Banka Intesa Sanpaolo d.d.

Banka Intesa Sanpaolo d.d. is a subsidiary of Intesa Sanpaolo S.p.A., providing retail, SME, and corporate banking in its local market. Its product set covers current and savings accounts, term deposits, debit and credit cards (commonly Visa and Mastercard), consumer loans, mortgages, overdrafts, and business services such as working capital and investment loans, guarantees, trade finance, and cash management. Access is via branches, ATMs, online banking, and a mobile app offering standard functions including domestic transfers, SEPA payments where applicable, standing orders, bill payments, card controls, and biometric login; corporate users typically get dedicated e-banking with file imports/exports and multi-level approvals. Cross-border transfers are processed through SWIFT and, where relevant, SEPA; foreign currency accounts and exchange services are available, with costs set by published tariffs covering account packages, card issuance and maintenance, ATM usage, transfers, and FX markups. Loan pricing generally references local benchmarks (for example, Euribor) plus a margin, with variable or fixed-rate options depending on product; early repayment terms, collateral, and insurance requirements follow local regulation and contract conditions. The bank operates under the domestic banking supervisor and participates in the statutory deposit guarantee scheme up to the legal limit; security measures include two-factor authentication and 3‑D Secure for cards, and PSD2/open banking interfaces are supported where the framework applies. Account opening requires identification and residence or corporate documentation as relevant; non-resident access depends on jurisdiction. Customer support is provided through branches, contact centers, and digital channels. Prospective clients should review the tariff schedule and terms for international transfers, out-of-network ATM withdrawals, card foreign transaction fees, dormancy charges, and currency conversion, as these materially influence total costs.