X Conto
For businesses looking to simplify their financial management.
No fixed costs, entirely online.
For all details, refer to the information sheet in Transparency.
A bank account with zero fees?
With X Conto you have access to payment services to manage your business, without monthly fees. You only pay the state stamp duty.
Open your account in just a few clicks?
Open our business current account online. In just a few steps, you'll receive your IBAN. Simple and fast.
...And without opening and management fees!
Opening X Conto is completely FREE.
How does it work?Payment Services
- Use SEPA transfers. The first 5 per month are free
- Make CBILL payments & F24, online
- Aggregate all your working accountsand monitor your business cash flow
What do you need?
The process is simple and straightforward: keep the things on this list close to you.
- 01Tax Code
from your national health card.
- 02VAT number
of your business.
- 03SPID/CIE credentials & related ID document
of the legal representative or person with signatory power.
- 04Biographical data
of each beneficial owner.
- 05A device with webcam and camera
such as a computer, tablet or smartphone.
Still in doubt?
Who can open X Conto?
X Conto is the zerp-fee current account designed for SMEs (corporations, sole proprietorships or partnerships)cwith Italian tax residence that have been incorporated and/or registered with the Chamber of Commerce for more than 24 months prior to the account application date.
Will the yield of X Conto always be 1% gross?
For new customers subscribing to X Conto from April 2, 2024, the yield of X Account is 1% annual gross from the product opening date until March 31 2026. Currently, starting from April 1, 2026, the rate is expected to decrease to 0.5%.
How can I best use the account?
X Conto is a zero-fee account. There are no costs for opening or closing. You'll only need to consider the standard costs for payment commissions and stamp duty.
Want more details?Read the X Conto fact sheet in Italian
Who invests in us?We are a financially robust bank, thanks in part to those who believe in our project
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