IBL Banca

Name

IBL Banca

Legal name

IBL Banca S.p.A.

Website

https://iblbanca.it

Company type

Private

Founded year

1927

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Personal Credit Institutions (6141)

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Retail banking services
• Salary-backed loans
• Consumer credit
• Insurance distribution
• Merchant payment services

Headquarters

HQ city

Roma

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Interest Income: Traditional banking interest margin from lending products including personal loans, Cessione del Quinto (salary-backed loans), mortgage lending, and credit card balances. Deposits (time deposits, current accounts) generate interest expenses while loans generate interest income.
2. Fee Income: Commission income from various fee-generating services including POS transaction fees (merchant services), current account maintenance fees (after promotional periods), credit card fees, and trading/investment service fees.
3. Insurance Distribution: IBL Banca acts as insurance intermediary through IBL Assicura, distributing auto, home, life, accident, and pension products from partners including Allianz, ConTe, Net Insurance, Prima Assicurazioni, and Zurich. Earns commissions on insurance policies sold.
4. Consumer Finance Referrals: IBL Banca acts as intermediary for Creditis Servizi Finanziari S.p.A., a group company specializing in consumer credit. Earns referral fees for directing loan applications to Creditis.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

IBL Banca is an Italian retail and business banking group providing current accounts, time deposits, debit/credit/prepaid cards, personal and salary-backed loans (Cessione del Quinto), securities trading, POS terminal services for merchants, and insurance distribution through its IBL Assicura subsidiary and partners such as Allianz and Zurich. Products are delivered through a hybrid of physical branch advisory and digital channels (App IBL E-Bank Mobile and Internet Banking).

Product overview

IBL Banca is an Italian retail and business banking group offering a unified multi-product financial services platform organized into five core pillars: (1) ControCorrente current accounts and savings (Time Deposit, Conto Titoli/Trading Online, Deposito Libero 31, Mi Fido overdraft), (2) Cards (debit, prepaid, and credit cards in Classic, Prestige, Business, and Business Gold tiers issued via Nexi on Mastercard), (3) Loans (Cessione del Quinto for employees and pensioners, Prestito con Delega/Doppio Quinto, Prestito Personale, SALDARATE consolidation, and TFSubito TFS advance), (4) Digital Banking (APP IBL E-Bank Mobile with IBL Pass Code OTP token, Internet Banking with Plick, Bancomat Pay, Telepass), and (5) Insurance (auto/moto, CasaSicura home, AssicuraVita life, InfortuNo accident, TraffiGo mobility, and pension funds), plus a POS terminal service for merchants via Worldline. The group also operates a loyalty program (IBL Club) and provides referral rewards. The IBL Club loyalty platform ties together account usage rewards, gift cards, and promotional campaigns, while the IBL E-Bank Mobile app serves as the primary digital channel for all account management. The product portfolio spans individuals, families, businesses, and self-employed professionals.

Differentiator

Problem solved

Functional benefit

Brands

• ControCorrente: Current account product for private individuals with digital banking services, promoted as the main consumer banking account offering.
• TFSubito
• SALDARATE IBL
• RataBassotta
• CasaSicura
• InfortuNo
• TraffiGo
• AssicuraVita

Products and services

• ControCorrente Current Account Full-service current account for individuals with digital banking capabilities, zero-fee packages (Semplice, Semplice Plus) tied to salary or pension credit, international debit card, and loyalty rewards through the IBL Club program.
• Time Deposit IBL Term deposits with guaranteed returns up to 3.50% gross on 48-month terms, with optional early-withdrawal (svincolabile) versions and quarterly or at-maturity interest payment options.
• Conto Titoli / Trading Online Securities custody account enabling investment in government bonds, corporate bonds, and equities on European markets, with Trading Online available in Light, Intermediate, and Professional profiles via app and home banking.
• International Debit Card (Carta di Debito Internazionale) Mastercard debit card for worldwide withdrawals and purchases including online, with 3D Secure, Nexi multirisk insurance, and eco-friendly PLA biodegradable material.
• Mastercard Reloadable Prepaid Card Reloadable Mastercard prepaid card for online and physical store purchases, with contactless payment support and reloads via Internet Banking.
• Classic and Prestige Credit Cards Mastercard credit cards accepted worldwide. The Prestige tier includes higher spending limits, LoungeKey access to 1,200+ airport lounges, Premium Experience events, and enhanced Nexi insurance including ski and golf coverage.
• Conto Business IBL Banca Business current account for companies, commercial activities, and self-employed professionals, offered in four tiered packages (Small, Medium, Large, Special) with bonded deposits, Fido overdraft, and bundled business cards.
• Business and Business Gold Credit Cards Corporate credit cards in Business and Business Gold tiers for capital companies, with Nexi multirisk insurance, tax benefits, and customizable spending limits to reduce or eliminate cash advances.
• POS Terminal Service Point-of-sale terminal services for merchants via partnership with Worldline, offering Desktop, GPRS, HI-POS with Alipay+/WeChat Pay camera, Tap on Mobile Android app, ClicPay pay-by-link, and pHey e-commerce solutions with 24-hour credit to business accounts.
• Cessione del Quinto dello Stipendio Salary assignment loan for public and private employees allowing borrowing up to €75,000 with monthly installments capped at 1/5 of net salary, fixed rate, and terms up to 120 months, with an optional RataBassotta small installment variant.
• Cessione del Quinto della Pensione Pension assignment loan for INPS and ex-INPDAP pensioners with capped TAEG, reduced interest rates, and simplified processing under the INPS convention, supported by online INPS connectivity.
• Prestito con Delega (Doppio Quinto) Payment delegation loan that can coexist with a Salary Assignment Loan, providing additional liquidity up to 50% of net salary (double fifth) with fixed rate and terms up to 120 monthly installments.
• Personal Loan (Prestito Personale) Unsecured personal loan for individuals up to €75,000 with fixed interest rate, terms up to 120 months, optional insurance coverage, and skip-payment option, with decisions possible in 48 hours.
• SALDARATE IBL Debt Consolidation Loan Debt consolidation loan allowing customers to extinguish existing financings and combine them into a single monthly payment with a fixed rate, with optional additional liquidity, up to 120-month terms.
• TFSubito TFS Advance Loan TFS severance pay advance loan for public and state employees who have reached pension, providing up to €1,000,000 in a single payment covering up to 100% of the severance pay with zero processing fees.
• Personal Loan for Auto/Motorcycle Vehicle financing for new, used, or km-zero cars, motorcycles, and campers (including hybrid and electric vehicles) from €3,000 to €75,000 with terms from 12 to 120 months.
• Personal Loan for Home Renovation Home renovation loan from €3,000 to €75,000 with terms from 12 to 120 months, covering ordinary and extraordinary renovations, furniture, energy efficiency upgrades, and green mobility.
• IBL E-Bank Mobile App and Internet Banking Mobile and desktop banking app enabling balance checks, transfers, instant transfers, Plick payments, BANCOMAT Pay, CBILL and F24 bill payments, time deposit activation, card requests, and the IBL Pass Code OTP token for secure authentication.
• Auto and Motorcycle Insurance Auto and motorcycle third-party liability insurance with up to 50% cited savings, distributed by IBL Banca in partnership with multiple insurers including Allianz, ConTe, Net Insurance, Prima Assicurazioni, and Zurich.
• CasaSicura Home and Family Insurance Modular home and family insurance covering fire, explosion, water damage, theft, earthquake, personal liability, legal protection, and cyber risk (Tutela Legale Cyber Risk), with full-digital subscription available.
• AssicuraVita / Net TCM Life Insurance Term life insurance (Temporanea Caso Morte) paying a lump sum to beneficiaries upon death, with optional total permanent disability rider, exemption from inheritance taxes, and 19% tax-deductible premiums up to €1,291 per year.
• InfortuNo Accident Insurance Modular accident insurance covering temporary disability, permanent disability, death, medical expense reimbursement, and personal assistance, with full-digital subscription available.
• TraffiGo Mobility Insurance Multi-guarantee mobility insurance covering death, permanent and temporary disability, medical expenses, and legal protection for users of public and private transport including cyclists and e-scooter users, with full-digital subscription.
• Pension Funds and PIP (Assicurazione Previdenza) Pension funds and individual pension plans (PIP) with tax-deductible contributions up to €5,164.57 per year, customizable investment options, and flexible contribution schedules.

Quantifiable outcome

• Savings rate up to 3.50% gross on 48-month time deposits
• +4 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• WorldlinecoreTechnology or IntegrationIBL Banca partners with Worldline, a European leader in digital payment services, to offer a comprehensive range of POS terminals to merchants. Worldline provides the technology infrastructure for payment processing including TAP ON MOBILE, HI-POS, GPRS, and Desktop POS solutions with 24-hour settlement to business accounts.
• Nexi S.p.A.coreTechnology or IntegrationNexi S.p.A. manages credit and debit cards for IBL Banca, providing card issuance, processing, mobile payment integrations (Apple Pay, Google Pay, Samsung Pay), and security services including 3D Secure authentication. Nexi also provides insurance coverage (multirischi) on cards and operates Nexi Pay app for card management.
• INPS (Istituto Nazionale della Previdenza Sociale)coreStrategic or Co-development PartnerIBL Banca participates in the INPS convention allowing the bank to offer Cessione del Quinto della Pensione to INPS pensioners with favorable terms. The convention provides regulatory framework for pensioner loan products including rate caps, simplified procedures, and special protections. IBL Banca has online connectivity with INPS for real-time application processing.
• Net Insurance S.p.A.coreChannel Partner/ Reseller/ DistributorNet Insurance S.p.A. provides insurance products distributed by IBL Banca including CasaSicura (home insurance), InfortuNo (accident insurance), and TraffiGo (mobility insurance). IBL Banca acts as insurance intermediary through IBL Assicura, earning commissions on policies sold.
• Net Insurance Life S.p.A.coreChannel Partner/ Reseller/ DistributorNet Insurance Life S.p.A. provides life insurance products (Net TCM/Temporanea caso morte) distributed by IBL Banca through IBL Assicura subsidiary. The AssicuraVita product guarantees a capital payment to beneficiaries in case of insured's death.
• AllianzminorChannel Partner/ Reseller/ DistributorAllianz provides auto and other insurance products available through IBL Banca's insurance distribution network.
• ConTeminorChannel Partner/ Reseller/ DistributorConTe provides auto insurance products distributed through IBL Banca's insurance platform.
• Prima AssicurazioniminorChannel Partner/ Reseller/ DistributorPrima Assicurazioni provides auto insurance products available through IBL Banca's insurance distribution network.
• ZurichminorChannel Partner/ Reseller/ DistributorZurich provides insurance products distributed through IBL Banca's insurance platform.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Credito Emiliano: Established Italian retail and SME bank with broader geographic reach and deeper product set than IBL — a broader incumbent offering overlapping capabilities including consumer credit and advisory banking.
• BPER Banca: Italian regional banking group with retail, SME, and consumer credit franchises across multiple regions — a larger incumbent covering the same core retail-and-business-banking territory as IBL Banca.

Direct peers

• Banca Sella: Italian retail and SME bank with omnichannel (branch + digital) banking, payments, and consumer finance — closely comparable to IBL's hybrid branch-digital distribution strategy and product breadth.
• Banca IFIS: Italian mid-tier bank specializing in consumer credit, salary-backed loans (Cessione del Quinto) and specialty finance — the closest comparable to IBL Banca on product mix, customer base, and Italian retail/specialty positioning.
• Cherry Bank: Mid-sized Italian retail and SME bank with consumer credit, mortgage, and digital onboarding capabilities — directly comparable to IBL on scale, Italian retail footprint, and product breadth.
• Illimity Bank: Italian challenger bank focused on SME lending, distressed credit, and digital banking with proprietary IT — highly comparable to IBL's specialty-lending-plus-digital-banking playbook.
• Findomestic: Italian consumer-credit subsidiary of BNP Paribas Personal Finance focused on personal loans, auto financing, and point-of-sale lending — directly comparable to Creditis (IBL Banca's wholly-owned consumer credit arm).
• Agos Ducato: Italian consumer credit specialist (Crédit Agricole group) offering personal loans, auto financing, and salary-backed products — direct peer for IBL's Creditis and Cessione del Quinto franchises.
• Banca Mediolanum: Italian retail bank with integrated consumer credit (Compass) and insurance distribution, also operating a national branch-advisor network — comparable to IBL on retail-banking-plus-credit-plus-insurance platform model.
• Compass: Italian consumer credit arm of Banca Mediolanum offering personal loans, salary-backed loans, and POS lending — directly comparable to Creditis and the broader CQ strategy within IBL Banca.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/IBLBanca
• Facebookfacebook.com/IBLBanca
• LinkedInlinkedin.com/company/ibl-istituto-bancario-del-lavoro

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about IBL Banca