X Conto       

Grow your money with the rewarded business account while managing your business.

For all details, refer to the information sheet in Transparency.

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A florist in front of his shop
A florist in front of his shop

Why it's different?It's the solution that matches your interest

With payment functionalities and a 1% gross annual rate yield until March 31 2026.

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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 31 March 2026.
  • 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.

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What are the features?

X ContoEasy

X ContoPlus

0€ / month

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

X ContoPlus

0€ / month

40 € / month (coming soon)

X Conto Easy, Yield gross annual rate included, Yield gross annual rate

1%
X Conto Plus, Yield gross annual rate included, Yield gross annual rate

1%
X Conto Easy, Free SEPA transfers included, Free SEPA transfers

5 per month
X Conto Plus, Free SEPA transfers included, Free SEPA transfers

30 per month
CBILL payments
CBILL payments
F24 payments
F24 payments
Account aggregation
Account aggregation
X Conto Easy, Access for multiple users included, Access for multiple users

0
X Conto Plus, Access for multiple users included, Access for multiple users

5

Request your account now, it takes a few clicks.

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What do you need?

The process is simple and straightforward: keep the things on this list close to you.

  • 01
    Tax Code

    from your national health card.

  • 02
    VAT number

    of your business.

  • 03
    SPID/CIE credentials & related ID document

    of the legal representative or person with signatory power.

  • 04
    Biographical data

    of each beneficial owner.

  • 05
    A 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 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 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.

Who invests in us?We are a financially robust bank, thanks in part to those who believe in our project

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