Requirements and documents for a business account in Italy

Snapshot

To open a business account in Italy you usually need a partita IVA and a codice fiscale, and for a company the atto costitutivo, the statuto and the visura camerale, plus identity documents for directors and beneficial owners. Providers run anti money laundering checks and ask for proof of the business address and activity. The exact list varies by provider and business type.

Core documents: Partita IVA and codice fiscale, plus company founding documents and the visura camerale for companies.
Identity checks: Official identification for directors, signatories and beneficial owners, as of 1 April 2026.
Address and activity: Proof of the business address in Italy and the ATECO activity code. Verify with the provider.
Varies by: Provider and business type. Confirm the current list with the provider.

Fees and features as of 1 April 2026Last reviewed 1 April 2026

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

To open a business account in Italy you usually need a partita IVA and a 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 1 April 2026, providers run anti money laundering checks and ask for proof of the business address and activity. The exact list varies by provider and business type, so confirm the current requirements with the provider.

What providers ask for in Italy

The requirements fall into three groups: proof that the business exists and is registered, proof of who controls it, and proof of what it does and where it is based. A sole trader needs less than a company, and a neobank may verify online while a traditional bank may ask for a branch visit. The detail varies, so treat the list below as a guide and confirm with the provider.

Proof the business is registered

As of 1 April 2026, a company provides the atto costitutivo and the statuto, the founding deed and the bylaws, plus the visura camerale from the Registro Imprese and the partita IVA. A sole trader, a ditta individuale, or a self employed professional provides the partita IVA and the codice fiscale. Confirm the current document list with the provider.

Proof of who controls the business

As of 1 April 2026, providers verify the identity of directors, account signatories and beneficial owners, the titolare effettivo, with official identification and a codice fiscale. This supports the anti money laundering checks that every provider runs. Confirm what each provider needs for your structure.

Proof of activity and address

As of 1 April 2026, providers usually ask for the business address in Italy and details of the activity, including the ATECO code, and may ask for evidence such as contracts or a website. Confirm the current requirements with the provider.

Documents checklist

Prepare these items before you apply for a business account in Italy, as of 1 April 2026. Verify with the provider

Partita IVA and codice fiscale, and for a company the atto costitutivo, the statuto and the visura camerale.
Official identification and codice fiscale for directors, signatories and beneficial owners.
Proof of the business address in Italy and details of the activity, including the ATECO code.

How to prepare

Confirm your business type and gather the registration documents that match it.
Collect identity documents and the codice fiscale for everyone the provider needs to verify.
Ask the provider for its current document list, then apply once you have everything ready.

Compare business accounts available in Italy

These providers accept business customers in Italy. Fees and eligibility shown as of 1 April 2026. Confirm current terms with the provider before applying.

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Questions about requirements in Italy

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

You usually need a partita IVA and a 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 1 April 2026 the exact list varies by provider and business type. Confirm the current requirements with the provider. This is general information, not advice.

Do sole traders need fewer documents than companies?

Usually yes. As of 1 April 2026, a sole trader or self employed professional typically provides the partita IVA, the codice fiscale and personal identification, while a company also provides the atto costitutivo, the statuto and the visura camerale. Confirm what each provider needs for your structure.

What is the visura camerale and do I need it?

The visura camerale is the extract from the Registro Imprese at the Camera di Commercio that proves a company is registered. As of 1 April 2026, providers commonly ask companies for a recent visura camerale when opening an account. A sole trader may not need one. Confirm with the provider.

Who counts as a beneficial owner for the checks?

The beneficial owner, the titolare effettivo, is the natural person who ultimately owns or controls the business. As of 1 April 2026, providers verify these people as part of anti money laundering checks. The exact threshold and evidence depend on the provider, so confirm what applies to your structure.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 1 April 2026. Confirm current terms with the provider before applying.

Requirements and documents in Italy