EuropeItalyLicensed-entity research

BPER Banca S.p.A.

BPER Banca S.p.A. is an Italian bank entity that can be individually verified in the ECB’s 2026 year list of supervised entities. Its publicly disclosed BPER On Demand online personal account is available only to individuals meeting conditions including Italian residence, Italian tax residence and an Italian mobile number. The public information available is insufficient to confirm whether non-resident individuals or foreign companies can open accounts through a branch or other products.

Regulator: European Central Bank (ECB, direct supervision of significant entities); Banca d’Italia (Italy’s competent banking authority)
Check date: 2026-10-26
Verify status: Some information pending confirmation

Research scope and official resources

Topic number:europe-bper-banca-spa

According to selection.json, this is one of the publicly selected large institutions for 2025/2026, involving The Banker 2026 Tier 1 capital measure. The candidate list is only a research selection clue, not a current global top 100 ranking, and does not establish account-opening services or licensing. No specific ranking is claimed in this profile.

Bank’s official website

Personal Eligibility and Documents

Publicly confirmed: BPER On Demand online account applicants must be new BPER customers, natural persons, at least 18 years old and under 75 years old, resident in Italy; the page expressly excludes non-Italian tax residents and requires an Italian mobile number. The website also states that adults can apply for an ordinary account at a BPER branch with identity documents and a codice fiscale (Italian tax code). Not publicly confirmed: the branch application information does not expressly state that non-Italian residents, foreign tax residents, or non-residents are accepted, nor does it specify account categories, eligibility assessments, or additional requirements for non-residents; the branch channel must not be assumed to be available to applicants abroad.

Personal information publicly disclosed or identified

BPER standard branch account: The basic documents publicly listed for an adult individual are valid identity documents and an Italian tax code, codice fiscale. The bank must confirm acceptance in each case.
BPER On Demand online account: The website lists valid identity documents, Tessera Sanitaria (Italian health card associated with a tax number), a mobile number, an email address and a residential/home address. Applicants must also meet the online product’s age, residence, tax-residence and Italian mobile-number requirements.
BPER has not publicly confirmed a list of additional documents for non-residents or foreign tax residents. General preparation suggestions (not BPER policy): passport, proof of overseas residential address, tax-residency and tax number self-declaration, and information on income/occupation and expected account use. Request the official checklist for the relevant applicant category from the bank first.

Company eligibility and documents

Publicly confirmed: BPER On Demand Business is an online product for sole proprietors, individual businesses (ditte individuali), self-employed people, and freelancers; the webpage says it can be handled online or at a branch. Not publicly confirmed: the product page does not establish that it accepts business owners who are foreign tax residents, foreign-registered businesses, Italian limited liability companies, or other separate legal entities. Nor was specific account eligibility, an available product, or a non-resident company policy found for these entity types. Confirm in writing with BPER first whether the proposed legal entity type, place of registration, and actual controllers can be accepted.

Company information publicly disclosed or identified

Publicly stated product scope: BPER On Demand Business is for sole proprietorships, individual entrepreneurs, self-employed people, and freelancers, and can be handled online or at a branch; the webpage does not list a complete document checklist for incorporated companies.
General preparation suggestions (not BPER's public policy or complete checklist): Company registration certificate/commercial register extract, Articles of Association and formation documents, company tax number and VAT number (if applicable), identity documents and authorizations for the legal representative and authorized signatories, ownership and ultimate beneficial owner structure, registered address, tax residence declaration, and supporting evidence of business activities/account use and source of funds. BPER must confirm the final requirements in writing based on the type of legal entity and risk assessment.

Address, tax, and remote / witnessed procedures

Address and tax

BPER On Demand’s online account requires residence in Italy and excludes applicants with a non-Italian tax residence. Applicants must provide a residential/home address and an Italian mobile number. Publicly listed documents for a standard branch account include a codice fiscale. The Italian tax authority states that non-resident individuals may apply for an Italian tax number through an Italian consular office in their country of residence. No public BPER rules were found for non-resident applications specifying whether applicants must also provide their country-of-residence tax number, proof of tax residence or proof of a foreign address; this should be confirmed in writing.

Remote / witnessing

The BPER On Demand online process can be completed using a smartphone; the website says applicants can also start on a computer and then switch to a phone using a QR code. However, online eligibility is limited to the publicly stated conditions for individuals residing in Italy. There is no evidence that BPER supports remote account opening worldwide, identity verification by video for customers abroad, overseas witnesses or witnessing by third-party notaries. The website describes the standard account as being opened at a branch.

Public process reference

Personal branch route: an adult individual visits a BPER branch with valid identification and a codice fiscale; the bank's website does not publish a separate application process or eligibility commitment for non-resident individuals.
Personal online route: First confirm eligibility for BPER On Demand, including that the applicant is a new customer, a natural person aged 18 to under 75, resident and tax resident in Italy, and has an Italian mobile phone number. Prepare a valid identity document, Tessera Sanitaria, contact information, and address, then complete the application on a mobile phone through the official online process.
Small-business route: the BPER On Demand Business webpage states that sole proprietorships, sole traders, self-employed people and freelancers can apply online or at a branch; the page does not provide the same eligibility or document list for limited liability companies, other separate legal entities or foreign-incorporated businesses.
When applying as a non-resident individual or legal entity, first obtain written confirmation from a BPER branch/account manager of the entity types accepted, tax residence, acceptable proof of address and tax identification number, due diligence documents, whether in-person attendance is required, and whether the process can be completed cross-border; current public sources do not confirm that such an application can be accepted.

Compliance topics, details, and sources

Italy AML/KYC and ongoing due diligence

Italy’s AML system is risk-based and requires regulated entities to conduct appropriate customer due diligence, including identifying and verifying customer identity, understanding the purpose and nature of relationships, ongoing monitoring, and recordkeeping. This explains why a bank may require verification of applicants and transaction background, but does not mean BPER has published a specific document list for non-residents.

Source:Italian Financial Intelligence Unit (UIF) — Italy’s Anti-Money Laundering Framework

Beneficial owner, business purpose and source of funds

Official Italian AML guidance explicitly covers identifying and verifying the ultimate beneficial owner, obtaining information about the purpose/nature of the relationship, and ongoing monitoring. BPER has not published a list for the non-resident companies covered by this research specifying source-of-funds documents. The possibility that further supporting evidence may be requested based on risk and the individual case is noted only as a due diligence preparation point; it should not be understood as a guarantee of account opening or as a fixed document policy.

Source:Italian Financial Intelligence Unit (UIF) — Italy’s Anti-Money Laundering Framework ；BPER On Demand Business—Account product for sole proprietors

Declaration of tax residence, CRS and FATCA

Materials from the Italian Ministry of Economy and Finance explain that Italy implemented CRS financial account due diligence/information exchange through a ministerial decree dated 2015 year 12 month 28 day and related rules, and exchanges information on US-related accounts through the Italy–US FATCA arrangement. FATCA and CRS are distinct regimes; US-related tax status is verified under applicable FATCA rules, and this text does not claim that the United States has joined CRS. No tax self-certification form or foreign tax identification number requirements for this category of BPER applicants were found; these should be confirmed with the bank.

Source:Italian Ministry of Economy and Finance — Summary of International Tax Information Exchange Measures ；U.S. Department of the Treasury—U.S.–Italy FATCA Intergovernmental Agreement

EU financial sanctions screening

Article 2 of EU Regulation (EU) No 269/2014 requires the freezing of funds/economic resources belonging to listed persons and prohibits making funds or economic resources available to them, directly or indirectly. This is the applicable EU regulatory baseline. No BPER internal screening steps, procedures for handling list matches, or customer classification policy were found in this research; the regulation itself should not be treated as BPER’s published account-opening rules.

Source:EU Regulation (EU) No 269/2014—Restrictive measures

Compliance evidence

Account-opening compliance and supporting-document checklist

The bank’s stated requirements, local regulations, and preparation recommendations are presented separately. Acceptance in a specific case is subject to confirmation by the bank.

BPER On Demand Business is publicly offered to Italian sole businesses, sole proprietors, self-employed people and professionals. This does not establish that independent legal entities or foreign-registered businesses can open accounts. The following is a document-preparation and regulatory baseline, not confirmation of bank eligibility. BPER’s public AML disclosures are intended for bank counterparties and are not a list of documents for account applicants.

Date information checked:2026-10-26

Information evidence package

Business identity, authority to represent and applicant entity

Who it applies to: Sole proprietors or corporate applicants; acceptance eligibility for companies and foreign businesses has not been publicly confirmed
Documents to Prepare: It is advisable to have recent business registration or incorporation documents, constitutional or formation documents, and the business tax number/VAT number (if applicable) ready.
Provide identification documents for legal representatives and authorized signatories, along with board resolutions, letters of authorization, or other evidence of authority to represent the company.
Prepare an Italian or English version first; confirm with BPER the requirements for certified copies, translations, certification methods and document validity periods.
Description: These are all application preparation suggestions, not a mandatory checklist published by BPER. BPER states that its Business product is intended for sole proprietors, self-employed people, and freelancers; that page does not list documents for opening an account for a corporate legal entity.

Source:BPER On Demand Business—Eligible customers and application channels

Ultimate beneficial owners and control chain

Who it applies to: Companies, entities and applicants with intermediary ownership/control arrangements; corporate ownership-chain documents do not apply to individual applicants.
Documents to Prepare: Prepare a shareholding structure chart tracing each level from the applicant entity to natural persons, showing shareholding percentages, voting rights, and the basis of control.
Prepare the relevant shareholder register/registration extract, shareholder agreement or explanation of any trust/nominee arrangement, if applicable, and have information on the identity, residence and tax residence of the relevant natural persons ready.
If no direct owner can be identified, document the actual control arrangements and the basis for appointing management for the bank to assess.
Description: Italy’s AML framework requires identifying and verifying customers and ultimate beneficial owners; the sources reviewed for this inquiry did not establish a shareholding percentage threshold applicable in all circumstances. Do not treat 25% as a confirmed BPER threshold.

Source:Italian Central Bank UIF — Italy’s AML system

Genuine business, expected transactions and supporting evidence for funds

Who it applies to: Business and operator applicants; adapt for personal accounts based on actual use.
Documents to Prepare: It is advisable to prepare a concise business description, main customers/suppliers and countries of operation, expected average monthly receipts and payments, and commonly used currencies/cross-border regions.
Depending on the actual circumstances, prepare recent financial statements, tax returns or management accounts, major contracts/invoices, and proof of the source of the initial deposit.
For expected transactions that are unusually large, cross-border, or inconsistent with the principal business, prepare an explanation of the transaction background, flow of funds, and business purpose.
Description: Risk-based ongoing customer due diligence is a regulatory requirement; the documents above are preparation recommendations to help explain the business and funds. BPER has not publicly disclosed specific source-of-funds documents, thresholds or transaction limits for this application category.

Source:BPER Banca—AML disclosures and Wolfsberg questionnaire information；Italian Central Bank UIF — Italy’s AML system

Due diligence and enhanced verification

UBO and identification of actual controllers

Basis for Verification: Italy’s AML framework requires identifying and verifying customers and ultimate beneficial owners and understanding the purpose and nature of the relationship; the control criteria, shareholding thresholds, and evidentiary formats used by BPER in individual cases have not been made public.
Preparation recommendation: Provide a tier-by-tier ownership chart, registration documents, and an explanation of control arrangements, ensuring the chain is traceable to individuals. Attach a brief explanation for complex structures and confirm the applicable threshold with the bank.
Scope: Italian regulatory baseline; the documents and structure chart are general preparation advice and do not constitute BPER’s complete list.

Source:Italian Central Bank UIF — Italy’s AML system

Source of wealth/funds and reasonableness of transactions

Basis for Verification: Regulations require risk-based due diligence and ongoing monitoring; BPER has not published source-of-funds or source-of-wealth document requirements or internal risk thresholds for this customer category.
Preparation recommendation: Prepare financial statements, tax/sales records, contracts and invoices, shareholder contribution documents, or proof of asset sales according to how the funds were accumulated, and ensure they are consistent with the intended account use, transaction scale, and countries to be declared.
Scope: Regulatory principles plus general preparation recommendations; the bank determines any additional documents on a case-by-case basis.

Source:Italian Central Bank UIF — Italy’s AML system

Tax residence, TIN and CRS classification

Basis for Verification: The Italian Revenue Agency explains that, for CRS due diligence, financial institutions must assess the reasonableness of self-certifications and supporting documents in conjunction with AML/KYC information obtained at account opening. The forms, reportable tax jurisdictions, and required evidence formats for this category have not been found for BPER.
Preparation recommendation: List all tax residences of the entity and its related controlling persons, the corresponding TINs, and the entity’s CRS classification. Prepare tax residence certificates or registration records to explain any discrepancies with the registered address.
Scope: General CRS requirements; customer completion obligations and supporting documents are subject to BPER’s forms and case-specific confirmation. This is not described as a process published by BPER.

Source:Italian Revenue Agency — CRS DAC2 FAQs

PEPs, sanctions and cross-border connections

Basis for Verification: BPER’s public pages do not disclose the PEP or sanctions screening process, treatment of matches or risk acceptance criteria for this type of account opening. This does not establish blanket refusal or guarantee acceptance.
Preparation recommendation: If the applicant, UBO, or representative holds or previously held public office or has an association with a high-risk jurisdiction, we recommend preparing details of the position and term of office, relationship, source of funds, and business purpose, and truthfully disclosing information when asked by the bank.
Scope: The bank’s internal policies are not public; this is for transparency and to help prepare for requests for additional documents only, and does not constitute a specific regulatory conclusion.

Source:BPER Banca—AML disclosures and Wolfsberg questionnaire information；Italian Central Bank UIF — Italy’s AML system

Ongoing maintenance obligations

Changes to customer information and control

Italy’s AML framework requires ongoing monitoring of customer relationships, but the sources reviewed do not specify BPER’s notification channels, update deadlines, or periodic review intervals. Keep address, representatives, ownership/control chain, and tax residence information up to date; confirm with the bank and update it as soon as possible when changes occur.

Source:Italian Central Bank UIF — Italy’s AML system

Transaction background and supplementary due diligence

The bank must maintain ongoing knowledge of the relationship and monitor transactions. After opening an account, retain contracts, invoices, financial records, and evidence of fund flows; if transaction size, region, or purpose changes significantly, prepare an explanation that can be reconciled with the information provided at account opening. Specific review frequency and trigger thresholds are not public.

Source:Italian Central Bank UIF — Italy’s AML system

CRS Tax Information Consistency

CRS information should match the customer’s stated tax residence and account-opening/KYC information. If the tax residence or TIN changes, it is advisable to ask BPER whether a new self-certification must be submitted. BPER’s notification method and deadline have not been published.

Source:Italian Revenue Agency — CRS DAC2 FAQs

Please confirm with the bank before booking

Does BPER accept the applicant’s exact legal entity type, place of registration and tax-residence jurisdiction? Which account products and application channels are available?
How are the definitions of UBO/controller, applicable ownership thresholds, and the level of natural persons whose details must be submitted determined in each case?
Please provide the official account-opening and CRS/FATCA forms, TIN requirements, and supplementary document checklist for business activities/source of funds applicable to this type of legal entity.
Which registration documents and forms of identity evidence are accepted? Are originals, certified copies, Italian translations or consular/notarial certifications required, and how is document validity determined?
Must the representative or UBO attend in person? Can overseas applicants complete identity verification remotely? What are the estimated processing time, fees and minimum deposit, if any?

Not confirmed by public information

BPER Business publicly identifies sole proprietorships, self-employed people and professionals as eligible customers. Whether companies, foreign-registered businesses or non-resident individuals can open accounts, and which products might apply, has not been confirmed by the sources reviewed.
The Wolfsberg questionnaire and AML policy summary published on BPER’s AML page describe the bank’s organization and procedures. The page does not list them as mandatory documents for individuals or businesses applying to open an account.
The UBO threshold, complete document list, translation and certification requirements, in-person attendance, source-of-funds standards, internal PEP/sanctions rules, fees, minimum deposit, review time, and account limits for this type of account have not been published; ask the bank about each item in writing.

Sources & Scope of Verification

BPER Banca—AML disclosures and Wolfsberg questionnaire information
BPER states that banks are subject to European and Italian AML due-diligence obligations and provides a Patriot Act statement, a Wolfsberg questionnaire and an AML policy summary. The page describes the latter two as information about the bank’s organization and procedures, not as a list of documents for account-opening customers.
BPER On Demand Business—Eligible customers and application channels
BPER positions this Business account for sole businesses, sole proprietors, self-employed people and professionals, and says it can be opened online or at a branch. The page does not specify eligibility for corporate entities or foreign businesses, or provide a complete list of required documents.
Italian Central Bank UIF — Italy’s AML system
The official guidance explains D.Lgs. 231/2007, the risk-based approach, and customer due diligence by obligated entities such as banks. This includes identifying and verifying customers and ultimate beneficial owners, understanding the purpose and nature of the relationship, ongoing monitoring, and recordkeeping. It does not provide BPER-specific case document lists or internal thresholds.
Italian Revenue Agency — CRS DAC2 FAQs
The official FAQ explains the handling of CRS information by Italian reporting financial institutions, self-certifications and reasonableness checks of supporting documents, and states that verification should take account of AML/KYC information gathered when the account is opened. This does not mean BPER has published a specific customer form or document format.

Fees and timelines

As of 2026-10-26, the BPER On Demand official website listed monthly fees for the personal online plans of 0 euros for Light, 2 euros for Pro, and 5 euros for Ultra, with these prices stated to apply for the first 3 months. Thereafter, the relevant monthly fee is maintained if the customer is under 35 years of age, receives a salary/pension each month, or receives transfers of at least 1,000 euros per month; otherwise the fees are 5.30, 7.30, and 10.30 euros/month, respectively. The promotional terms listed on the official website are valid until 2027-01-31; actual terms are subject to the official information sheet at account opening. The sources reviewed did not confirm account-opening fees, minimum deposits, acceptance times, limits, or non-resident product charges for general branch accounts or corporate accounts; no estimates are made.

Limitations and practical considerations

BPER On Demand’s online personal account expressly excludes non-Italian tax residents. Applicants must also reside in Italy and have an Italian mobile number.
Online personal products are limited to new individual customers aged 18 to under 75; other account products may have different conditions, but eligibility for non-residents has not been confirmed.
BPER On Demand Business is publicly described as intended for sole proprietors, sole businesses, self-employed people and professionals; this eligibility must not be interpreted as extending to all corporate entities or foreign businesses.
Non-resident individual branch account opening, legal-entity eligibility for company accounts, overseas address/tax number requirements, remote witnessing, account-opening timelines, and minimum deposits must all be confirmed in writing with BPER.
Public product information does not mean that Rengangyongsheng (Hong Kong) Limited can currently book or arrange account opening; final eligibility, due diligence, and service scope are determined by BPER.

Licensing evidence and regulatory verification

BPER Banca S.p.A. was verified by name in the ECB’s “List of supervised entities” as of 2026-09-01, where it is listed as an Italian credit institution (CI) and a significant institution directly supervised by the ECB. The list shows LEI N747OI7JINV7RUUH6190. This verifies its identity as a currently supervised ECB entity; it is not an independent verification of the full entry in the Bank of Italy’s register of banks (Albo delle banche). No licence number was found or fabricated, and this does not imply that non-residents or overseas companies are eligible to open an account.

European Central Bank (ECB, direct supervision of significant entities); Banca d’Italia (Italy’s competent banking authority) Official registration or record

Information sources

BPER On Demand online personal account—Eligibility, documents and fees
The BPER page describes the applicant categories, age, Italian residence and tax-residence restrictions, and Italian mobile-number requirement for the online personal account; lists identity documents, Tessera Sanitaria, contact information and residential/home address; and explains the mobile-based online application. The page also lists the monthly fees for Light/Pro/Ultra, applicable conditions and promotional validity period.
BPER FAQ Documenti—Documents for opening a standard personal account
The official FAQ says adult individuals applying for a standard account should visit a BPER branch and bring identification and a codice fiscale. It does not specify nonresident eligibility.
BPER On Demand Business—Account product for sole proprietors
The official website positions this Business product for sole proprietorships, sole traders, self-employed people, and freelancers, and says it can be opened online or at a branch. The page does not provide eligibility criteria or complete document requirements for incorporated companies or foreign businesses.
ECB Banking Supervision — register of supervised entities, 2026/10
The PDF register is dated 2026-09-01. Its entries list BPER Banca S.p.A. by name and show its LEI, credit institution (CI) designation, Italy, and a range for the total assets of significant entities, directly supporting its status as an entity supervised by the ECB.
Italian Financial Intelligence Unit (UIF) — Italy’s Anti-Money Laundering Framework
The Italian Central Bank UIF explains that Italy’s AML legal framework is D.Lgs. 231/2007 and applies risk-based customer due diligence, including identification and verification of customers and beneficial owners, understanding the purpose and nature of relationships, ongoing monitoring, recordkeeping, and suspicious transaction reporting; the page also describes supervisory responsibilities.
Italian Revenue Agency — Applying for a Codice Fiscale as a Foreign Citizen
The tax authority explains the purpose of an Italian tax code for foreign nationals and how to apply. Non-residents may apply through the Italian consular authority in their country of residence; the competent authorities and identity document requirements for applications in Italy are also listed.
Italian Ministry of Economy and Finance — Summary of International Tax Information Exchange Measures
The Ministry of Finance document states in its main text that CRS was implemented in 2015, based on the Ministerial Order dated 28 12 2015 and related rules. It explains that banks conduct due diligence on customer accounts and provide financial account information to the Italian tax authorities. It also states that Italy approved the US FATCA agreement through Law No. 95/2015.
U.S. Department of the Treasury—U.S.–Italy FATCA Intergovernmental Agreement
The agreement’s preamble and terms state that Italy and the United States conduct domestic reporting and reciprocal automatic information exchange under FATCA; this supports treating U.S. account tax identification as part of the FATCA arrangement, rather than mischaracterizing FATCA as CRS.
EU Regulation (EU) No 269/2014—Restrictive measures
Article 2 of the EUR-Lex regulation provides for the freezing of funds and economic resources belonging to designated persons and entities, and prohibits making funds or economic resources available, directly or indirectly, to listed individuals or entities; this describes the applicable EU sanctions-law baseline and does not represent BPER’s disclosure of its internal screening procedures.