. Now even a temporary account requires a letter of motivation and proof of connection with Italy — for example, booking accommodation for 6+ months.
Step-by-step process from the first visit to activation
The account opening procedure includes several mandatory steps:
1. Receiving codice fiscale is free of charge at the consulate or through a representative in Italy.
2. Preparation of a package of documents: passport, income statement, motivation letter in Italian.
3. Make an appointment at the bank — many branches accept only by appointment.
4. Personal appearance with a translation of documents certified by a notary in Italy.
5. Signing the contract and activation — it is recommended to make the first transfer within 30 days.
If you are located outside Italy, you can appoint a proxy. However, the power of attorney must be apostilled and translated by a certified translator.
-> Full process support from Italiatut!
Typical mistakes and how to avoid them
Many applications are rejected due to formal omissions. Here’s what’s important to check:
– The letter of justification is written in general terms — you need a specific indication of the purpose (for example, “payment of rent in Lucca”).
– Income is confirmed by an extract without a transfer or without an apostille — the documents must meet the requirements.
– A temporary address is indicated without confirmation from the owner — the bank may request registration at the place of stay.
– An outdated sample application was used — the forms are updated annually, the latest ones are on the bank’s website.
– An attempt to open an account in a provincial branch without communication with the region — such banks are more often refused.
What does the Italian bank account give in 2025-2026?
Having an account is not only a convenience, but also a legal advantage:
– Simplified application for a residence permit for financially independent persons.
– The opportunity to register a small business (ditta individuale) without a resident partner.
– Access to government subsidies for energy efficiency during home renovation.
– Receiving an electronic mailbox (PEC), which is mandatory for all legal actions.
– Integration into the local community — many municipal services are available only through the Italian IBAN.
Are you ready to open an account without unnecessary delays and refusals? Write to us in Telegram — we will select a bank for your situation, prepare the documents and arrange a turnkey visit.
Our clients often combine document preparation with an author’s tour through Gidtut.
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