CHEBANCA! S.P.A.

CheBanca! S.p.A. is an Italian retail bank launched in 2008 as part of the Mediobanca Group, operating through a multichannel model that combines online and mobile banking with a nationwide network of branches and financial advisors. It offers current accounts, savings and term deposits, payment cards, domestic and international transfers (including SEPA), mortgages and other lending products, and access to investment and insurance solutions distributed under Italian MiFID II rules. Accounts are euro-denominated with Italian IBANs, and payment functionality typically covers standing orders, direct debits, ATM withdrawals, and card payments; compatibility with digital wallets depends on the specific card. Deposits are protected up to €100,000 per depositor by the Fondo Interbancario di Tutela dei Depositi, while investment services fall under oversight consistent with Bank of Italy and CONSOB regulation, including risk profiling, cost disclosure, and provision of KIDs where applicable. Fees, interest rates, and mortgage conditions are set by the bank’s published schedule and can change; early withdrawal conditions on time deposits and early repayment terms on loans follow contractual and legal provisions. Statutory Italian taxes apply (including withholding on interest and stamp duties where due). Security controls reflect PSD2 strong customer authentication, with two-factor and biometric options and transaction alerts. Customer support is available via digital channels, phone, and branches, with a formal complaints process and access to the Banking and Financial Ombudsman (ABF). As part of group strategy, CheBanca! has been integrated into Mediobanca’s broader premier/affluent offering, with branding and product naming evolving while the legal entity remains CheBanca! S.p.A.; eligibility, documentation requirements, and service availability are subject to Italian KYC/AML rules and may be limited for non-residents.