X Conto
Grow your money with the rewarded business account while managing your business.
For all details, refer to the information sheet in Transparency.
Want more from your money?
Get back an annual return of 1% gross until 30/06/2025. Read the fact sheet in the Transparency area.
Looking for a bank account with zero fees?
Choose X Conto and you'll have all payment functionalities with zero fees.
Want an additional account for your extra cash?
Keep it under control and make your cash grow with X Conto Easy.
Why it's different?It's the solution that matches your interest
With payment functionalities and a 1% gross annual rate yield until 30 June 2025.
It's 100% online.
Zero fees and cancel anytime.
Connect other business accounts.
Pay bills from your smartphone, thanks to the CBILL service.
Receive your yield at the end of the year.
How does it work?X Conto makes your cash work
Make your money work for you.
- The yield is based on the daily balanceApplying a gross annual rate of 1% until 30 June 2025.
- It’s calculated for the reporting periodWhich is three months
- The money is sent at the end of the yearDirectly on your account.
Why XConto?It's simple and choosing it pays off
Start growing your cash today with X Conto Easy. You'll be able to upgrade to X Conto Plus as soon as it'll be available.
What are the features?
X ContoEasy
0€ / month
X ContoPlus
40 € / month (coming soon)
Yield gross annual rate
X Conto Easy, Yield gross annual rate included, 1%
X Conto Plus, Yield gross annual rate included, 1%
Free SEPA transfers
X Conto Easy, Free SEPA transfers included, 5 per month
X Conto Plus, Free SEPA transfers included, 30 per month
CBILL payments
F24 payments
Account aggregation
Access for multiple users
X Conto Easy, Access for multiple users included, 0
X Conto Plus, Access for multiple users included, 5
X ContoEasy
0€ / month
X ContoPlus
40 € / month (coming soon)
X Conto Easy, Yield gross annual rate included, Yield gross annual rate
1%
1%
X Conto Plus, Yield gross annual rate included, Yield gross annual rate
1%
1%
X Conto Easy, Free SEPA transfers included, Free SEPA transfers
5 per month
5 per month
X Conto Plus, Free SEPA transfers included, Free SEPA transfers
30 per month
30 per month
X Conto Easy, Access for multiple users included, Access for multiple users
0
0
X Conto Plus, Access for multiple users included, Access for multiple users
5
5
Request your account now, it takes a few clicks.
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 remunerated current account designed for PMI (corporations, sole proprietorships or partnerships) with tax residence in Italy and established and/or registered with the Chamber of Commerce for more than 24 months from the date of submission of the account request..
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 June 30, 2025. Currently, starting from July 1, 2025, the rate is expected to decrease to 0.5%.
How can I best use the account?
X Conto allows you to generate an annual return, based on your average balance. Therefore, the more money you leave in the account, the higher the return.
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
If you'd like to receive our updates, leave us your email.