What Intesa Sanpaolo Actually Charges You
Italy's biggest bank now sells XME Conto in plans: Silver starts at €5.90 a month before the €34.20 stamp duty, Gold jumps to €10.90 and Platinum to €20.90. The cheap-looking plan still charges at the edges: other-bank ATMs, transfers and branch help all have a meter.
Last checked: June 11, 2026 • Official website
The fee schedule, decoded
| Fee | What they take | The fine print |
|---|---|---|
| Account maintenance | €5.90/month | XME Conto Silver, the current entry plan, costs €5.90 a month (€70.80/year) before stamp duty. Salary or pension credit cuts Silver to €2.90. Gold costs €10.90/month and Platinum €20.90/month. |
| ATM withdrawals | €0 group / €2 other banks | Group ATMs are included. With Silver, cash withdrawals at other banks' ATMs in the SEPA area cost €2 each; Gold cuts that to €0.50; Platinum includes them. |
| Transfers | €1.20 online | With Silver, SEPA transfers, including instant transfers, cost €1.20 online and €3.50 in branch. Gold cuts them to €0.50 online and €1.50 in branch; Platinum includes them. Transfers in foreign currency or outside SEPA still cost extra. |
| Cards | €0 to €5/month | Silver includes the first XME Debit Card. Gold adds the first XME Credit Card with the monthly fee zeroed; Platinum goes further with premium card bundles. |
| 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 sits on top of the plan fee. |
Questions people actually ask
Silver starts at €5.90 a month, €70.80 a year, plus €34.20 of stamp duty if your average balance exceeds €5,000. Salary or pension credit cuts Silver to €2.90 a month. Gold is €10.90 and Platinum is €20.90.
Not with salary alone. Silver can drop to €0 only with Valore Insieme wealth packages; a salary or pension only cuts it to €2.90 a month.
Yes on the cheaper plans. Silver charges €1.20 online and €3.50 in branch for SEPA transfers, including instant ones. Gold cuts the charge to €0.50 online and €1.50 in branch; Platinum includes them.
With Silver, €2 per withdrawal at other banks' ATMs in the SEPA area. Gold cuts it to €0.50 and Platinum includes it. Group ATMs are included.
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 is checked against official provider documents and the linked source material below.
- Official XME Conto Silver page, the public entry plan at €5.90/month before stamp duty
- Official comparison of XME Conto Silver, Gold and Platinum, including other-bank ATM and SEPA transfer charges
- Official foglio informativo n. 363, XME Conto Silver
- Official foglio informativo n. 364, XME Conto Gold
- Reserved foglio informativo n. 245/209 for customers returning from Isybank, not the public XME Conto offer
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