Banco Desio — Conto D.Evolution Millennial (26-40 anni)
A plan byBanco Desio — Conto D.Evolution · Visa/Mastercard (Nexi Debit)
Conto D.Evolution is the current account of Banco di Desio e della Brianza reserved for customers aged 18-40, with conditions that change automatically at 26 and 41. Up to age 26 the monthly fee is €0 (only the €34.20/year stamp duty applies); from 26 to 40 the fee is €3/month; from 41 it becomes €7/month. The Nexi Debit card (Visa/Mastercard) is included at no fee. Unlimited operations, but online SEPA transfers cost €1.13 each and only 1 ATM withdrawal per year is free outside the Banco Desio network. Bank supervised by the Bank of Italy with FITD deposit guarantee up to €100,000.
Millennial (26-40 anni)
- Price
- €3
What's included
- €3/month fee (€70.20/year with stamp duty)
- Included Nexi Debit card · discounted credit card terms
- Unlimited operations
- Online SEPA transfer €1.13 · SDD €0
Data & conditions
| Account fee | €3 |
|---|---|
| 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 |
| SEPA transfer | €1 |
| Card included | Carta Nexi Debit Consumer (circuito Visa/Mastercard) inclusa, canone €0 |
| Interest on balance | 0.001% |
| Network | Visa/Mastercard (Nexi Debit) |
| ATM withdrawal | Free |
| Free ATM limit | ATM withdrawals at Banco Desio €0; at other banks €1.00 per withdrawal. Only 1 free withdrawal per year (cumulative Italy/euro area) |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA · 1+ countries |
| Regulator | Banca d'Italia |
| Segment | B2C |
| Funding / solidity | Lombardy-based commercial bank rooted in Brianza, listed (BDB) · branch network in Lombardy and central Italy |
| MiCA / License status | Licenza bancaria (Banca d'Italia · Albo delle Banche) IT banking licence (Bank of Italy) |
Strengths
- €0 fee up to age 26 (only €34.20/year stamp duty) and €3/month for the 26-40 band
- Nexi Debit card (Visa/Mastercard) included at €0 fee
- Unlimited operations and SDD direct debits (utilities and commercial payments) at €0
- Bank supervised by the Bank of Italy with FITD deposit guarantee up to €100,000
- No notable sovereignty advantage documented.
Weaknesses
- SEPA transfers not free: €1.13 online and €3.80 at the branch per operation
- Only 1 free ATM withdrawal per year; €1.00 per withdrawal at other banks' ATMs
- Reserved for ages 18-40: from 41 the fee rises to €7/month; effectively non-interest-bearing account (0.001% credit rate)
- 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
Conto D.Evolution earns a middling score: a bank supervised by the Bank of Italy, FITD €100,000 guarantee, an included Nexi Debit card (Visa/Mastercard) and a fee waived up to age 26 (€3/month for Millennials 26-40). Holding the score back are transactional costs: SEPA transfers are not free (€1.13 online, €3.80 at the branch), only 1 ATM withdrawal per year is free outside the network and the account is effectively non-interest-bearing (0.001% credit rate). Designed for young customers: from 41 the fee rises to €7/month.
Supervised bank account: custodial, full KYC, censorable and freezable by court order or AML obligation. The FITD 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 the Conto D.Evolution fee?
The monthly fee is €0 up to age 26 (only the €34.20/year stamp duty applies), €3/month from 26 to 40 and €7/month from 41. The account can only be opened by people aged 18 to 40.
Are the debit card and transfers free?
The Nexi Debit card (Visa/Mastercard) is included at €0 fee. SEPA transfers, however, are not free: they cost €1.13 online and €3.80 at the branch per operation. SDD direct debits are €0.
Are deposits guaranteed?
Yes, by the Interbank Deposit Protection Fund (FITD) up to €100,000 per depositor. Banco Desio is a bank supervised by the Bank of Italy.
Sources
- Official service page Bonifici · Prelievi · Bollo Data verified on Jul 12, 2026