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Widiba review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Widiba is an Italian bank whose fixed rate saving charges a monthly fee of €0 and holds deposits under EU DGS up to EUR 100,000. It suits savers who can leave money for 3 to 12, and current account holders who want a credit line or a personal loan at 10.42%.

Key facts

Best for
Italian savers after a fixed rate with a monthly fee of €0, plus joint account holders.
Monthly fee
€0↗
Card type
Debit↗
Card network
Mastercard↗
Legal entity
Banca Widiba S.p.A.↗
Headquarters
Italy↗
Founded
2013↗
Support channels
Phone, Email, Chat, Help-centre↗
Features
Credit line, Same-day funding
Official website
widiba.it

Loans

APR
10.42%↗
Loan amount
€1,000 to €40,000↗
Term
3 to 12 months↗
Arrangement fee
0.00 EUR↗
Funding time
My Instant Credit rateisation requests can be immediate in most cases and the amount is credited straight to the Widiba account↗
Representative example
Personal Loan Findomestic: total credit EUR 10,000 repayable in 84 instalments of EUR 165.80, fixed TAN 9.95%, TAEG 10.42%, total amount due EUR 13,927.20↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Adults resident in Italy; My Instant Credit is for Widiba current account holders with a permanent contract, income and no overdrafts, with the account open 2 years plus or 2 salary credits in the last 3 months↗
Origination fee (%)
0%↗
Loan types
Personal, Credit-line, Debt-consolidation↗
Use cases
Home-improvement↗
Pricing model
No monthly fee, Fixed rate

Savings

Headline rate
0.5% to 1.5%↗
Minimum deposit
€1,000↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
3, 6 or 12 month lock-in; total or partial early release allowed↗
Account kind
Fixed↗

Mortgages

Initial rate
3.48%↗
APRC
3.66%↗
Fixed period
20 years↗
Maximum loan to value
80%↗
Product fee
€0↗
Purpose
Purchase, Remortgage, First-time-buyer↗

Credit cards

Annual fee
€20↗
Rewards type
None↗
Card kind
Credit↗

Robo-advisors

Minimum investment
€5,000↗
Account types
Joint↗
Portfolio types
ETF, ESG↗

Facts checked September 26, 2026, 13 sources

Apps and profiles

Get the app
App Store
Elsewhere
Wikidata

Pros and cons

Pros

  • Savings pay a fixed rate of 0.5% to 1.5% with a monthly fee of €0, while the site median is 3%
  • Deposits sit under the EU deposit guarantee, with cover of EU DGS up to EUR 100,000
  • My Instant Credit offers a credit line with same day funding (credit line and same day funding), credited straight to the Widiba account
  • The personal loan arrangement fee is 0.00 EUR and early repayment is free

Cons

  • The saving locks money in for 3 to 12, and the fixed rate holds for that period
  • Personal loan borrowing costs 10.42%, and the site median is 15.5%
  • Loan to value on the fixed rate mortgage reaches 80%, while the site median is 90%
Widiba

Ready to try Widiba?

Scored 9.2 / 10 by SumCue.

See alternatives

Who it suits

  • Adults resident in Italy who can leave savings for 3 to 12 and want a known rate
  • Couples wanting a joint account, since joint covers joint holding
  • Existing Widiba current account holders with a permanent contract who want a credit line drawn in most cases the same day

Who should look elsewhere

  • Savers who need instant access to cash, since the saving runs for 3 to 12 and pays 0.5% to 1.5%
  • Borrowers wanting a larger advance than €1,000 to €40,000
  • Homebuyers needing a higher loan to value, since the fixed rate mortgage reaches 80%

How Widiba compares

Where Widiba is available

Available
Italy

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

What does the Widiba saving pay and what does it cost?+

The saving pays a fixed rate of 0.5% to 1.5% and lists a monthly fee of €0, with a minimum deposit of €1,000. The model is no monthly fee and fixed rate (no monthly fee and fixed rate), and the rate type is fixed, so the headline rate holds for the whole term.

How long do I have to leave the money in the saving?+

You choose a lock-in of 3 to 12, and total or partial early release is allowed if you need the money sooner. The site median term across this category is 36, so a longer commitment here is well above what most savers take on.

Is my money protected if the bank fails?+

Deposits sit under the EU deposit guarantee, with cover of EU DGS up to EUR 100,000. The account is held with Banca Widiba S.p.A., so protection rests on that single named bank rather than a wider group. Joint accounts, listed under joint, sit under the same scheme.

What card comes with the account?+

The account comes with a debit card on the mastercard network, and Widiba also issues credit cards. The rewards type on the payment cards is none, so spending earns no points or cashback. Support runs on phone, email and chat, including phone, email, chat and a help centre.

How much would a personal loan cost?+

Personal loans run at an APR of 10.42% with an arrangement fee of 0.00 EUR, and early repayment is free, so settling early costs nothing extra. The site median APR here is 15.5%, and loans cover personal, credit line and debt consolidation purposes (personal, credit line and debt consolidation).

Can I get a mortgage through Widiba?+

The fixed rate mortgage has an initial rate of 3.48% and an APRC of 3.66%, fixed for 20. Loan to value reaches 80% and the product fee is €0. It is offered for purchase, remortgage and first time buyer, so purchases, remortgages and first time buying are covered.

Is there a managed investment option?+

Yes, portfolio management starts at €5,000, with ETF and ESG portfolios available (etf and esg). The bank operates from IT and was founded in 2013. The site median share of retail accounts that lose money is 70.15%, a reminder that these products are not deposits.

How fast can I get money against my income?+

My Instant Credit is a credit line with same day funding (credit line and same day funding) that can be immediate in most cases, with the amount credited straight to the Widiba account. It is for current account holders with a permanent contract and income, with the account open long enough or recent salary credits. Home improvement is the listed use case (home improvement).

Sources

Compiled from 13 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Widiba

Widiba

Italian savers after a fixed rate with a monthly fee of €0, plus joint account holders.

9.2/10See alternatives