Banca di Asti — Conto Semplice Conto Semplice Consumatori (a consumo)
A plan byBanca di Asti — Conto Semplice · Visa/Mastercard
Conto Semplice Consumatori is the pay-per-use account of Banca di Asti (Cassa di Risparmio di Asti), a Piedmontese bank headquartered in Asti that absorbed Biverbanca. It has no fixed fee (€0) but is designed for very low activity: no operations are included and every transaction incurs a €1.60 registration cost. State stamp duty still applies (€34.20/year above €5,000 balance) and periodic liquidation charges are set out in the Information Sheet (€140/year). Withdrawals at CR Asti Group ATMs are free; the Giramondo Pay (Visa/Mastercard) debit card costs €40/year. For normal activity the bank offers fixed-fee (Dediconto), decreasing-fee (Innovando) or youth accounts (Conto Semplice Young 18-30).
Conto Semplice Consumatori (a consumo)
- Price
- Free
What's included
- €0 base fee · ZERO operations included · €1.60 registration per operation
- Stamp duty €34.20/year · liquidation charges €140/year (per Information Sheet)
- Giramondo Pay (Visa/Mastercard) debit card €40/year
- CR Asti Group ATM withdrawal €0 · other withdrawals/transfers pay-per-use (FI0001)
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato · IT · IT |
| Deposit guarantee | EU guarantee €100,000 |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | Yes |
| SEPA direct debit (SDD) | Yes |
| On-chain crypto withdrawal | No |
| Card included | Carta di debito Giramondo Pay (Visa/Mastercard) a €40/anno (€20 emissione + €20 canone servizio), non inclusa nel canone |
| Interest on balance | 0% |
| Network | Visa/Mastercard |
| ATM withdrawal | Free |
| Free ATM limit | Withdrawals at Cassa di Risparmio di Asti Group ATMs €0 (international circuit); at other banks pay-per-use + €1.60 registration |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA · 1+ countries |
| Regulator | Banca d'Italia |
| Segment | B2C |
| Funding / solidity | Piedmontese bank headquartered in Asti · group that absorbed Biverbanca · controlled by the Fondazione CR Asti · not listed on a regulated market |
| MiCA / License status | Licenza bancaria (iscritta all'Albo delle Banche di Banca d'Italia) IT banking licence (Bank of Italy) |
Strengths
- No fixed fee (€0): suited to those who keep the account almost idle
- Free withdrawals at Cassa di Risparmio di Asti Group ATMs
- Bank supervised by the Bank of Italy with FITD deposit guarantee up to €100,000
- Alternative fixed- or decreasing-fee range (Dediconto, Innovando) and a youth line for heavier users
- No notable sovereignty advantage documented.
Weaknesses
- Pay-per-use account: zero operations included and a €1.60 registration cost per transaction
- Fixed costs still apply: €34.20/year stamp duty and €140/year liquidation charges per the Information Sheet
- Giramondo Pay debit card is not free (€40/year: €20 issuance + €20 service fee)
- Structure not very transparent for the average user: convenient only with very low activity; network concentrated in Piedmont, not nationwide
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (IT banking licence (Bank of Italy)): reporting to authorities and freezes on order.
- FATF-aligned jurisdiction: strong cooperation with authorities.
- Closed source: no way to verify what it does with wallet and data.
Verdict
On soundness Banca di Asti is reliable: a bank supervised by the Bank of Italy, a member of the Interbank Deposit Protection Fund (FITD) up to €100,000, with free withdrawals at its own Group ATMs. The score is penalised, however, by the structure of Conto Semplice, a pay-per-use account that is not very transparent for the average user: €0 base fee but zero operations included, €1.60 registration per transaction, €34.20 stamp duty and €140/year liquidation charges, plus the Giramondo Pay debit card at €40/year. It is worthwhile only with very low activity; for normal use the bank's fixed- or decreasing-fee accounts are more suitable. Network concentrated in Piedmont: a regional bank, not nationwide.
Supervised bank account: custodial, full KYC, censorable and freezable by court order or AML obligation. The FITD deposit guarantee and Bank of Italy supervision — strengths for protection — are exactly what distance it from the trustless model. No self-custody, no permissionless use: on the sovereignty lens it sits at the opposite pole from a self-custody wallet.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
How much is Banca di Asti's Conto Semplice?
It has no fixed fee (€0), but it is a pay-per-use account: no operations are included and every transaction costs €1.60 in registration. State stamp duty of €34.20/year (above €5,000 balance) and periodic liquidation charges of €140/year per the Information Sheet still apply. The Giramondo Pay debit card costs €40/year.
Who is this account for?
Only for those who use the account very little. For normal activity Banca di Asti offers fixed-fee accounts (Dediconto), decreasing-fee-by-tenure accounts (Innovando) or youth accounts (Conto Semplice Young 18-30): check their fees on the Information Sheets.
Are deposits guaranteed?
Yes, by the Interbank Deposit Protection Fund (FITD) up to €100,000 per depositor. Banca di Asti is a bank supervised by the Bank of Italy.
Sources
- Official service page Innovando Data verified on Jul 12, 2026