Online accounts and neobanks are widely used by businesses in Italy. As of 17 April 2026, Qonto, Finom and N26 Business offer an Italian IBAN and onboard online, Revolut Business and Wise Business add multi currency for firms that trade abroad, and traditional banks such as Intesa Sanpaolo and UniCredit remain useful where branch support or lending matters.
- Italian IBAN online
- Yes, with Qonto, Finom and N26 Business, as of 17 April 2026.
- Free plan available
- Yes, including the Finom Solo plan and the N26 Business Standard account for self employed individuals. Verify with the provider.
- Deposit protection
- Differs. Some providers are electronic money institutions, not banks. Check how funds are protected with the provider.
- Providers that fit
- Several online providers accept business customers in Italy.
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
How online accounts and neobanks work in Italy
An online business account is opened and run through an app or website, often with an Italian IBAN for local payments and cards for the team. Many providers are not banks in the full sense but authorised electronic money or payment institutions, so deposit protection arrangements differ from a traditional bank. The appeal is fast onboarding, lower monthly cost and tidy accounting exports. The trade off is limited cash handling and, with some providers, support that is mainly in app.
Providers with an Italian IBAN
As of 17 April 2026, Qonto offers an Italian IBAN with invoicing, team cards and accounting exports on paid plans, Finom offers an Italian IBAN with a free Solo plan for individuals and paid plans above it, and N26 Business offers a free Italian IBAN account for self employed individuals with a VAT number. Confirm the current plan and any conditions with each provider.
Cross border and traditional options
As of 17 April 2026, Revolut Business and Wise Business suit firms that hold several currencies and pay or receive abroad, though the IBAN may be registered outside Italy. Traditional banks such as Intesa Sanpaolo and UniCredit suit businesses that want branch access, cash handling or lending. Compare the features you use and the deposit protection that applies, and verify with the provider.
What to check before choosing a neobank
When you compare online accounts and neobanks in Italy, check these points, as of 17 April 2026. Verify with the provider
- Whether the IBAN is Italian and whether the provider is a bank or an electronic money institution, since deposit protection differs.
- The monthly fee, the included transfers and cards, and the cost of cash handling if you need it.
- The accounting exports and any invoicing tools, and whether they fit the Italian electronic invoicing system.
How to choose an online account
- List the features you use most, such as an Italian IBAN, team cards, multi currency or cash handling.
- Compare the monthly fee and the protection that applies, since an electronic money institution is not the same as a bank.
- Confirm the current plan, IBAN country and fees with the provider before you apply.
Compare business accounts available in Italy
These providers accept business customers in Italy and include online options. Fees and eligibility shown as of 17 April 2026. Confirm current terms with the provider before applying.
Compare business accounts →Questions about online accounts and neobanks in Italy
Which neobanks serve businesses in Italy?
Do online business accounts in Italy have an Italian IBAN?
Are neobank deposits protected like a bank in Italy?
Is there a free online business account in Italy?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 17 April 2026. Confirm current terms with the provider before applying.