EuropeItalyLicensed-entity research

Intesa Sanpaolo S.p.A.

Intesa Sanpaolo S.p.A. (the Italian banking legal entity; not Intesa Sanpaolo Group or its holding entity)

Intesa Sanpaolo S.p.A. is an Italian credit institution expressly listed in the ECB supervised entities register for 2026/4. Its current registration number in the Bank of Italy's domestic register was not individually verified in this dynamic search. The official website provides conditional guidance on personal accounts for certain categories of residents and Italian citizens residing abroad, but does not confirm eligibility for foreign non-resident individuals generally or foreign-incorporated companies.

Regulator: European Central Bank (ECB, direct supervision of significant institutions in the Banking Union); Banca d’Italia (the authority responsible for domestic banking supervisory registration in Italy)
Check date: 2026-10-26
Verify status: Some information is pending confirmation: Intesa Sanpaolo S.p.A.’s entity entry has been verified in the ECB 2026-4 list of supervised entities, and the bank’s specific personal/business products and application conditions, as well as official Italian tax authority and UIF/FITD rules, have been reviewed. The entity’s current registration entry and number in the Bank of Italy’s dynamic domestic register, eligibility for foreign nonresident individuals/foreign-incorporated companies, complete account-opening documents, proof of address, remote verification of overseas identities, and nonresident approval process have not been publicly verified.

Research scope and official resources

Topic number:europe-intesa-sanpaolo-spa

From the public selection background of major institutions for 2025/2026; selection.json identifies it as a candidate major Italian bank in The Banker Top 1000 World Banks 2026 (Tier 1 capital measure). It neither provides nor claims an individual ranking for this legal entity, nor represents a real-time global top 100, licensing verification or account-opening acceptance decision.

Bank’s official website

Personal Eligibility and Documents

The bank’s official XME account-opening FAQ confirms that consumers aged 18 or older may apply for XME Conto; foreign citizens residing in Italy may apply through the App, online banking, or digital/in-person bank branches only if they have an Italian tax code (codice fiscale). Italian citizens living abroad may apply for XME Conto Silver/Gold/Platinum, but new applications must be made at a branch; existing customers with My Key who have already logged in to remote services for the first time may apply online. The page does not confirm that individuals of other nationalities or individuals living outside Italy can open an account, nor does it specify the countries of residence, proof-of-address requirements or complete compliance conditions for non-resident account opening; these must be confirmed in writing by the bank.

Personal information publicly disclosed or identified

Identity documents for new customers applying online, as listed in the bank’s personal account-opening FAQ: an Italian electronic identity card (carta d'identità elettronica), passport or driving licence; where required, a health card/Italian tax code card (tessera sanitaria). The FAQ lists documents issued in Italy; it does not mean that all foreign-issued documents can be used for online identification.
The bank expressly requires foreign nationals residing in Italy to have an Italian tax identification number (codice fiscale). The Italian tax authority states that non-resident individuals may apply for a tax identification number through an Italian consular office in their country of residence.
General preparation suggestion (not a published bank policy): You may prepare valid identification, an Italian tax number, current residential address, and a tax-residency self-certification. The bank’s public pages do not list proof-of-address requirements, proof of foreign tax numbers, or accepted formats; confirm these with the bank before opening the account.

Company eligibility and documents

The official BusinessInsieme business account page is for customers engaged in commercial, business, or artisan activities. The promotional eligibility conditions specifically listed on the page are that the Italian Partita IVA was opened less than 24 months ago, turnover does not exceed EUR 2,500,000, and the account is opened by 2026-10-31. These are conditions for that promotion and cannot be generalized as universal eligibility criteria for all business accounts or rules for admitting foreign companies. The website does not confirm whether foreign-registered companies, companies without an Italian Partita IVA, or nonresident beneficial owners can open an account, and does not publish a complete business account eligibility list. Confirm the specific legal form, place of business, representative, and UBO requirements directly with the bank.

Company information publicly disclosed or identified

The bank’s published page does not provide a complete account opening document list applicable to all businesses. The BusinessInsieme page’s eligibility for a specific new business promotion depends on the date the Partita IVA was opened and turnover, but the public page does not present these as general account opening document requirements.
General preparation suggestion (not a published Intesa Sanpaolo policy): Ask the bank whether it requires a company register extract/registration certificate, articles of association or formation documents, Partita IVA and tax-residency details, a board resolution or signing authorization, identification documents for the legal representative and UBOs, an ownership structure chart, business address and account purpose, and an explanation of source of funds/expected transactions. Do not mistake this suggestion for the bank’s official complete checklist; certification, translation, and acceptable formats for foreign companies and documents signed abroad remain subject to confirmation by the bank.

Address, tax, and remote / witnessed procedures

Address and tax

The FAQ for personal products confirms that some applicants must have an Italian codice fiscale. According to official Italian tax authority guidance, people living abroad can contact the Italian consular office in their country of residence to apply for an Italian tax number. Business product promotion eligibility mentions Partita IVA. The bank’s public information does not specify the types of proof of residential/registered office address required for account opening, forms for non-resident tax residency declarations, formats for foreign tax numbers, or submission methods; these must be confirmed.

Remote / witnessing

The personal online account-opening information describes applying through the Intesa Sanpaolo Mobile App or website and uploading Italian identity documents as instructed. New account opening for Italian citizens living abroad expressly requires an in-branch application. Official materials do not confirm global video account opening for applicants abroad, remote witnessing of identity documents from other countries, third-party witnessing, or notarization as an alternative; do not assume that remote account opening is available.

Public process reference

Personal application: Applicants who meet the circumstances listed on the official website may start the XME Conto process in the app or on the website, enter identification details, submit the required documents as directed on the page, choose an account plan and sign online. The bank retains the right to assess and approve applications.
Foreign nationals residing in Italy: The bank FAQ states that an Italian tax code is required; whether specific documents are accepted and the review process are subject to the bank’s confirmation.
Italian citizens residing abroad: a new account must be opened by appointment at a branch; existing My Key customers who have completed their first remote login may use the online channel as described in the FAQ.
Foreign non-resident individuals, foreign-registered companies, or other cases not specifically covered by the official website: first confirm with the bank the intended product, eligible countries/regions of residence or registration, appointment channel, identity verification and document checklist. Currently available public information is insufficient to provide complete account-opening steps or confirm that applications will be accepted.

Compliance topics, details, and sources

Italy AML/KYC and ongoing due diligence

The Italian UIF (based at Banca d’Italia) explains that Italy’s AML framework is centered on D.Lgs. 231/2007 and risk-based customer due diligence. Financial institutions must identify and verify customers and beneficial owners, understand the purpose and nature of relationships, monitor relationships on an ongoing basis, retain records, and report suspicious transactions. This is the statutory baseline in the jurisdiction, not the bank’s publicly disclosed case-specific document checklist or an approval commitment.

Source:UIF — Ordinamento italiano in materia antiriciclaggio

Business beneficial owners, business purpose and source of funds

The Italian UIF explains that transparency in the beneficial ownership of companies and trusts, identification of customers and UBOs, understanding the purpose and nature of relationships, and reconstructing the flow of funds are components of the AML framework. When opening a business account, the bank may require further verification of the control chain, business activities, expected transactions, and source of funds based on risk. Intesa has not published a complete list of case-specific evidence on its public business product pages; follow the bank’s formal requirements.

Source:UIF — Ordinamento italiano in materia antiriciclaggio

Tax Residency Declarations, CRS/DAC2, and FATCA

The Italian Revenue Agency explains that Italian financial institutions report information to the tax authorities on reportable accounts under CRS/DAC2 and implementing rules. The Italy–US FATCA intergovernmental agreement took effect on 2014-07-01 and covers the exchange of information on accounts held by US citizens/residents at Italian financial institutions and accounts held by Italian residents at US financial institutions. The bank must confirm the tax-residence self-certification and any additional tax identification number requirements for account opening based on the applicant’s actual circumstances. The United States is not a CRS participating jurisdiction and should not be described as having joined CRS.

Source:Agenzia delle Entrate — Scambio Automatico Finanziario Internazionale CRS DAC2 ；Agenzia delle Entrate — Consultazione documenti FATCA

Sanctions and counter-terrorist financing screening

The Italian UIF’s explanation of the national framework includes rules on combating terrorist financing and activities related to countries threatening international peace and security, and cites D.Lgs. 109/2007. The bank’s specific list sources, handling of matches, and impact on a particular applicant have not been disclosed on product pages; this statement describes only the applicable Italian compliance baseline and is not advice on evading screening.

Source:UIF — Ordinamento italiano in materia antiriciclaggio

Deposit protection

FITD states that deposits with its member banks are generally protected up to 100,000 euros per depositor, per bank, subject to the scheme’s rules on coverage and compensation. This general explanation does not replace verification of whether a specific deposit category, depositor, and account’s legal holder meet the coverage conditions.

Source:FITD — Fondo Interbancario di Tutela dei Depositi

Account Opening Compliance Information

Account Opening Compliance and Document Preparation Guide

This page lists separately the requirements published by the bank, local regulations, and document preparation suggestions. Acceptance and specific requirements are subject to confirmation by the bank.

The target accepting legal entity is the Italian bank Intesa Sanpaolo S.p.A., not another bank or holding entity in the group. The official website's personal customer FAQ only specifies certain consumer situations; the group's AML guidelines describe its internal customer due diligence framework but do not confirm that foreign non-resident individuals or foreign-registered companies can generally open accounts. This guide is also intended to help eligible customers verify information and other applicants prepare questions for an appointment; eligibility and products must be confirmed by the bank.

Date information checked:2026-10-26

Document Preparation Checklist

Personal identity, tax number and residence/tax information

Who it applies to: Consumers; applies only to the individual applicant scenarios described in the bank’s FAQ and does not imply eligibility for foreign non-residents.
Documents to Prepare: The bank’s FAQ expressly states that new customers applying online must upload an Italian-issued electronic identity card, passport, or driving licence, and provide an Italian health card when required. This list does not establish that foreign-issued identity documents can be used for the bank’s remote identification.
Foreign nationals residing in Italy are expressly required by the bank FAQ to have an Italian tax code (codice fiscale). Applicants may also prepare information about their place of residence and tax residence, as well as foreign tax identification details, to explain their circumstances during review; the latter is a preparation suggestion, not a published fixed list.
Have the original valid identification documents ready for in-person verification at the branch, along with clear, complete scanned copies. Confirm with the bank in advance its rules on translations, certified copies, acceptable proof of address, and validity periods. The official website does not publish document-format standards applicable to all applicants.
Description: The FAQ for Italian citizens residing abroad who are opening a new account directs them to book a branch appointment; the online process described cannot be assumed to apply to residents of other countries. The bank has not published rules allowing remote witnessing or notarization as substitutes for foreign identity documents.

Source:Intesa Sanpaolo — Apertura XME Conto FAQ

Company legal entity and evidence of control chain

Who it applies to: Preparation advice for applicants that are non-natural persons, such as Italian or foreign companies; it does not apply to personal accounts and does not mean that the bank has confirmed it accepts foreign companies.
Documents to Prepare: It is advisable to prepare a recent company registry extract, articles of association/formation documents, and registered-address details to establish the legal name, good-standing status, business activities, and governance arrangements. Ask the bank about the currency, certification, and translation format requirements for registry documents.
Prepare a shareholding structure chart tracing each level, listing natural persons’ direct and indirect shareholding percentages, the basis of control, and intermediate legal entities. Also prepare shareholder registers, shareholding records, or other documents supporting the chart.
It is advisable to prepare the board/member resolution authorizing the account opening, signatory authorization, and the representative’s identification, together with an explanation distinguishing the customer company, the person handling the application, and the ultimate controlling/beneficial natural persons.
Description: The above company documents are suggestions to help the bank verify information, not a complete or mandatory business account-opening checklist published by Intesa. Rules for identifying beneficial owners of Italian legal entities depend on the customer type. How documents under the home-country law of non-Italian legal entities may be substituted or certified must be confirmed case by case.

Source:Intesa Sanpaolo Group — Linee Guida per il contrasto ai fenomeni di riciclaggio, di finanziamento del terrorismo e per la gestione degli embarghi, 2024-11-26；Banca d’Italia — FAQ relative alla Titolarità Effettiva e Registro titolari effettivi

Business Purpose, Expected Transactions, and Funds Flow

Who it applies to: Individual and business applicants; particularly those planning cross-border payments, high-value transactions, or more complex transaction patterns; this is a suggestion for preparing supporting evidence.
Documents to Prepare: Prepare a one-page account-purpose statement specifying the main payers and payees, countries/currencies, frequency, amount ranges, and whether intra-group transactions are involved. Match the expected activity to the stated purpose of the account.
Prepare traceable documents for the actual source of funds, such as contracts, invoices, payroll or dividend records, asset sale/financing documents, and corresponding bank statements. A business may also provide recent financial statements, tax returns, or contracts with major customers/suppliers. Provide only relevant, traceable documents; do not assume the bank requires statements for a fixed number of months.
Prepare a brief timeline of the source of funds and source of wealth, explaining how the funds were accumulated, why they are controlled by the applicant, and how they will be transferred to the Italian account. If recent transactions will differ significantly from the historical pattern, include contracts, payment plans or business context.
Description: For enhanced due diligence, Intesa Group's AML guidelines state that information may be collected about the business activities, purpose of the relationship, source of funds, and financial circumstances of customers and beneficial owners. These are internal group control guidelines, not a list of documents required from every applicant.

Source:Intesa Sanpaolo Group — Linee Guida per il contrasto ai fenomeni di riciclaggio, di finanziamento del terrorismo e per la gestione degli embarghi, 2024-11-26；UIF — Ordinamento italiano in materia antiriciclaggio

Due diligence and enhanced verification

Beneficial owners, controllers and ownership chain

Basis for Verification: The Italian Central Bank’s interpretation of Article 20 of D.Lgs. 231/2007 states that joint-stock companies are first assessed by direct or indirect shareholding. Its FAQ states that a participation exceeding 25% of a company’s capital is a beneficial ownership criterion. For indirect ownership, the control chain must also be identified; where the ownership criterion does not clearly identify the beneficial owner, the control criterion may be applied, and if that still does not identify one, the residual criterion concerning legal representation, management, or governance powers applies. This threshold is not universal and must not be applied indiscriminately to other types of legal entity. The Italian Central Bank states that beneficial ownership register information is only a cross-checking tool and does not replace a bank’s own due diligence.
Preparation recommendation: Submit ownership percentages at each tier and registration evidence for intermediate entities. If no individual meets the ownership threshold, provide grounds for control such as voting agreements, appointment/removal rights, or governance provisions in the articles, and explain why another identification standard must be used. If the legal entity seeking to open an account is not in Italy, confirm with the bank which applicable law and format it uses.
Scope: Interpretation of local regulations (limited to the legal entities and legal relationships to which Italian law applies) plus general preparation advice; this is not a review template published by Intesa for customers.

Source:Banca d’Italia — FAQ relative alla Titolarità Effettiva e Registro titolari effettivi；UIF — Ordinamento italiano in materia antiriciclaggio

Source of Funds, Source of Wealth, and Purpose of the Relationship

Basis for Verification: The UIF explains that Italian due diligence includes identifying and verifying customers and beneficial owners, obtaining information on the purpose and nature of the relationship, and ongoing monitoring. Intesa Group AML guidelines further explain that, when enhanced due diligence is triggered by internal risk classification, information on the customer’s or beneficial owner’s business, assets and reputation may be collected, the purpose of the account may be established, and the source of funds and wealth may be verified; the level of scrutiny varies according to risk.
Preparation recommendation: Set out the chain of funds in verifiable steps: source event, date of accumulation, beneficial owner, payer, route and relationship to the account applicant; match major amounts to bank records, contracts, financial or tax documents. Explain shareholder loans, related-party payments, cash or third-party deposits separately and prepare corresponding evidence.
Scope: UIF concerns the local regulatory framework; the bank document is an Intesa Sanpaolo Group governance guideline effective 2024-11-26, and should not be treated as requiring enhanced review or a fixed document list for every customer.

PEP, sanctions and adverse information screening

Basis for Verification: Intesa Group's AML guidelines identify politically exposed persons (PEPs) and related persons as higher-risk cases and prescribe corresponding enhanced checks and internal authorization procedures. They also describe internal escalation and review of potential matches against financial sanctions and counter-terrorism lists. PEP status alone does not mean that a person is a sanctions target or that account opening will automatically be refused. The guidelines also state that not all high-risk customer categories may be rejected categorically; each case must still be assessed individually.
Preparation recommendation: If an applicant, beneficial owner or key controller holds or has held public office, it is advisable to proactively disclose the position, term, relationships and basis for the source of funds/wealth. If their name could resemble that of a listed person, prepare distinguishing information such as date of birth, nationality and document number. Do not conceal identity or attempt to evade screening.
Scope: The banking group’s publicly disclosed internal AML/CFT guidelines are not a customer screening result or a promise that a risk will be accepted. Actual list sources, handling of matches, and approval outcomes are not public.

Consistency of Cross-Border Business and Tax Residency Information

Basis for Verification: The Italian UIF explains that financial institutions verify relationships and transactions on an ongoing, risk-based basis. Intesa Group guidance states that business location, links to sanctioned/high-risk countries, unusual amounts, and transactions inconsistent with the customer’s economic and financial profile may trigger additional review. The public materials reviewed do not provide a uniform list of countries where foreign individuals or companies may open accounts, tax forms, or account eligibility scope.
Preparation recommendation: List the tax-residence jurisdiction and corresponding tax identification number. Explain any discrepancy between the place of incorporation, place of effective management, beneficiaries' place of residence and transaction countries, and prepare information verifying commercial substance, such as premises, personnel, customers/suppliers or contracts. Confirm the tax self-certification form and submission channel with the bank first.
Scope: The bank’s internal risk guidance and general preparation advice; this should not be used to infer tax filing obligations, cross-border eligibility, or the bank’s internal risk limits for any country.

Ongoing Compliance Requirements After Account Opening

Update customer, address, control and tax information promptly

Italy’s AML framework requires ongoing monitoring of relationships. Intesa Group guidance describes updating due diligence information according to risk level and lists changes in PEP status, beneficial ownership, or company shareholding structure as events that may trigger a review. The periodic intervals listed in the Group guidance are internal risk categories, not a fixed review schedule promised to individual customers. Account holders should inquire promptly when changes occur and update identity documents, address, directors/authorized persons, ownership chain, and tax residence information as requested by the bank.

Maintain consistency between transactions and account purpose

The banking group’s guidelines require ongoing checks that transactions are consistent with the declared purpose of the relationship and the customer’s economic/financial profile, with attention to significant, unusual, or unexpected transactions. Under enhanced review, the frequency of information updates and checks increases. It is advisable to retain contracts, invoices, payment instructions, counterparty information, and evidence of the source of funds, and to provide an explanation promptly when the transaction size, frequency, country, or business model changes. Public information does not require account holders to submit statements or supporting documents on a fixed schedule.

Bank requests for additional documents, risk reviews, and relationship maintenance

The statutory due diligence described by UIF includes ongoing monitoring. Intesa Group guidance explains that when existing information is doubtful/inconsistent, a specified risk event occurs or due diligence cannot be completed, the bank must assess whether to continue the relationship and may, where necessary, decline to establish or consider terminating the relationship. Customers should keep their contact details current and respond to requests for additional documents within the deadline set by the bank. Specific response deadlines, review frequency, and freezing or termination procedures are subject to account terms and case-specific notices; public sources do not provide a uniform deadline.

Please confirm with the bank before booking

For my intended applicant type (individual/business), nationality or place of incorporation, and place of residence, does Intesa Sanpaolo S.p.A. accept applications? Which product, account-opening branch, and appointment channel apply?
Are passports/company registration documents issued overseas accepted? Are original-document checks, apostille/consular legalization, Italian translations, or certified copies required, and are there validity requirements for the documents?
Which forms and evidence are specifically required for personal proof of address, tax-residence self-certification in each jurisdiction, and foreign tax numbers? Is remote identity verification supported, and if not, is an in-person visit to an Italian branch required?
What legal representative, authorized signatory, UBO/control-chain, and company registration documents must business applicants provide? What beneficial ownership declaration format applies to non-Italian legal entities?
Given my business and funds flows, what evidence of the purpose of the relationship, expected transactions, source of wealth, or source of funds for individual transactions would the bank like to see in advance? Do materials need to be sent before the appointment, and how can the security of the transmission channel be confirmed?
After opening an account, how should changes to the address, directors, UBOs, tax residency or business be reported? Through what channel will the bank notify you of requests for additional documents, and where can you find the response deadlines for individual cases and account-maintenance fees?

Not confirmed by public information

The bank’s stated personal FAQs cover only specific cases, including foreign citizens residing in Italy who hold an Italian tax code and Italian citizens living abroad; the countries, products and approval requirements for foreign non-resident individuals still need to be confirmed with the bank.
Public information does not confirm whether foreign-incorporated companies are accepted, nor does it provide a complete list of business account documents for all legal forms, requirements for authentication/translation of foreign company documents, or arrangements for remote witnessing.
Intesa's published group AML guidelines disclose internal risk tiers and review controls, but do not disclose customers' risk scores, the bank's internal risk appetite/limits, deadlines for supplementary documents in individual cases, or fixed review times. Internal review periods must not be presented as a commitment to customers.
Public materials do not establish the minimum opening deposit, total costs for overseas applicants, account limits, or fees specific to non-residents; refer to the bank’s written response and product information documents in effect at the time of signing.

Sources & Scope of Verification

Intesa Sanpaolo — Apertura XME Conto FAQ
The bank’s personal FAQ expressly states that new customers identify themselves online using an Italian electronic identity card, passport or driving licence, and, when required, an Italian health card. It states that foreign citizens residing in Italy must have an Italian tax code, and that Italian citizens residing abroad must open new accounts at a branch. It does not confirm whether foreign-issued identification documents are accepted or whether foreign non-residents generally qualify.
Intesa Sanpaolo Group — Linee Guida per il contrasto ai fenomeni di riciclaggio, di finanziamento del terrorismo e per la gestione degli embarghi, 2024-11-26
An AML/CFT/sanctions governance guideline issued by the bank for the Intesa Sanpaolo Group. It discloses a risk-based approach to customer identification and verification, the purpose of the relationship, risk controls for remote identification, source-of-funds/wealth documents for enhanced due diligence, PEP/sanctions escalation, risk categorization, and event-triggered updates; it is not a complete external document checklist or eligibility commitment for individual/business customers.
Banca d’Italia — FAQ relative alla Titolarità Effettiva e Registro titolari effettivi
The Italian Central Bank’s interpretation of the beneficial-owner criteria in Article 20 of D.Lgs. 231/2007, including the shareholding criteria for joint-stock companies, indirect ownership through a control chain, the control and residual criteria, and the fact that checking the beneficial ownership register cannot replace a financial institution’s own due diligence; the rules must be applied according to the type of legal entity.
UIF — Ordinamento italiano in materia antiriciclaggio
The Italian AML authority UIF’s explanation of the risk-based framework under D.Lgs. 231/2007: customer and beneficial-owner identification and identity verification, understanding the purpose and nature of relationships, ongoing monitoring, recordkeeping, and suspicious transaction reporting. This is the local statutory baseline, not a bank-specific, itemized customer document list.

Fees and timelines

The personal XME Conto Silver product page lists a monthly fee of 5.90 euros; if the salary or pension deposit conditions stated on the page are met, the account’s monthly fee is reduced to 2.90 euros. These are prices shown for this product and do not represent prices for all accounts, customers, or additional services; refer to the information sheet at the time of signing. A specific promotion on the business BusinessInsieme page lists a base monthly fee of 30 euros for BusinessInsieme Illimitato, with no monthly fee for the first 2 years for eligible customers, and requires new-business eligibility and account opening by 2026-10-31. The promotion and contract terms are subject to the bank’s disclosures at the time of signing. The official website does not publish an account-review timeframe for overseas applicants, total account-opening costs, minimum deposit, or transfer limits; no estimates are provided.

Limitations and practical considerations

The documents listed on the XME online identity verification page are an Italian electronic identity card, passport, driving licence and, where required, an Italian health card; remote acceptance of foreign-issued documents has not been confirmed.
The bank’s FAQ explicitly states only that foreign citizens residing in Italy and holding an Italian tax code may apply through the listed channels; for Italian citizens residing abroad, it explicitly states that new accounts must be opened at a branch. Whether other foreign non-residents are accepted, and which products and locations are available, must be confirmed with the bank.
The Partita IVA, turnover and promotional end date shown on the BusinessInsieme webpage apply only to the promotion described on that page and cannot be used to infer general account eligibility for foreign companies. Account sales and related services remain subject to the bank's assessment and approval.
Account opening and the ongoing relationship must comply with Italian KYC/AML, beneficial ownership identification, tax reporting, and applicable sanctions rules. Do not conceal controllers, tax residence, or the source of funds.
This is research based on public information, not an account-opening channel currently available for booking, submission, or guaranteed approval through Rengangyongsheng (Hong Kong) Limited.

Licensing evidence and regulatory verification

An entity-level regulatory directory record has been verified: item 75 in the ECB Banking Supervision “List of supervised entities” (2026 year 4 month edition) lists “Intesa Sanpaolo S.p.A.,” classified as CI (Credit Institution), country Italy, and gives LEI 2W8N8UU78PMDQKZENC08. This entry proves its inclusion in the ECB’s public register of supervised credit institutions. No Italian domestic registration number has been fabricated on the basis of this material, and the ECB directory entry has not been misrepresented as an entry in Banca d’Italia’s domestic register. Banca d’Italia’s public supervisory register landing page states that it provides records such as institution names, registration/deregistration dates, and business activities, but the current domestic entry and number for this legal entity remain to be confirmed individually in its dynamic search.

European Central Bank (ECB, direct supervision of significant institutions in the Banking Union); Banca d’Italia (the authority responsible for domestic banking supervisory registration in Italy) Official registration or record

Information sources

Intesa Sanpaolo — Apri online XME Conto Silver
Personal XME Conto Silver product features, online application via the app, monthly fee of 5.90 euros as shown on the page, and price of 2.90 euros after salary/pension deposits. The page also states that the discount is subject to the official product information document.
Intesa Sanpaolo — Apertura XME Conto FAQ
Applications by consumers aged 18 or older, online channel, list of Italian identity documents, requirement for foreign residents to have an Italian tax number, application restrictions for Italian citizens residing abroad, and publicly available rules for joint accounts.
Intesa Sanpaolo — Come aprire un conto corrente online
General personal online account-opening documents described by the bank (valid identification and Italian tax code/health card) and its My Key remote service. This general information does not replace the acceptance policy for applications from specific non-residents.
Intesa Sanpaolo — Conto BusinessInsieme
Public information about business accounts, the target customers for the BusinessInsieme Illimitato promotion (Partita IVA opened less than 24 months ago, turnover not exceeding 2,500,000 euros, and account opened before 2026-10-31), and a notice that bank approval is required.
ECB Banking Supervision — List of supervised entities, April 2026
The 2026 / 4 ECB public register at entity level lists Intesa Sanpaolo S.p.A. at entry 75, classified as CI, country Italy, LEI 2W8N8UU78PMDQKZENC08; this supports its status as an ECB-supervised credit institution, but does not replace verification of its entry in Banca d’Italia’s domestic register or its authorization number.
Banca d’Italia — Supervisory registers and lists
The scope of the Bank of Italy’s regulatory register search, the institution names, registration numbers, addresses, registration and cancellation dates included in the public register, and the ability to search historical records; the dynamic search page itself does not display the domestic registration entry for Intesa verified in this check.
European Banking Authority — Credit institutions register
The EBA register is based on information supplied by national competent authorities, but the EBA expressly states that the register has no legal effect and confers no rights. National supervisory registers may be more up to date or detailed and should therefore be prioritised when checking current authorisation status.
Agenzia delle Entrate — Tax identification number for foreign citizens
The Italian Revenue Agency explains that non-resident individuals may apply for an Italian tax identification number through the Italian consular office in their country of residence, and lists the competent application channels and evidence requirements for foreign nationals applying in Italy.
Agenzia delle Entrate — Consultazione documenti FATCA
The Italian Revenue Agency explains that the US–Italy FATCA intergovernmental agreement has been in operation since 2014-07-01 and sets out the circumstances in which automatic exchange of financial account information applies.
UIF — Ordinamento italiano in materia antiriciclaggio
Italy’s AML legal framework, risk-based due diligence, customer and UBO identification, purpose and nature of relationships, ongoing monitoring, recordkeeping, suspicious transaction reporting, and the baseline measures concerning terrorist financing under D.Lgs. 109/2007.
Agenzia delle Entrate — Scambio Automatico Finanziario Internazionale CRS DAC2
Official guidance that Italian financial institutions report information on reportable financial accounts to the tax authorities each year under national implementing rules and CRS/DAC2.
FITD — Fondo Interbancario di Tutela dei Depositi
FITD’s published explanation of the general deposit protection limit of up to 100,000 euros per depositor, per bank, and of the coverage scope and triggering conditions; it does not establish separately that any specific account qualifies for compensation.

Verification

Research verification

Most recently verified: 2026-10-26
Status: Some information is pending confirmation: Intesa Sanpaolo S.p.A.’s entity entry has been verified in the ECB 2026-4 list of supervised entities, and the bank’s specific personal/business products and application conditions, as well as official Italian tax authority and UIF/FITD rules, have been reviewed. The entity’s current registration entry and number in the Bank of Italy’s dynamic domestic register, eligibility for foreign nonresident individuals/foreign-incorporated companies, complete account-opening documents, proof of address, remote verification of overseas identities, and nonresident approval process have not been publicly verified.
Author: Drew

Appointment

First, find out whether this is suitable for your circumstances

To inquire about service fees, please contact Mr. Tang at Rengangyongsheng. An appointment is only for discussing document preparation and possible approaches; it does not mean the bank has accepted or approved an application.

Book a consultation with Drew

View the Compliance & Supporting-Documents Checklist Back to Overseas Bank Guides