How to open a business account in Italy

Snapshot

To open a business account in Italy you usually register the business, obtain a partita IVA from the Agenzia delle Entrate, enrol a company in the Registro Imprese at the Camera di Commercio, then verify the identity of directors and beneficial owners. Neobanks can onboard online with an Italian IBAN, while traditional banks can take longer.

Suits opening best: Depends on needs. Qonto, Finom and N26 Business onboard online, while Intesa Sanpaolo and UniCredit suit those who want branch support.
Typical timeline: Often a day or two online with a neobank, longer with a traditional bank, as of 8 April 2026.
Non resident position: Possible with full checks. Most providers need an Italian partita IVA or registration. Unclear cases, verify with the provider.
Providers that fit: Several. At least five providers accept business customers in Italy.

Fees and features as of 8 April 2026Last reviewed 8 April 2026

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

Opening a business account in Italy generally means registering your business and obtaining a partita IVA, the VAT number, from the Agenzia delle Entrate, enrolling a company in the Registro Imprese at the Camera di Commercio, then verifying the identity of directors and beneficial owners. As of 8 April 2026, neobanks such as Qonto, Finom and N26 Business can onboard online with an Italian IBAN, while traditional banks such as Intesa Sanpaolo and UniCredit may take longer. Confirm current requirements with the provider.

The steps to open a business account in Italy

The process follows a familiar order. Register the business and obtain its partita IVA, enrol a company in the Registro Imprese, choose an account that fits how you trade, prepare the documents, then complete identity verification. The detail and the timeline vary between neobanks and traditional banks, so confirm the current process with the provider you choose.

Register the business and obtain a partita IVA

A sole trader, known as a ditta individuale, or a self employed professional registers a partita IVA with the Agenzia delle Entrate. A company such as an SRL also registers a partita IVA and enrols in the Registro Imprese at the Camera di Commercio, which produces the visura camerale that proves registration. As of 8 April 2026, a partita IVA is commonly required to open a business account, so set this up first. Verify the requirement with the provider.

Prepare the company documents

For a company, gather the atto costitutivo and the statuto, the founding deed and the bylaws, the visura camerale, the partita IVA and the codice fiscale, and identity for directors and beneficial owners, known as the titolare effettivo. A sole trader needs the partita IVA, the codice fiscale and personal identification. As of 8 April 2026, confirm the current document list with the provider.

Complete identity verification

Providers run anti money laundering checks on the business and the people behind it. As of 8 April 2026, neobanks such as Qonto, Finom and N26 Business usually verify online, often within a day or two, while a traditional bank may ask for more steps or a branch visit. Confirm the current process with the provider.

What you usually need to apply

Before you apply for a business account in Italy, prepare these items, as of 8 April 2026. Verify with the provider

Your partita IVA and codice fiscale, and for a company the atto costitutivo, the statuto and the visura camerale.
Identity documents for directors, beneficial owners and account signatories.
Proof of the business address in Italy and details of the business activity, including the ATECO code.

How to open the account

Register the business and obtain the partita IVA, and for a company enrol in the Registro Imprese and obtain the visura camerale before you apply.
Choose an account that matches your transactions and currencies, then prepare the company and personal documents.
Complete the application and identity checks, then confirm the current requirements and timeline with the provider.

Compare business accounts available in Italy

These providers accept business customers in Italy. Fees and eligibility shown as of 8 April 2026. Confirm current terms with the provider before applying.

Compare business accounts →

Questions about opening a business account in Italy

What do I need to open a business account in Italy?

You usually need a partita IVA and codice fiscale, and for a company the atto costitutivo, the statuto, and the visura camerale, plus identity documents for directors and beneficial owners. As of 8 April 2026 the exact list varies by provider. Confirm the current requirements with the provider before you apply.

How long does it take to open a business account in Italy?

Often a day or two with a neobank that onboards online once your documents are ready, and longer with a traditional bank that may ask for a branch visit. As of 8 April 2026 timelines vary by provider and business type. Confirm with the provider.

Do I need a partita IVA before applying?

In most cases yes. A partita IVA, the VAT number issued by the Agenzia delle Entrate, is commonly required to open a business account in Italy, and a company also enrols in the Registro Imprese. As of 8 April 2026, confirm what each provider needs before applying.

Can I open a business account online in Italy?

Yes. As of 8 April 2026, neobanks such as Qonto, Finom and N26 Business onboard online with an Italian IBAN, and cross border providers such as Wise Business and Revolut Business also apply online. Confirm the current process with the provider.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 8 April 2026. Confirm current terms with the provider before applying.