What Intesa Sanpaolo Actually Charges You
Italy's biggest bank charges up to €136.20 a year just for keeping your money in an XME Conto. Depositing your salary only buys you a €3 discount; the fee disappears only if you buy their premium products.
Last checked: June 11, 2026 • Official website
The fee schedule, decoded
| Fee | What they take | The fine print |
|---|---|---|
| Account maintenance | €8.50/month | The XME Conto base fee is €8.50 a month, €136.20 a year once stamp duty is added. Salary or pension credit cuts it by €3; it only drops to zero with Exclusive cards or wealth management products. |
| ATM withdrawals | €0 | Cash withdrawals are free at Group ATMs and at other banks' ATMs in the SEPA area under the current fee sheet. Withdrawals in foreign currency follow the card's conversion terms. |
| Transfers | €0 | SEPA transfers, including instant ones, are free both online and in branch. Transfers in foreign currency or outside SEPA cost €12 per outgoing order. |
| Cards | €0 to €5/month | The XME Debit Card has no monthly fee. The XME Credit Card costs €5 a month, €60 a year. |
| Overdraft | 19.90% | Going into the red without an arranged credit line costs 19.90% a year up to €1,500 and 19.7625% above that. The fast-track processing fee (CIV) is €0. |
| Other charges | €34.20/year | Government stamp duty charged through the account when your average balance exceeds €5,000. It is included in the €136.20 yearly total. |
Questions people actually ask
The base fee is €8.50 a month, €102 a year, plus €34.20 of stamp duty if your average balance exceeds €5,000. With a salary or pension credited you pay €5.50 a month.
Only if you hold Exclusive credit or debit cards, the Valore Insieme service, or an Eurizon managed portfolio linked to the account. A salary alone only earns a €3 monthly discount.
No. Under the current fee sheet, SEPA transfers including instant ones cost €0 whether you order them online or in branch. Foreign currency transfers cost €12.
Nothing within the SEPA area: the current XME Conto fee sheet lists €0 for withdrawals at Group ATMs and at other banks' machines.
Without an arranged credit line you pay 19.90% annual interest on amounts up to €1,500 and 19.7625% above that. The CIV processing fee is €0.
Sources
Every number above comes from the bank's own documents.
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