WISE DIALOG BANK S.P.A.

WISE DIALOG BANK S.P.A., marketed as Widiba, is an Italian direct bank that operates primarily through web and mobile channels and offers retail banking, payments, investments, and ancillary services under Italian regulation. It provides current accounts with an Italian IBAN, SEPA transfers (including instant where available), direct debits, bill payments such as PagoPA and F24, and a debit card on domestic and international circuits; prepaid and credit cards may be available via partner issuers. Deposit options typically include sight and term deposits, while investment services cover trading in equities, ETFs, funds, bonds, and government securities, with custody and brokerage provided under CONSOB oversight and a published fee schedule. Access and onboarding are digital, with identity verification via video or SPID, and security aligned to PSD2 strong customer authentication, including one-time passwords and biometric options in the app. The bank supports common mobile wallets and ATM cash withdrawals; cash and over-the-counter services are otherwise limited due to the absence of a traditional branch network. Mortgages and personal loans are offered directly or through partners, subject to underwriting and documentation. Pricing is structured by account plans and service-specific charges, with typical items including monthly maintenance fees, card fees, instant transfer fees, FX markups on non-euro transactions, and tiered trading commissions; full conditions are detailed in the Foglio Informativo and can change. Customer service is available via phone, chat, and email, and the bank also uses a network of tied financial advisors for investment and savings services. Deposits are protected up to €100,000 per depositor under the Fondo Interbancario di Tutela dei Depositi, and eligibility is generally limited to customers who pass Italian KYC/AML checks and reside in permitted jurisdictions. Prospective customers should review the latest terms, fees, and product availability on the bank’s official channels before opening an account or subscribing to investment services.