How to Open a Bank Account in Italy as a Foreigner

Not every remote worker in Italy needs a local bank account — but for anyone staying more than a couple of months, paying rent, or dealing with Italian utility providers, it makes daily life noticeably easier. Here's what's actually involved.

Do You Actually Need One?

For stays under a few months, many nomads get by entirely with an international account like Wise, Revolut or N26 — all work fine for card payments, ATM withdrawals, and even IBAN-based transfers within the EU (N26 and Wise issue you a usable IBAN without Italian residency). A traditional Italian bank account becomes genuinely necessary when you're signing a long-term lease, setting up Italian utility direct debits, or need a local bank's specific services (like a mortgage, down the line).

Traditional Italian Banks

Major retail banks — Intesa Sanpaolo, UniCredit, BNL, and others — all accept foreign customers, but the process is more paperwork-heavy than opening an online account. Expect an in-person appointment, and typically:

• A valid passport.
• A codice fiscale — see our dedicated guide; almost every Italian bank requires this before opening an account.
• Proof of Italian address — a rental contract or utility bill in your name.
• Proof of income or employment — a remote-work contract or recent payslips are usually accepted.

Online / EU-Wide Alternatives

Wise, Revolut and N26 have become the default choice for many digital nomads specifically because they sidestep the in-person, address-proof-heavy process of a traditional Italian bank. They're not a full substitute in every situation (some Italian landlords and utility providers still prefer a domestic IBAN), but they cover day-to-day spending, ATM access and receiving payments perfectly well for shorter stays.

Comparing the Options

Frequently Asked Questions

Do I need an Italian bank account as a digital nomad?

Not always — for shorter stays, an online account like Wise, Revolut or N26 usually covers everything. A traditional Italian account becomes more useful for long-term leases and local direct debits.

What documents do I need to open an Italian bank account?

Typically a passport, a codice fiscale, proof of Italian address, and proof of income or a work contract.

Can I open an Italian bank account without a codice fiscale?

Almost never with a traditional bank — it's a standard requirement. Online alternatives like Wise or N26 don't require one.

Is Wise or Revolut good enough for living in Italy?

Yes, for most day-to-day needs — card payments, ATM withdrawals, and EU transfers all work well. Some landlords and utility providers still prefer a domestic account.

How long does it take to open a bank account in Italy?

A traditional bank typically takes one to two weeks including an in-person appointment; online alternatives can be set up in minutes.