At the Bank
You need an Italian bank account for your salary, your rent, and most bills. Opening one usually means an in-person appointment, a stack of documents, and a conversation about fees that's worth having properly. These phrases get the account open and keep you in control of the small print.
Tap any phrase to hear it spoken.
Buongiorno, vorrei aprire un conto corrente.
Good morning, I'd like to open a current account.
Conto corrente is the standard everyday account. Just "conto" works fine in conversation.
Quali documenti servono per aprire un conto?
Which documents do I need to open an account?
Ho il codice fiscale e il permesso di soggiorno.
I have my tax code and residence permit.
The codice fiscale is non-negotiable. No codice fiscale, no account, no exceptions.
Quanto costa il canone mensile?
How much is the monthly fee?
Italian accounts often carry a monthly canone. Always ask before signing.
C'è un conto senza spese per studenti?
Is there a no-fee account for students?
Vorrei fare un bonifico.
I'd like to make a bank transfer.
The bonifico is how rent, deposits, and most bills move in Italy.
Qual è il mio IBAN?
What's my IBAN?
Posso ricevere lo stipendio su questo conto?
Can I receive my salary into this account?
Employers ask for your IBAN on day one. Some accounts waive fees when a salary lands monthly, worth asking.
Il bancomat non funziona. Può aiutarmi?
My debit card isn't working. Can you help me?
Bancomat means both the ATM and the debit card. Context does the work.
Devo prendere un appuntamento?
Do I need to book an appointment?
For account opening, almost always yes. Walk in or call to book it, then come back with your documents.
il conto corrente
current account
il bonifico
bank transfer
il bancomat
debit card, also the ATM
il canone
recurring fee
lo stipendio
salary
la firma
signature
il prelievo
cash withdrawal
At the bank, account-opening appointment.
Buongiorno, mi dica.
Good morning, how can I help you?
Buongiorno, vorrei aprire un conto corrente. Sono appena arrivato in Italia per lavoro.
Good morning, I'd like to open a current account. I've just arrived in Italy for work.
Benissimo. Ha il codice fiscale?
Very good. Do you have your tax code?
Sì, ecco. Ho anche il passaporto, il permesso di soggiorno e il contratto di lavoro.
Yes, here it is. I also have my passport, residence permit, and work contract.
Perfetto. Questo conto ha un canone di tre euro al mese. Le va bene?
Perfect. This account has a fee of three euros a month. Is that okay for you?
C'è un'opzione senza canone?
Is there a no-fee option?
Sì, il conto online, ma senza operazioni allo sportello.
Yes, the online account, but without counter services.
Va bene quello online. Quando sarà attivo l'IBAN?
The online one is fine. When will the IBAN be active?
Subito. Il bancomat arriva a casa sua entro una settimana.
Right away. The debit card will arrive at your home within a week.
Ottimo, grazie mille.
Excellent, thanks a lot.
Read the fee schedule before signing anything: the canone, the cost per bonifico, and withdrawal fees at other banks' ATMs all vary a lot between accounts. If a branch says opening an account is impossible without residenza, that's often that branch's policy rather than the law. Trying another bank, or the same bank's online arm, regularly works.
Every phrase above has a form, an office, or a card behind it. These pages decode them.
Thanks, we'll take a look.
If you left an email, we'll reply when there's something to say.