BBVA Italia — Conto Corrente Online vs Banca Ifis — Rendimax Conto Corrente
The choice depends on your real spending profile: redo the math with your volumes before picking between BBVA Italia — Conto Corrente Online and Banca Ifis — Rendimax Conto Corrente.
| BBVA Italia — Conto Corrente Online | Banca Ifis — Rendimax Conto Corrente | |
|---|---|---|
| Tier | A | B |
| Rating | ★ 4.0 | ★ 3.8 |
| Account fee | Free | Free |
| IBAN | dedicato · IT · IT | dedicato · IT · IT |
| Deposit guarantee | EU guarantee €100,000 | EU guarantee €100,000 |
| Multi-currency | No (single currency) | No (single currency) |
| Outbound transfers to third-party IBANs | Yes | Yes |
| Utility direct billing | Yes | Yes |
| SEPA direct debit (SDD) | Yes | Yes |
| On-chain crypto withdrawal | No | No |
| SEPA transfer | Free | Free |
| Card included | Carta di Debito BBVA (Mastercard) gratuita per sempre | Carta di debito Rendimax (Mastercard) inclusa, canone €0 |
| Network | Mastercard | Mastercard |
| ATM withdrawal | Free | Free |
| Free ATM limit | Withdrawals €0 in Italy and the euro area for amounts of €100 or more; €2 below €100; €1,000/day limit | First 5 withdrawals of the month free (Italy and EU), from the 6th €2; no own branches, Mastercard card on other banks' ATMs |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | EEA · 1+ countries | EEA · 1+ countries |
| Regulator | Banco de España · BCE (MVU) | Banca d'Italia |
| Segment | B2C | B2C |
| Interest on balance | — | 0.2% |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Licenza bancaria spagnola (Banco de España · BCE-MVU); opera in Italia come succursale UE | Licenza bancaria (Albo Banche n. 5508 · ABI 03205) |
Frequently asked questions
BBVA Italia — Conto Corrente Online vs Banca Ifis — Rendimax Conto Corrente: which is better?
The choice depends on your real spending profile: redo the math with your volumes before picking between BBVA Italia — Conto Corrente Online and Banca Ifis — Rendimax Conto Corrente.
Is BBVA Italia — Conto Corrente Online custodial or self-custody?
BBVA Italia — Conto Corrente Online is custodial: funds are held by the platform, while Banca Ifis — Rendimax Conto Corrente is custodial.