Codice Fiscale to Open a Bank Account in Italy as a Non-Resident

Want an Italian bank account but don't live in Italy? The first thing every bank will ask for is your codice fiscale. This guide explains why, which documents banks typically request, what to expect as a non-resident, and the online alternatives. If you still need the code, Fiscalino can get your codice fiscale from abroad.

Why banks need your codice fiscale

Italian banks require a codice fiscale to open an account. Without it you can't open one, so getting it is the first step. Also note that a bank account itself doesn't replace the code: you'll keep using your codice fiscale for contracts, property and other dealings in Italy.

Documents banks typically ask for

• ID card or passport;
• codice fiscale;
• proof of address;
• for some accounts, proof of income.

Requirements differ between banks and account types, so ask your bank for its exact list before your appointment. For the documents needed to get the codice fiscale itself, see our documents checklist for non-residents.

Can non-residents open an account?

Many traditional Italian banks require residency to open an account. However, some banks offer accounts for non-residents, for example BPER, Intesa Sanpaolo, UniCredit and Fineco. Conditions change, so always check the current conditions directly with the bank before you plan your visit.

You usually need to go in person

Non-residents usually must open the account in person at a branch. Plan this into your trip to Italy and book an appointment in advance.

Expect some limits

Non-resident accounts may have limited services: for example, you might not get a credit card or access to loans. Ask the bank which services are included with the account you're opening.

Online banks as an alternative

Online banks can be an alternative to a traditional Italian bank, but be aware that not all of them provide an Italian IBAN. Two examples:

• Revolut has offered Italian IBANs since late 2024.
• Wise provides a European IBAN.

Whether a non-Italian IBAN is enough depends on what you need the account for, so check with whoever you need to pay or be paid by. As always, check current conditions with the provider.

Bank accounts and buying property

A bank account is also useful when buying property in Italy, for example for mortgages and payments connected to the house. If that's your plan, read our guide on the codice fiscale to buy a house in Italy from abroad.

The right order of steps

1. Get your codice fiscale first. Apply through the consulate, in person in Italy, via a delegate, or online with Fiscalino.
2. Choose a bank that offers accounts to non-residents and check its current conditions.
3. Collect your documents: ID or passport, codice fiscale, proof of address and, if required, proof of income.
4. Book the bank appointment at a branch.
5. Open the account in person and confirm which services are included.

Getting the codice fiscale before your trip

Since the bank appointment is usually in person, it makes sense to have your codice fiscale before you travel, so the trip isn't wasted. You can compare your options in Consulate vs. online service and how to get a codice fiscale from abroad.

With Fiscalino you fill in a 5-minute online form, upload your passport, pay €89 online and sign the delegation form we send you. We email you the official certificate (PDF) within 15 working days, with a full refund if we can't obtain it.

This guide is general information, not legal or tax advice. Rules can change - check with the competent consulate or Agenzia delle Entrate.

Frequently asked questions