Business banking fees in Italy: what accounts cost and how to compare

Snapshot

Business account fees in Italy range from low monthly plans with some neobanks to higher monthly package fees at traditional banks, as of 11 May 2026. Transaction, card and cash handling fees are charged separately, and the stamp duty, the imposta di bollo, applies on statements. Figures vary by provider and plan.

Cheapest monthly fee: Neobanks publish the lowest headline fees. Qonto advertises a Basic plan from EUR 9 a month as of 11 May 2026.
Typical traditional bank: A monthly package fee plus the imposta di bollo on statements. Confirm the current figure with the bank.
Watch out for: Per transaction charges, cash handling, currency conversion and the stamp duty.
Providers compared: 10 or more business accounts

Fees and features as of 11 May 2026Last reviewed 11 May 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

Most business accounts in Italy charge a monthly fee, with separate charges for transfers, cards, cash handling and currency conversion, plus the stamp duty known as the imposta di bollo on account statements. Neobanks such as Qonto, Wise Business, Revolut Business, N26 and Finom publish low headline fees for smaller users, while traditional banks bundle services into a package price. The reliable way to compare is to read each provider fee schedule, the foglio informativo, as of the date you apply. Figures below are shown as of 11 May 2026.

What business accounts cost in Italy

An Italian business account fee usually has several parts: a monthly account or package fee, per transaction fees for transfers and direct debits, card fees, cash deposit and withdrawal fees, currency conversion costs on foreign payments, and the imposta di bollo on statements. Traditional banks tend to bundle a set number of transactions into the monthly fee, then charge for extras. Neobanks tend to advertise a low headline fee and charge for items such as cash handling or transfers beyond a monthly allowance. Comparing only the headline fee can mislead, so add the items your business actually uses.

Monthly account fees

Neobanks publish lower headline fees, with Qonto advertising a Basic plan from EUR 9 a month as of 11 May 2026 and higher tiers for larger teams. Traditional banks such as Intesa Sanpaolo, UniCredit, BPER Banca and Banco BPM bundle services into a monthly package fee that varies by account and usage. Because pricing changes and depends on your profile, read the current foglio informativo and confirm figures with the provider.

Transaction, card, cash and stamp duty

Beyond the monthly fee, watch the per item charges. SEPA transfers and direct debits may be included up to an allowance, then priced per item. A business debit card may be included or charged separately, and extra cards usually cost more. Cash deposits and withdrawals often carry a fee at traditional banks and may be unavailable at neobanks. Foreign currency payments add a conversion cost, which multi currency providers such as Wise Business price close to the mid market rate. Italy also applies the imposta di bollo on account statements, so check whether your provider includes or passes on this stamp duty.

Fees to check before you open

Look at these fee items before you commit, because the cheapest headline price is not always the cheapest overall. Verify with the provider

Monthly account or package fee, and what it includes. Qonto advertises a Basic plan from EUR 9 a month as of 11 May 2026, while traditional bank packages vary by account and usage.
Transfer, direct debit and card fees, plus any allowance of free transactions before charges begin. Neobank plans differ widely in what counts as free, as of 11 May 2026.
Cash deposit and withdrawal fees, currency conversion costs, and the imposta di bollo on statements. Neobanks often limit free ATM withdrawals and may decline cash deposits, while multi currency providers such as Wise Business price foreign exchange separately. Verify current figures with the provider.

How to compare fees

List the transactions your business makes in a typical month: transfers, card payments, cash, and any foreign currency. This is the basis for a fair comparison.
Read each provider foglio informativo and total the monthly fee plus the per item charges for your usage, including the imposta di bollo.
Check the cost of the items you use most, such as foreign payments or cash handling, since these often outweigh the headline monthly fee. Confirm the current schedule with the provider before opening.

Compare business accounts available in Italy

These providers accept business customers in Italy. Fees and eligibility shown as of 11 May 2026. Confirm current terms with the provider before applying.

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Questions about business banking fees in Italy

What is the cheapest business account in Italy?

Neobanks tend to publish the lowest headline fees for sole traders and freelancers. As an example, Qonto advertises a Basic plan from EUR 9 a month as of 11 May 2026. The cheapest option overall depends on your transaction mix, since transfer, card, cash and currency fees add to the monthly price. Compare the full fee schedule with the provider before applying. This is general information, not advice.

What is the imposta di bollo on an Italian business account?

Italy applies a stamp duty, the imposta di bollo, on bank account statements. For company and business accounts a fixed annual amount applies under current rules, charged on the statements during the year. Some neobanks include or absorb it in their plan while others pass it on. Confirm how each provider handles the imposta di bollo, since treatment varies.

Are there hidden fees on Italian business accounts?

Fees are published in each provider fee schedule, the foglio informativo, but the headline monthly fee rarely tells the whole story. Watch for per transaction charges, cash handling fees, the imposta di bollo, limits on free ATM withdrawals and currency conversion costs. Add the items you use to compare fairly. Verify current figures with the provider.

Do neobank business accounts charge for transfers in Italy?

It varies by provider and plan. Some plans include a monthly allowance of free SEPA transfers and charge beyond it, while others charge per transfer or per extra card. Foreign currency payments are usually priced separately. Check the current plan details with the provider, since pricing changes.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 11 May 2026. Confirm current terms with the provider before applying.