Authority and scope
Sections ↑Registers and permission checks
Sections ↑Public register information
| Field / record | Purpose |
|---|---|
| Institution identity | Registered denomination and identifier; match the contractual company rather than just a brandSource 1 |
| Addresses and dates | Registered/administrative offices, registration and cancellation dates, including historical searchesSource 1 |
| Activities and branches | Inspect the permitted activity and relevant branch instead of treating every group company as interchangeableSource 1 |
| ECB named listing | Corroborates the institution and its direct or indirect European supervisory classification as of the stated cut-offSource 4 |
Check the exact legal entity, permissions, current status and scope in the official record. A brand connection in our coverage does not establish authorisation.
Client assets and protection boundaries
Sections ↑In a bank failure, first identify what the customer owns: a repayment claim on the bank, securities held in custody, or an investment issued by the bank itself. Deposit protection, the return of client property and the treatment of the bank’s creditors answer different questions. Banca d’Italia’s bail-in guidance explains why an account statement can contain positions with different legal treatment.[8]
Complaints and dispute resolution
Sections ↑The recipient depends on the service that caused the dispute. A bank can provide both ordinary banking and investment services, so the bank’s name alone does not determine which ombudsman is competent.[6]
Banking and investment disputes
| Topic | Published position and meaning |
|---|---|
| ABF | The Banking and Financial Ombudsman covers eligible banking and financial-service disputes, including accounts, loans and payment services.Source 5Source 6 |
| ACF | Investment-service disputes belong to the Securities and Financial Ombudsman where its eligibility rules are met. It offers a free alternative to court.Source 6 |
| Supervisory complaint | An esposto alerts Banca d’Italia to a supervisory concern; it is separate from requesting an ombudsman decision or pursuing court remedies.Source 2 |
Reporting misconduct and enforcement
Sections ↑Supervisory complaint process
| Question | Published position |
|---|---|
| Online submission | Since 13 April 2026 the citizen-services portal is the sole telematic channel for an espostoSource 2 |
| Cost and representation | Submission is free and does not require a lawyer; access is available without SPID or CIESource 2 |
| Possible action | The authority can forward the matter to the intermediary, invite a response and use the information in supervisionSource 2 |
| Limit | An esposto does not make the authority decide a private contractual dispute or compel a bank to lendSource 2 |
A bank-register entry and a dispute-resolution decision serve different purposes. Use the appropriate customer dispute scheme for an eligible individual claim, and read a supervisory complaint as information for oversight rather than an automatic compensation application.[2]
Compensation and firm failure
Sections ↑Deposits and securities are different claims
| Topic | Published position and meaning |
|---|---|
| Eligible bank deposits | The ordinary deposit-guarantee limit is €100,000 per depositor per bank. Separate accounts with the same bank are aggregated.Source 7 |
| Joint accounts | The guarantee applies to each holder’s allocated share, combined with that holder’s other deposits at the same bank.Source 7 |
| Custodied securities | Securities held for a customer and debt issued by the bank are legally different. The latter can expose the holder to the issuing bank’s losses.Source 8 |
| Scope | A bank share, bank bond or investment fund must not be described as a protected deposit merely because it was purchased through a bank.Source 8 |
Contacts & official resources
Sections ↑Use the authority’s official website for current official routes. Purpose-specific resources have not yet been established in this profile.
Sources & further reading
- Supervisory registers and public search scope Banca d’Italia · Accessed 11 Oct 2026
- Submitting a supervisory complaint; online route from 13 April 2026 Banca d’Italia · Accessed 11 Oct 2026
- Authorisation of banks and investment services CONSOB · Accessed 11 Oct 2026
- European banking supervision: named supervised entities, 1 July 2026 cut-off European Central Bank · Accessed 11 Oct 2026
- Banking and Financial Ombudsman ABF · Accessed 15 Oct 2026
- Securities and Financial Ombudsman: ACF versus ABF Banca d’Italia · Accessed 15 Oct 2026
- Deposit protection in five questions Banca d’Italia · Accessed 15 Oct 2026
- Bail-in: what it covers and excludes Banca d’Italia · Accessed 15 Oct 2026
A documented resource is not a finding of eligibility or compensation coverage. Consult the named body and current official terms for your firm, product and circumstances.
Report an error or submit an update
Covered broker profiles
Profiles connected to this authority in our coverage. This is not a complete official register or a list of approved brokers; see each entity’s dated status.
Directa SIM
A detailed Italian profile of Directa’s direct and indirect accounts, zero administration charges, Simple/Dynamic/Variable commissions, foreign markets, CFD pricing, platforms, bank-transfer timing, asset protection, support and Italian supervision.
- Operating status
- Active
- Headquarters
- Turin, Italy
- Sources checked
- 16 Oct 2026
Fineco
Italian FinecoBank account choices and current fee waivers; securities, CFDs, options and crypto-linked products; Replay, Multicurrency, CashPark, advice, pensions, lending, transfers and client protection.
- Operating status
- Active
- Headquarters
- Milan and Reggio Emilia, Italy
- Sources checked
- 11 Oct 2026