ViViBanca
ViViBanca is an Italian specialty commercial bank (ABI 05030) offering Cessione del Quinto, personal and SME loans, digital current accounts and savings deposits to Italian households, public-sector employees, pensioners, and SMEs, distributed through 7 branches, 80+ financial agencies, and 500+ partner bank branches.
- Company typePrivate
- Founded2017
- HeadquartersTurin, Italy
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What ViViBanca does
ViViBanca S.p.A. is a Turin-headquartered Italian specialty commercial bank (ABI Code 05030, Banking Group No. 5030) formed in 2017 through the merger of TerFinance, a 30-year family credit specialist, and Credito Salernitano, a southern Italian territorial bank. The institution is privately held, employs approximately 140 people, and operates under Bank of Italy supervision as a member of the FITD deposit protection scheme. Its product mix is concentrated in two domains: salary- and pension-linked retail credit (Cessione del Quinto for pensioners, public-sector and private-sector employees, TFS advances, personal loans branded ViVinow), and SME/corporate credit (MCC-guaranteed loans up to €500,000, short-term financing, invoice factoring, VAT and tax credit acquisition under the ViViFinance umbrella). On the funding side, the bank offers the zero-fee ViViConto digital current account and fixed-/flexible-term deposits (ViViConto Plus and Extra) at gross rates up to 3.00%.
ViViBanca firmographics
Firmographics- Name
- ViViBanca
- Legal name
- ViViBanca S.p.A.
- Website
- https://vivibanca.it
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- ViViBanca is an Italian specialty commercial bank (ABI 05030) offering Cessione del Quinto, personal and SME loans, digital current accounts and savings deposits to Italian households, public-sector employees, pensioners, and SMEs, distributed through 7 branches, 80+ financial agencies, and 500+ partner bank branches.
- Ownership category
- akta.pro rank
ViViBanca industry classification
Industry- Product category
- Specialty Commercial Banking
- NAICS
- Commercial Banking (522110), Depository Credit Intermediation (5221), Consumer Lending (522291)
- SIC
- National Commercial Banks (6021), Personal Credit Institutions (6141), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Balance-Sheet / Portfolio CRE Lending (FSALADAG)
Keywords
Where ViViBanca is headquartered
LocationHeadquarters
- HQ city
- Turin
- HQ country
- Italy
- HQ region
- Europe
Offices7 records
Markets served
ViViBanca business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Retail Lending Interest Income: Interest income from personal loans, Cessione del Quinto (salary-linked loans), pensioner loans, and TFS advance financing to individuals
- SME/Corporate Lending: Interest income from MCC-guaranteed loans, short-term financing, invoice advances, and tax credit purchases for small and medium enterprises
- Deposit Taking and Interest Spread: Interest spread income from retail deposits (ViViConto, ViViConto Plus, ViViConto Extra) with current account at 2.00% remuneration and savings deposits up to 3.00%
- Commission Income from Agent Network: Commission income from distributed products through ViViBanca Network (80+ agencies, 500+ partner bank branches)
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | ViViConto - Zero-fee Current Account |
| Subscription | Multi-year contract | ViViConto Plus - Flexible Savings Deposit |
| Subscription | Multi-year contract | ViViConto Extra - Fixed-term Savings Deposit |
| Transaction based/ take rate | Monthly | ViVinow Personal Loans |
| Transaction based/ take rate | Monthly | Cessione del Quinto - Pensioners |
| Transaction based/ take rate | Monthly | Cessione del Quinto - Public Employees |
| Transaction based/ take rate | Monthly | MCC-Guaranteed SME Loans |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
ViViBanca product offering
Product offeringCore offering
ViViBanca is an Italian Specialty Commercial Bank offering salary- and pension-backed loans (Cessione del Quinto), personal loans, and a digital current account ecosystem (ViViConto) to retail customers, plus MCC-guaranteed SME financing, invoice advances, VAT/tax credit acquisition, and business deposit accounts to small and medium enterprises. Distribution combines 7 owned branches, 5 commercial offices, 80+ financial agencies (ViViBanca Network), 500+ partner bank branches, and fully digital onboarding via VideoID and OTP signature.
Product overview
ViViBanca is a Specialty Commercial Bank (Banca Commerciale specializzata) offering a comprehensive suite of retail and corporate financial products. The retail offering centers on Cessione del Quinto (salary/pension loans with mandatory insurance), personal loans (ViVinow), and the ViViConto digital current account ecosystem with deposit accounts (ViViConto, ViViConto Plus, ViViConto Extra). The corporate offering under ViViFinance includes SME guaranteed loans (MCC), short-term financing, invoice factoring, VAT credit monetization, and tax credit acquisition. Digital services are delivered through ViViLab (mobile banking app, Video ID for remote onboarding, OTP signature). The bank operates through 7 branches, 5 commercial offices, and a network of over 80 financial agencies across Italy.
Differentiator
Problem solved
Functional benefit
Brands
- ViViBanca Network: Financial agent network with 7 branches, 5 commercial hubs, and over 80 financial agencies across Italy
- ViViConto
- ViViQuinto
- ViViConto Plus
- ViViConto Extra
Products and services
- ViViConto (Conto Corrente) Zero-fee online current account for retail customers offering free SEPA transfers, international debit Mastercard, F24/MAV/RAV payments, digital wallet support (Apple Pay, Google Pay, Samsung Pay), and 2.00% annual gross remuneration on balances.
- ViViConto Plus Flexible savings deposit account with variable term from 6 to 60 months offering up to 2.50% gross annual rate, with free withdrawal subject to 33-day notice and forfeiture of accrued interest. No opening or management costs.
- ViViConto Extra Fixed-term savings deposit offering up to 3.00% gross annual rate with terms from 6 to 60 months. Interest paid at maturity, no opening or management costs, 0.20% stamp duty borne by customer.
- ViVinow (Prestiti Personali) Personal loan for employees up to 60,000 euros over 24-120 months with fixed TAN 8.45% and TAEG 10.07%. Available entirely online with digital signature. Processing fee 300 euros and standard ancillary fees apply.
- Cessione del Quinto della Pensione Loan against pension for retired individuals (INPS and former INPDAP) up to 75,000 euros over up to 120 months, with installment up to 20% of pension directly deducted by the pension entity. Loan maturity age up to 85. Insurance included.
- Cessione del Quinto dello Stipendio - Dipendenti Pubblici Salary-backed loan for public sector employees up to 75,000 euros over up to 120 months at fixed rate. Installment up to 20% of salary directly deducted by employer. Free quote, insurance included.
- Cessione del Quinto dello Stipendio - Dipendenti Privati Salary-backed loan for private sector employees with indefinite-term contracts. Monthly repayments deducted by employer up to 20% of net salary. Maximum 75,000 euros over up to 120 months at fixed rate.
- Anticipo TFS Advance payment on the Severance Indemnity (TFS/Trattamento di Fine Servizio) for retired public sector employees, providing up to 100% of accrued amount in a single payment with fixed interest rate.
- Delega di Pagamento Additional loan facility allowing employees to add a second salary deduction alongside an existing Cessione del Quinto. Combined deductions cannot exceed 40% of salary.
- Finanziamenti Garantiti MCC Public-guarantee financing for SMEs and professionals up to 500,000 euros over up to 60 months, backed by the Fondo di Garanzia per le PMI (Italian Ministry of Enterprise) under Law 662/96.
- Finanziamento Importo Ridotto Chirograph loan for professionals, self-employed individuals and sole proprietors up to 40,000 euros (2025 limit), backed by the SME Guarantee Fund with up to 80% coverage.
- Finanziamenti Breve Termine Short-term business financing including invoice advances (up to 80% of invoiced amount, 12-month duration) and revolving credit lines for temporary cash flow needs of SMEs.
- Cessione Crediti IVA Pro-soluto sale of VAT credits allowing businesses to monetize accrued VAT receivables, improving net financial position and cash flow.
- Acquisto Crediti Fiscali Purchase of tax credits (Ecobonus, Superbonus and other building bonuses) from property owners and businesses, providing immediate liquidity in exchange for annual deductions.
- Conto Deposito Business Business deposit account for SMEs offering competitive interest rates with both withdrawable and term deposit options, durations from 6 to 60 months.
- ViViLab (Digital Services) Suite of digital banking services including ViViBanca mobile app (iOS/Android), Video ID for remote identification via smartphone video call, and OTP electronic signature for paperless contract execution.
- Risparmio Gestito (Online SIM Partnership) Investment and managed savings services provided through partnership with Online SIM, offering self-directed investing, model portfolios, and robo-advisory services to ViViBanca customers.
Quantifiable outcome
- Net profit of €4.8 million (+10.5%) in fiscal year 2025
- +2 more outcomes
Companies that use ViViBanca
Customer profileNamed customers4 records
Segments1 record
Ideal customer profiles5 records
ViViBanca technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability5 records
Feature3 records
ViViBanca partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered minor and core.
- ABI (Associazione Bancaria Italiana)minorIndustry association membership providing access to banking industry standards, regulatory guidance, and industry representation in Italy
- AssofinminorItalian financial association membership representing consumer credit and financial services companies
- AssileaminorAssociation of leasing and loan companies in Italy, providing industry networking and regulatory representation
- UFI (UnionFin)minorItalian financial union membership for industry collaboration and best practice sharing
- ApplecoreApple Pay integration allowing ViViBanca card holders to make contactless payments using iPhone, Apple Watch, iPad, and Mac devices
- GooglecoreGoogle Pay integration enabling ViViBanca customers to pay with Android smartphones and smartwatches at contactless POS terminals
- SamsungcoreSamsung Pay integration allowing payments with Samsung Galaxy smartphones at contactless terminals
- NexicorePayment processing partner providing card services including Nexi Pay mobile app for Apple Pay, Google Pay, and Samsung Pay activation, along with 3D Secure fraud protection
- Fondo Interbancario di Tutela dei Depositi (FITD)coreMandatory deposit protection scheme guaranteeing up to €100,000 per depositor, providing customer deposit insurance coverage
- Fondo di Garanzia per le PMIcoreItalian Ministry of Enterprise public guarantee fund (Law 662/96) enabling MCC-guaranteed loans for SMEs up to €500,000 with favorable terms
Scale indicators7 records
Recent moves7 records
Expansion highlights5 records
ViViBanca competitors and assessment
Company assessmentDirect peers
- Agos Ducato: Major Italian consumer credit provider offering personal loans, Cessione del Quinto, and auto loans. Joint venture between Crédit Agricole and Banco BPM, comparable in core product set.
- Illimity Bank: Italian digital-native challenger bank listed on Borsa Italiana. Comparable as a specialty Italian bank combining digital onboarding with corporate/SME and consumer credit, competing for similar digitally-active retail and SME customers.
- Compass (Mediobanca Group): One of Italy's largest consumer credit specialists (personal loans, Cessione del Quinto, salary-backed loans). Directly competes in Cessione del Quinto and personal loans with similar underwriting and distribution models.
- Findomestic (BNL Paribas Group): Italian consumer credit leader (BNL Paribas subsidiary) specializing in personal loans, auto, and home improvement lending. Comparable product set and target customer base in Italian retail credit.
- Fiditalia (Société Générale): Italian consumer credit and salary-backed loan specialist owned by Société Générale. Directly comparable in Cessione del Quinto, personal loans, and agent-based distribution.
- Cherry Bank: Italian specialty bank (formerly Banca delle Marche) focused on consumer credit, SME lending, and special situations. Comparable in scale, Italian market focus, and specialty consumer/SME credit orientation.
- Santander Consumer Bank Italy: Italian arm of Santander's consumer finance division offering personal loans, auto financing, and credit cards. Comparable business model of an EU bank group operating a specialty consumer credit franchise in Italy.
Broad incumbents
- Banca Mediolanum: Italian digital-first retail bank known for remote advisory and high-yield deposit products. Overlaps with ViViBanca in retail deposits (ViViConto-like proposition) and digital account opening.
- Banca Sella: Italian regional bank group with a strong digital/fintech orientation (Hype) and SME/retail banking. Overlaps with ViViBanca on digital onboarding, SME lending, and digital deposits but operates as a broader incumbent.
- BNL BNP Paribas (Italian retail): Major Italian universal bank (BNP Paribas subsidiary) with broad retail, SME, and corporate banking operations. Overlaps with ViViBanca in SME lending, deposits, and consumer credit but at much larger scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
ViViBanca social profiles
Digital presenceViViBanca compliance and trust
Trust signalCompliance4 records
ViViBanca financial estimates
Financial estimateRevenue estimate
Valuation estimate
ViViBanca leadership team
Management profileNumber of profiles
Profiles1 record
ViViBanca subsidiaries and ownership
Company hierarchySubsidiaries1 record
ViViBanca funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ViViBanca M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ViViBanca
What does ViViBanca do?
ViViBanca is an Italian Specialty Commercial Bank offering salary- and pension-backed loans (Cessione del Quinto), personal loans, and a digital current account ecosystem (ViViConto) to retail customers, plus MCC-guaranteed SME financing, invoice advances, VAT/tax credit acquisition, and business deposit accounts to small and medium enterprises. Distribution combines 7 owned branches, 5 commercial offices, 80+ financial agencies (ViViBanca Network), 500+ partner bank branches, and fully digital onboarding via VideoID and OTP signature.
Is ViViBanca a public or private company?
ViViBanca is a private company. It is classified as corporate owned and is currently operating.
When was ViViBanca founded?
ViViBanca was founded in 2017. It employs 101 to 250 people.
Where is ViViBanca based?
ViViBanca is headquartered in Turin, Italy, in the Europe region.
How does ViViBanca make money?
Four revenue lines are on record. Retail Lending Interest Income is the primary driver. The others are SME/Corporate Lending, deposit Taking and Interest Spread and commission Income from Agent Network.
Who are ViViBanca's main competitors?
Direct peers on record are Agos Ducato, Illimity Bank, Compass (Mediobanca Group), Findomestic (BNL Paribas Group), Fiditalia (Société Générale), Cherry Bank and Santander Consumer Bank Italy. Broad incumbents are Banca Mediolanum, Banca Sella and BNL BNP Paribas (Italian retail).
Does ViViBanca have an API?
No public API is recorded for ViViBanca.
What industry is ViViBanca in?
ViViBanca's product category is Specialty Commercial Banking. Its primary akta.pro industry code is FSALADAG, Balance-Sheet / Portfolio CRE Lending. Its NAICS code is 522110 and its SIC code is 6021.