Crédit Agricole Italia — Conto Online
Crédit Agricole Italia S.p.A. · Visa (+ BANCOMAT)
Crédit Agricole Italia's Conto Online is the remote current account of one of Italy's top retail banking players, part of the ECB-supervised French Crédit Agricole group. The fee is €2/month (plus €34.20 stamp duty), waivable with the under-35 discount and with salary or pension crediting. Visa debit card free for 24 months, free withdrawals at the group's ATMs in Italy and France, €0 online SEPA transfers and FITD €100,000 deposit guarantee. Reserved to new customers.
Data & conditions
| Account fee | €2 |
|---|---|
| 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 | Free |
| Card included | Carta International Debit Visa gratis 24 mesi (poi €24/anno); carta nazionale BANCOMAT sempre gratis |
| Interest on balance | 0% |
| Network | Visa (+ BANCOMAT) |
| ATM withdrawal | Free |
| Free ATM limit | Crédit Agricole group ATMs in Italy and France €0; other banks in Italy €2.10; outside euro area €3.10 + conversion |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA · 1+ countries |
| Regulator | Banca d'Italia · BCE (MVU) |
| Segment | B2C |
| Funding / solidity | Remote account of Crédit Agricole Italia · Crédit Agricole group (direct ECB supervision) · >2M customers in Italy |
| MiCA / License status | Licenza bancaria (Albo Banche n. 5435) IT banking licence (Bank of Italy · ECB-SSM) |
Plans & pricing
Conto Online
- Price
- €2
- Fee €2/month · promo €0 fee for accounts opened by 30/07/2026
- Visa debit card free for 24 months (then €24/year) + national BANCOMAT free
- Online SEPA transfers €0 · Crédit Agricole group ATMs in Italy and France €0
- Other-bank ATMs in Italy €2.10 · +stamp duty €34.20/year
Canone azzerato (under 35 + stipendio)
- Price
- Free
- −€2/month discount with at least one under-35 holder
- −€2/month discount with salary or pension crediting
- With both the fee is waived (stamp duty €34.20/year still applies)
Strengths
- €2/month fee easily waived (−€2 under 35 and −€2 with salary/pension crediting)
- Visa debit card free for 24 months + national BANCOMAT card always free
- Free ATM withdrawals across the Crédit Agricole group network in Italy and France; €0 online SEPA transfers
- Large banking group with a branch network, supervised by the Bank of Italy and the ECB, FITD €100,000 deposit guarantee
- No notable sovereignty advantage documented.
Weaknesses
- ATM withdrawals at other banks in Italy are chargeable (€2.10), no free withdrawals included
- After 24 months the Visa card costs €24/year; fees on withdrawals/POS outside the euro area (€3.10 + conversion / 1.75%)
- Reserved to new customers (those with a CA account now or in the last 3 months are excluded); 0% 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 · ECB-SSM)): 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
Crédit Agricole Italia's Conto Online is well positioned on the protection front: a bank supervised by the Bank of Italy, part of a significant European group under direct ECB supervision, FITD €100,000 deposit guarantee, €0 online SEPA transfers and a Visa card free for 24 months. The €2/month fee is easily waived for under-35s or with salary crediting. The blemishes are other-bank withdrawals at €2.10, the Visa card cost after 24 months (€24/year) and the new-customers-only restriction. Non-interest-bearing, single-currency account.
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.
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 is the Conto Online fee waived?
The base fee is €2/month. You get cumulative discounts of −€2/month with at least one under-35 holder and −€2/month with salary or pension crediting: with both, the fee is waived. The €34.20/year stamp duty still applies (unless average balance ≤ €5,000).
Are deposits guaranteed?
Yes, by the Interbank Deposit Protection Fund (FITD) up to €100,000 per depositor; the bank is also a member of the National Guarantee Fund.
Sources
- Official service page Canone · Bonifici Data verified on Jul 12, 2026
Update history
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€50 Amazon voucher welcome + zero fee
Zero-fee account. €50 welcome by opening online, ordering the Visa card, entering promo code VISA and making a payment within 30 days. Up to €200 with salary deposit and card use; with referral (up to 8 friends) up to €600 total in Amazon.it vouchers. New clients only.