Webank — Conto Webank Listino (fuori promo)
A plan byWebank — Conto Webank · Visa/Mastercard (+ BANCOMAT)
Conto Webank is the current account of Banco BPM group's online bank, available only from webank.it. For new customers opening by 23/9/2026 the fee is zero; the list price is €2/month (€24/year) plus stamp duty. Free SEPA and instant transfers via internet banking, Numia debit card (international Visa/Mastercard circuit + Bancomat) at €0, free withdrawals at Banco BPM ATMs and 2 free monthly withdrawals at other banks. Also on promo: 2% gross until 31/12/2026 on balances of €3,000–100,000 in months with salary/pension crediting ≥€500.
Listino (fuori promo)
- Price
- €2
What's included
- €24/year fee, unlimited included operations
- SEPA/instant transfers via internet banking €0
- Numia debit card (Visa/Mastercard + Bancomat) €0
- Banco BPM ATMs €0, other banks 2 free/month then €2 · +€34.20 stamp duty/year where due
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 Numia Debito Internazionale (Visa/Mastercard + Bancomat) inclusa, canone €0 |
| Interest on balance | 0% |
| Network | Visa/Mastercard (+ BANCOMAT) |
| ATM withdrawal | Free |
| Free ATM limit | Banco BPM ATM withdrawals in Italy €0; other banks first 2 per month free, then €2 |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA · 1+ countries |
| Regulator | Banca d'Italia |
| Segment | B2C |
| Funding / solidity | Online bank of the Banco BPM group (Italy's third-largest banking group) · digital channels only |
| MiCA / License status | Licenza bancaria Banco BPM (Albo Banche n. 8065) IT banking licence (Bank of Italy) |
Strengths
- Zero fee for new customers opening by 23/9/2026 (list price is only €2/month anyway)
- SEPA and instant transfers via internet banking at €0, standing orders and SDD direct debits at €0
- International Numia debit card (Visa/Mastercard + Bancomat) included at €0
- Free Banco BPM ATM withdrawals + 2 free monthly withdrawals at other banks; FITD €100,000 guarantee via Banco BPM
- No notable sovereignty advantage documented.
Weaknesses
- Outside the promo the list fee is €2/month (€24/year), plus €34.20 stamp duty where due
- Withdrawals at other banks cost €2 beyond the first 2 per month; no own branch network (digital channels only)
- The 2% on balances is a time-limited promo (31/12/2026) conditional on crediting ≥€500/month; base rate 0%
- 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 Webank is among the cheapest traditional-bank accounts: zero fee on promo for those opening by 23/9/2026 and only €2/month at list price anyway, online transfers and SDD at €0, free Numia card, free Banco BPM ATMs and 2 monthly withdrawals at other banks included. Behind it is Banco BPM, Italy's third-largest banking group, with FITD €100,000 guarantee. The limits: digital-only operations, extra withdrawals at €2, and the 2% on balances is a conditional, time-limited promo. Figures from the fact sheet updated 25/06/2026.
Supervised bank account: custodial, full KYC, censorable and freezable by court order or AML obligation. The FITD deposit guarantee and the supervision of Banco BPM — 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 does Conto Webank cost?
For new customers (no Webank/Banco BPM relationship in the last 6 months) opening by 23/9/2026 the fee is zero. The list fee is €24/year (€2/month), plus €34.20 stamp duty where due (fact sheet updated 25/06/2026).
Are transfers and withdrawals free?
Ordinary and instant SEPA transfers via internet banking are €0 (paper €3, phone banking €0.50–0.75). Withdrawals at Banco BPM ATMs in Italy are free; at other banks the first 2 per month are free, then €2.
Are deposits guaranteed?
Yes: Webank is a brand of Banco BPM S.p.A., a member of the Interbank Deposit Protection Fund (FITD). Deposits are guaranteed up to €100,000 per depositor.
Sources
- Official service page Carta · Bonifici · Prelievi Data verified on Jul 12, 2026