Intesa Sanpaolo

Universal bank · Turin, Italy

Intesa Sanpaolo is Italy's largest bank, created in 2007 by the merger of Banca Intesa and Sanpaolo IMI. It has 3,569 branches (2,646 in Italy), 90,831 employees and subsidiary banks in 12 countries across Central and Eastern Europe, Egypt and Ukraine. Its digital bank Isybank had about 900,000 accounts opened by new customers at end-2025. In June 2026 it launched a EUR 30.6bn tender offer for Monte dei Paschi. Business accounts start at EUR 10 per month, with two years free for firms under 24 months old.

Legal name: Intesa Sanpaolo S.p.A.
Regulated by: ECB (Single Supervisory Mechanism), Banca d'Italia, CONSOB (Italy), National regulators of 12 subsidiary banks in CEE, Egypt and Ukraine
Licence confirmed: yes, on a regulator's own list
Established: 2007
Website: www.intesasanpaolo.com

Scores, 0 to 10

9.0Europe (EU, EEA, Switzerland)

Italy's largest bank with 2,646 Italian branches and subsidiary banks in Slovakia, Croatia, Hungary, Slovenia, Czech Republic and Romania · source

7.0Trade, manufacturing & import-export

Best Trade Finance Provider in Italy 2025 (Global Finance) with Trade & Structured Export Finance via IMI CIB · source

7.0Financial strength & stability

CET1 about 13.1% (over 13.8% including DTA absorption) at 1H26, rated A3 / BBB+ / A-, not a G-SIB · source

6.5Startups & VC-backed companies

Conto BusinessInsieme Illimitato free for two years for firms with VAT numbers under 24 months old, and Neva SGR runs a EUR 250m venture fund · source

6.0Cross-border payments, FX and multi-currency accounts

International Corporate Network in 24 countries and IMI Corporate & Investment Banking markets desk; no published FX margins for SMEs Inbiz corporate platform (EUR 5 to 40 per month), IMI Corporate & Investment Banking and subsidiary banks in 12 countries under one relationship · source

5.5Lowest fees

Conto BusinessInsieme tiers cost EUR 10, 25 and 30 per month; Conto Impresa Piu costs EUR 10 per month plus EUR 1.60 per recorded transaction · source

5.5Online businesses: e-commerce and SaaS

IMI Merchant Services and Cards and Intesa Sanpaolo POS acceptance services are bundled with business accounts The IMI Corporate & Investment Banking division supports corporates in Italy and 23 countries, but no API-first or software-company product was found on the pages opened today. · source

5.0Latin America, Africa & South Asia

Subsidiary banks in Egypt (ALEXBANK), Ukraine (Pravex), Moldova (Eximbank), Albania and Serbia and a corporate presence in Brazil · source

5.0Fast digital onboarding

Business accounts can be requested online in some cases but opening depends on bank checks and requires ID, tax code, VAT number and company registry extract · source

5.0On-ramp: buy crypto with fiat

Intesa sells no crypto, but a 2026 hands-on guide reports repeated SEPA transfers from an Intesa account to MiCA-authorised exchanges without blocks, with extra authentication above EUR 5,000; this is a secondary source, not an Intesa policy. · source

5.0Off-ramp: crypto to fiat in a business account

The same secondary guide says inbound exchange transfers above EUR 15,000 can trigger a source-of-funds request that tax filings and exchange statements clear, but Intesa publishes no process for business crypto proceeds. · source

4.5Crypto-friendly bank

No published policy on banking crypto firms; the bank holds 11 bitcoin and about USD 235m of crypto-linked exposure for proprietary trading, not client services · source

4.5Fintech companies that need a partner bank

No public safeguarding or BaaS offer; Intesa Sanpaolo Innovation Center and Neva SGR (EUR 250m venture fund) back fintech startups · source

4.5Business cards (Visa, Mastercard)

Intesa Sanpaolo's business product pages for accounts and cards returned 404 today; the business homepage only shows a Mastercard promotion, so fees and virtual card options could not be verified. · source

4.0United Kingdom

London is part of the International Corporate Network of branches active in 24 countries; no UK business current accounts · source

4.0United States

New York branch within the International Corporate Network serves corporates; no US SME banking · source

4.0Asia-Pacific (SG, HK, AU, JP, KR)

Corporate hubs and branches in China, Japan, Australia and other APAC locations serve corporates only · source

4.0Middle East & Gulf

Corporate presence in the UAE and Qatar, plus ALEXBANK as a subsidiary bank in Egypt · source

4.0Foreign-owned & non-resident companies

Intesa Sanpaolo serves Italian companies through 2,644 branches and its subsidiaries abroad through local branches; no remote onboarding for owners abroad is published. · source

3.5High-risk verticals (iGaming, cannabis, adult, forex)

No published policy on gambling, adult, cannabis or forex clients was found on the Intesa Sanpaolo pages opened today. · source

3.0Best interest on business balances

Business current account pages list no credit interest; card and transfer fees are itemised instead · source

2.0Stablecoins (USDC, USDT and others)

Intesa joined the Qivalis euro stablecoin consortium in May 2026, but Qivalis still had no DNB licence in September 2026 and the bank offers no stablecoin service today. · source

1.5Customer satisfaction

Trustpilot TrustScore 1.3 from 4,341 reviews with 88% one-star ratings · source

1.5Bitcoin

Intesa trades bitcoin and holds bitcoin ETFs for its own account, about USD 96 million disclosed in February 2026, but offers no bitcoin buying, holding or ETP access to business clients. · source

1.0Crypto wallet and custody for a business

Intesa Sanpaolo does not custody crypto for clients or list crypto in its app or XME accounts; its roughly USD 235 million of crypto-linked exposure in the first quarter of 2026 is held for its own trading book, checked September 2026. · source

1.0Accept crypto payments

Intesa's business POS offer runs on Nexi terminals for card payments, with no crypto or stablecoin acceptance on the page, checked September 2026. · source

1.0Ethereum

Intesa added ether positions to its proprietary book in early 2026, but clients cannot buy or hold ether through the bank, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.