Free business accounts in Italy

What free means for a business account in Italy

A free business account in Italy almost always means no monthly subscription fee, not a complete absence of charges. Providers cover their costs through other items: transfers beyond a monthly allowance, cash deposits and withdrawals, extra physical or virtual cards, and currency conversion on foreign payments. Italy also applies the imposta di bollo, a stamp duty on account statements, which some providers include while others pass on. So a plan with a zero headline price can still cost money in a given month, depending on how you use it. Reading the provider fee schedule, the foglio informativo, shows what the free plan really includes.

Which providers offer a free plan

As of 10 April 2026, the Revolut Business Basic plan has no monthly fee and is open to companies and the self employed. The N26 Business Standard account is free and aimed at self employed individuals with a partita IVA, with a free virtual card and a small number of free Eurozone withdrawals each month. The Finom Solo plan is free for sole traders and includes an Italian IBAN, invoicing and card cashback. Wise Business has no monthly fee and charges per use, which suits businesses that mainly need multi currency payments. Qonto does not offer a free plan, with its Basic plan starting from about EUR 9 a month. Plans and inclusions change, so confirm the current terms with each provider.

What still costs money on a free plan

On a free plan, watch the items that carry a charge. SEPA transfers may be included up to an allowance, then priced per transfer. Cash deposits and withdrawals are often limited or charged, and may be unavailable at some neobanks. Extra cards usually cost more than the first. Foreign currency payments add a conversion cost, which multi currency providers such as Wise Business price close to the mid market rate. The imposta di bollo applies on statements regardless of the plan. Add the items you use to see the real monthly cost.

What to check before you pick a free account

Compare the free plans on the items your business uses most, because the cheapest headline price is not always the cheapest overall. Verify with the provider

• Whether the free plan accepts your entity, since the N26 free Business account is for self employed individuals while Revolut Business and Wise Business also serve companies, as of 10 April 2026.
• The transfer allowance and the cost of transfers, cards and cash beyond it, since free plans differ widely in what counts as included.
• Currency conversion costs and the imposta di bollo on statements, since these can outweigh a zero monthly fee for businesses that pay abroad. Verify current figures with the provider.

How to compare free accounts

1. 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.
2. Check each free plan accepts your entity type, then read the foglio informativo for the per item charges that apply beyond the zero monthly fee.
3. Total the items you use most, including the imposta di bollo, and compare the real monthly cost rather than the headline. Confirm the current schedule with the provider before opening.