Prexta — Cessione del Quinto vs Banca Sistema (QuiPension) — Cessione del Quinto
In short: Prexta — Cessione del Quinto if your usage matches its strength, Banca Sistema (QuiPension) — Cessione del Quinto otherwise — the numbers above beat any slogan.
| Prexta — Cessione del Quinto | Banca Sistema (QuiPension) — Cessione del Quinto | |
|---|---|---|
| Tier | C | C |
| Rating | ★ 3.3 | ★ 3.2 |
| Representative-example APR | 6.8% (€32,000 · 120 months) | 6.32% (€20,000 · 120 months) |
| Min advertised nominal rate | 6.16% | 5.21% |
| Usury threshold | 15.963% (Cessione del quinto oltre 15.000€, 3° trim. 2026) — APR sits at 43% | 15.963% (Cessione del quinto oltre 15.000€, 3° trim. 2026) — APR sits at 40% |
| Loan amount | — – €75,000 | — – €75,000 |
| Term | 24–120 months | 24–120 months |
| Lender | Financial intermediary (art. 106 TUB) | Bank (direct lender) |
| Eligible borrowers | Public/State employees, Private employees, Pensioners | Pensioners, Public/State employees, Private employees |
| Mandatory insurance | Yes | Yes |
| Insurance included in APR | Yes | Yes |
| Reported to credit bureaus (CRIF) | Yes | Yes |
| KYC | Full | Full |
| Supported countries | EEA · 1+ countries | EEA · 1+ countries |
| Regulator | Banca d'Italia | Banca d'Italia |
| Segment | B2C | B2C |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Intermediario finanziario ex art. 106 TUB (Albo Unico n. 117) | Banca (Albo delle Banche, Banca d'Italia) |
Frequently asked questions
Prexta — Cessione del Quinto vs Banca Sistema (QuiPension) — Cessione del Quinto: which is better?
In short: Prexta — Cessione del Quinto if your usage matches its strength, Banca Sistema (QuiPension) — Cessione del Quinto otherwise — the numbers above beat any slogan.
Is Prexta — Cessione del Quinto custodial or self-custody?
Prexta — Cessione del Quinto is custodial: funds are held by the platform, while Banca Sistema (QuiPension) — Cessione del Quinto is custodial.