Banche a Roma e nel Lazio: guide 2026 su mutui, conti, risparmi e investimenti

SEPA and instant payments in Italy: timelines, fees and complaints (2026 update)

23 April 2026 by admin

Ministero dell'Economia e delle Finanze a Roma — contesto istituzionale dei pagamenti

SEPA credit transfers in euro remain the default way to move money between accounts in Italy and the wider euro area. Instant payments are now widely available 24/7. Here is an operational overview of differences, typical limits and complaint routes, with pointers to regulatory sources.

Bank account in Rome for cross-border workers: what to verify at the branch (2026)

22 April 2026 by admin

Palazzo Mezzanotte a Milano, sede di Borsa Italiana — contesto economico e pagamenti

Many people live in Rome but earn in Switzerland or other non-EU countries and need to manage recurring transfers, fees and anti-money-laundering paperwork. This checklist covers what to ask your bank—without replacing personalised tax advice.

Deposit insurance above €100,000: three practical steps (without chasing yield)

21 April 2026 by admin

Palazzo Mezzanotte a Milano, sede di Borsa Italiana — contesto dei mercati e della liquidità

Italy’s interbank deposit guarantee fund (FITD) covers eligible deposits up to €100,000 per depositor per bank. If your cash exceeds that ceiling, the priority is usually counterparty diversification—not squeezing an extra 0.1%. Here are three simple moves, with reference to the EU/Italian framework at a high level.

Mortgages for households: how to read Bank of Italy data in spring 2026

20 April 2026 by admin

Salvadanai in ceramica, metafora del bilancio familiare e del mutuo

Bank of Italy statistics on loans and deposits help explain the average trajectory of household mortgages in Italy before you compare offers in Rome or elsewhere. This guide shows what to look for in the “Banks and money” releases and how to avoid confusing system-wide averages with the rate you personally will be offered.

ECB and the 30 April 2026 meeting: what savers and mortgage holders should actually watch

19 April 2026 by admin

Ministero dell'Economia e delle Finanze a Roma, contesto delle politiche economiche e monetarie per i risparmiatori

On 19 March 2026 the ECB Governing Council left its three key rates unchanged, with the deposit facility rate at 2.00%. The next meeting is on 30 April 2026: how this framework relates to deposit accounts, variable-rate mortgages and bond yields — without treating market commentary as fact.

ETF Investment Plan 2026: how to start a DCA plan from 50 € per month (complete guide)

18 April 2026 by admin

Palazzo Mezzanotte in Piazza Affari a Milano, sede di Borsa Italiana

In 2026 an ETF investment plan can start from 1 euro per month on Trade Republic or Scalable. Complete guide: index selection, physical or synthetic replication, accumulation vs distribution, comparison of Italian platforms, 26% taxation and realistic 10- and 20-year simulations.

BTP Valore March 2026 and BTP Più: coupons, net yield, taxation and comparison with deposit accounts

18 April 2026 by admin

Ministero dell'Economia e delle Finanze a Roma, emittente del BTP Valore

The BTP Valore March 2026 (ISIN IT0005638968, maturity 10 October 2032) pays quarterly step-up coupons of 2.60/3.20/3.80% with a 0.8% loyalty bonus and an effective annual net yield of 2.92-2.96%. Full analysis with a deposit account comparison and a BTP Più overview.

Savings accounts 2026: real yields, taxation and how to choose after the ECB rate cut

18 April 2026 by admin

Salvadanai in ceramica, immagine simbolica del risparmio su un conto deposito

The ECB rate cut brought the deposit rate down to 2% and Italian savings accounts now offer gross yields between 1.5% and 2.8% on 12-month time-locked products. Between the 26% substitute tax, the 0.20% stamp duty and FITD protection, understanding the effective net yield is what separates beating inflation from quietly losing purchasing power.

Mortgages in Rome: complete 2026 guide for home buyers

18 April 2026 by admin

Why a guide to mortgages in Rome in 2026 Buying a home in Rome means dealing with a complex residential market, appraisal and urban planning times that are sometimes long, and a banking credit perimeter attentive to the borrower’s merit. This guide covers the topics most often encountered by families and young buyers: from rate … Read more

Trade Republic Checking Account

18 April 2026 by renzo

Trade Republic: the checking account that combines savings and investment The Trade Republic checking account integrates traditional banking features with immediate access to the world of investments.Here are some features Interest on deposited liquidity One of the biggest advantages of the Trade Republic account is the remuneration of liquidity, directly aligned with ECB rates.As of … Read more

Findomestic Savings Account

18 April 2026 by admin

Findomestic (a company of the BNP Paribas group) is known to most for the loans it provides; however, for some time it has offered other interesting services, such as the savings account.

Currently the Findomestic savings account is among the most

100% Mortgages in Rome: updated 2026 guide

18 April 2026 by admin

Some banks, thanks to the “First Home Mortgage Guarantee Fund”, have resumed granting so-called 100% mortgages. For many young people these mortgages represent the only way to buy a home. It should be noted, however, that the high LTV (Loan To Value = Ratio between the Mortgage amount and the property Value) always entails (much) higher interest than mortgages with a lower percentage (below 80%).

One of the banks that grants 100% mortgages is