Best zero-fee current accounts 2026

Ranking updated July 2026 · 22 verified services

Ranked by editorial rating — placement is never for sale

Current accounts available in Italy with a €0 monthly fee, ranked by editorial rating. A zero fee is only the starting point: also check transfer costs, ATM withdrawals and the state stamp duty (€34.20/year, due above a €5,000 average balance).

The top pick is Revolut (rated 4.8/5), with real cashback up to 1%.Wise and N26 follow. Verified data, with a source for every entry.

  1. 1
    Revolut
    S Crypto-Friendly Banks
    4.8/5 Cashback up to 1% €0
  2. 2
    Wise
    A Crypto-Friendly Banks
    4.5/5 €0
  3. 3
    N26
    A Crypto-Friendly Banks
    4.2/5 €0
  4. 4
    BBVA Italia — Conto Corrente Online
    A Italian Bank Current Accounts
    4.0/5
  5. 5
    Fineco — Conto Fineco
    A Italian Bank Current Accounts
    4.0/5
  6. 6
    Trade Republic Card
    A Crypto-Friendly Banks
    4.0/5 €0
  7. 7
    ING — Conto Corrente Arancio
    B Italian Bank Current Accounts
    3.9/5
  8. 8
    Banca Ifis — Rendimax Conto Corrente
    B Italian Bank Current Accounts
    3.8/5
  9. 9
    buddybank — Conto Corrente Genius buddy
    B Italian Bank Current Accounts
    3.8/5
  10. 10
    Credem — Conto Credem Link
    B Italian Bank Current Accounts
    3.8/5
  11. 11
    HYPE
    B Italian Bank Current Accounts
    3.8/5
  12. 12
    IsyBank — Conto (isyLight)
    B Italian Bank Current Accounts
    3.8/5
  13. 13
    bunq
    B Crypto-Friendly Banks
    3.7/5
  14. 14
    Cherry Bank — Conto Corrente Online
    B Italian Bank Current Accounts
    3.7/5
  15. 15
    Tinaba
    B Italian Bank Current Accounts
    3.6/5
  16. 16
    Satispay
    B Crypto-Friendly Banks
    3.5/5
  17. 17
    BCC — Credito Cooperativo (Gruppo Iccrea)
    C Italian Bank Current Accounts
    3.4/5
  18. 18
    Klarna
    B Crypto-Friendly Banks
    3.4/5 Cashback up to 0.5% €0
  19. 19
    Vivid Money
    C Crypto-Friendly Banks
    3.4/5 Cashback up to 4%
  20. 20
    PayPal (Italia)
    C Crypto-Friendly Banks
    3.3/5 Cashback up to 0.5% €0
  21. 21
    Banca di Asti — Conto Semplice
    C Italian Bank Current Accounts
    3.2/5
  22. 22
    Monese
    C Crypto-Friendly Banks
    3.1/5 Cashback up to 0.5% €0
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Frequently asked questions

Are there truly zero-fee current accounts in Italy?

Yes: this list gathers accounts with a €0 monthly fee available in Italy. Only the state stamp duty of €34.20/year applies if your average balance exceeds €5,000; some accounts pay it for you if you are young.

Does zero fee mean everything is free?

No: the fee is only one item. Check SEPA transfer costs, ATM withdrawals at other banks and the physical card. A zero-fee account with paid transfers can cost more than one with a small fee and everything included.