ALTO ADIGE BANCA S.P.A.

ALTO ADIGE BANCA S.P.A. is an Italian joint‑stock bank based in the Province of Bolzano (Trentino‑Alto Adige/Südtirol) operating under the supervision of the European Central Bank and Banca d’Italia and participating in the Fondo Interbancario di Tutela dei Depositi, which guarantees eligible deposits up to EUR 100,000 per depositor per bank. The institution focuses on retail and small‑business services, including current accounts, domestic and SEPA payments, cards on the PagoBANCOMAT and international circuits, savings and fixed‑term deposit products, and standard lending lines such as mortgages and consumer or SME credit. Onboarding is typically available in branch and, subject to KYC/AML checks, through remote channels; eligibility commonly requires an Italian tax code and valid ID, and non‑resident access can be restricted. Accounts use Italian IBANs (IT) and support SEPA transfers; international transfers via SWIFT are generally available according to the bank’s fee schedule. Pricing follows published transparency documents; current accounts in Italy may carry maintenance and payment‑service fees, ATM withdrawal charges outside the domestic network, and foreign‑exchange markups; deposit products specify minimum terms, accrual conventions, and early‑redemption rules (fixed terms are usually non‑redeemable or penalized). Statutory taxes apply: interest is subject to 26% withholding, stamp duty on deposit balances is 0.20% annually, and current accounts for individuals incur EUR 34.20 yearly stamp duty if the average balance exceeds EUR 5,000 (different thresholds apply to businesses). The bank operates a small regional branch footprint; customers outside the area rely on digital channels, with documentation primarily in Italian and additional language support varying by channel in the bilingual province. Financial statements and regulatory disclosures are published annually; the bank is not a listed issuer. As with any Italian bank, amounts above the guarantee limit remain exposed to issuer risk and the EU resolution framework; prospective clients should review the latest public reports, product sheets, and fee schedules before onboarding.