What Banca Privata Leasing does

Banca Privata Leasing S.p.A., now operating as Banca Più S.p.A. following a March 31, 2026 change of control, is an Italian specialist bank headquartered in Reggio Emilia. Founded on September 4, 1987 as Privata Leasing, the institution originated in financial leasing and has expanded into a full-service retail and SME bank. Its product portfolio spans leasing (auto, real estate up to 12-year terms, nautical vessels up to 24 meters, and instrumental/equipment), current and deposit accounts (Conto Persona S/M/L tiers plus business variants), payment cards via Nexi, personal loans including cessione del quinto up to €50,000, mortgages, factoring, and insurance distribution through Reale Mutua and Zurich. Business-side offerings include working-capital credit lines, chirografary mortgages, subsidized financing (Nuova Sabatini at 3.575%, Mediocredito Centrale Guarantee Fund up to €2.5M per beneficiary), and POS merchant services.\n\nThe technology stack is a conventional digital-banking architecture: a multi-platform mobile app (iOS, Android, Huawei AppGallery), Banking4You and Webcontoc internet banking, EasyLeasing customer portal, and PSD2/Open Banking APIs operated via SIA. Compliance and onboarding are supported by GDPR and PSD2 conformance, eIDAS-compliant electronic signatures (Firma Elettronica Avanzata), video-selfie remote identification with callback verification through Intesa Sanpaolo, and two-factor Secure Call authentication. Distribution is hybrid — a single Reggio Emilia branch plus a dedicated agent network (Rete Agenti / Rete Distributiva) and full digital channels including WhatsApp support.\n\nThe business model is a multi-stream financial-services revenue structure: net interest income from leasing and lending (the largest, subscription-recurring stream), net interest from deposits, fee income from payment cards and POS, transaction fees on payment services, and affiliate/referral revenue from insurance distribution. Registered share capital stands at €75,880,793 and the bank is registered in the Albo delle Banche (n. 5734) as Capogruppo of Gruppo Banca Più (n. 251). Following acquisition by Next.us S.p.A. (controlled by Alberto Di Tanno) on March 31, 2026, the company is repositioning from a leasing-specialist identity to a broader challenger-bank brand under the Banca Più name, with operations continuing in full continuity for customers, partners, and suppliers.

Name

Banca Privata Leasing

Legal name

Banca Più S.p.A.

Website

https://bancaprivataleasing.it

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

101–250 employees

Short description

Banca Privata Leasing (now Banca Più) is an Italian specialist bank headquartered in Reggio Emilia, founded 1987, serving individuals and SMEs with leasing (auto, real estate, nautical, equipment), current/deposit accounts, payment cards, mortgages, and subsidized financing. Following Next.us S.p.A.'s 2026 acquisition, it rebranded as Banca Più.

Ownership category

akta.pro rank

Product category

Specialty Commercial & Leasing Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

National Commercial Banks (6021), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Premium/Affluent Neobanks (FSABAFAE)

akta.pro secondary industries

Prime (Agency/Conforming) Mortgage Servicing (FSALAEAA), Debt & Structured Finance / Mortgage Brokerage (BPAJABAK)

Keywords

• Commercial banking services
• Financial leasing solutions
• Small business lending
• Consumer credit products
• Sme financing programs

Headquarters

HQ city

Emilia

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Leasing Operations: Core business specializing in financial leasing for various asset types including real estate (immobiliare), vehicles (auto, commercial vehicles), nautical vessels, and instrumental equipment. The bank offers both operational and financial leasing with terms up to 12 years for real estate.
2. Current and Deposit Accounts: Personal and business checking and savings accounts (Conti correnti and Conti deposito) with tiered options (Persona S/M/L for individuals, business accounts for enterprises). Deposit accounts offer competitive interest rates with no fees.
3. Personal Loans and Credit: Unsecured personal loans, cessione del quinto (salary-backed loans), delegation of payment, TFS advances for public sector retirees, and debt consolidation services.
4. Mortgages and Financing: Mortgage loans (mutui) and credit facilities for businesses including chirografary mortgages, cash credit lines, and commercial credit advances for working capital and growth investments.
5. Payment Cards: Debit cards (Bancomat), credit cards (Nexi Classic), and prepaid cards with contactless payment capabilities and mobile payment integration.
6. Subsidized Financing: Facilitated financing programs including Nuova Sabatini for machinery and equipment investments, supported by Mediocredito Centrale guarantee fund.
7. Insurance Distribution: Distribution of insurance products bundled with leasing contracts including auto insurance (Reale Mutua) and instrumental insurance (Zurich). The bank is registered as insurance intermediary D000576641.
8. Payment Services: Payment processing services including bank transfers (bonifici), direct debits, POS services, and instant payments compliant with PSD2 requirements.

Go-to-market motion1 record

Distribution channels6 records

Marketing channels8 records

Core offering

Banca Privata Leasing is an Italian specialist bank originating from the leasing sector, providing financial leasing (auto, real estate up to 12 years, nautical up to 24 m, instrumental equipment), current and deposit accounts with tiered Persona S/M/L options and business variants, payment cards (Bancomat, Nexi Classic, prepaid), personal loans including cessione del quinto and TFS advances for pensioners, mortgages, business financing and subsidized programs such as Nuova Sabatini and Mediocredito Centrale Guarantee Fund, plus insurance distribution via Reale Mutua and Zurich. Offerings are delivered through a Reggio Emilia headquarters branch, a national agent network, multi-platform mobile and internet banking, and PSD2/Open Banking APIs.

Product overview

Banca Privata Leasing (now Banca Più) operates as a specialist bank originating from the leasing sector since 1987, serving both private individuals and businesses across Italy. The product portfolio centers on core banking services including current and deposit accounts with multiple tier options (Persona S/M/L for consumers, business variants for enterprises), payment cards through Nexi partnerships, and lending products. The leasing division forms a significant component covering auto leasing, real estate leasing (up to 12 years), instrumental/equipment leasing, and nautical leasing for vessels up to 24 meters. For personal financing, the bank offers personal loans, salary assignment loans (cessione del quinto) up to 50,000 euros with 120-month terms, and TFS advances for public sector pensioners. Business services include mortgages, working capital financing, subsidized financing programs including Nuova Sabatini and MCC Guarantee Fund access, and factoring services. Digital banking is delivered through Internet Banking (Banking4You), Webcontoc for corporate clients, a mobile app available on iOS/Android/Huawei platforms, and the EasyLeasing portal for contract monitoring. The bank also distributes insurance products through partnerships with Reale Mutua and Zurich, provides POS services for merchants, and operates a Whistleblowing platform for regulatory compliance.

Differentiator

Problem solved

Functional benefit

Products and services

• Conto Corrente (Current Account) Current accounts for individuals (Persona S/M/L tiers) and businesses, with digital banking access.
• Conto Deposito (Deposit Account) Savings deposit account offering competitive interest rates; available as a standard account linked to a current account or as a fully online independent account.
• Carte di Pagamento (Payment Cards) Bancomat debit cards, Nexi Classic credit cards, and prepaid cards with contactless technology.
• Leasing Auto Vehicle leasing for businesses, private consumers, and professional buyers, covering cars, commercial vehicles, and industrial vehicles, with insurance options.
• Prestiti Personali (Personal Loans) Personal loans for private individuals and pensioners, including fixed-rate loans and cessione del quinto (salary-backed) variants.
• Leasing Immobiliare (Real Estate Leasing) Real estate leasing for industrial, artisanal, office, and retail properties, including purchase, new construction, and renovation financing, with terms up to 12 years.
• Leasing Strumentale (Equipment Leasing) Equipment leasing for businesses of any size and professionals, covering machinery and tools with flexible duration, repayment plans, and bundled all-risk insurance.
• Leasing Nautico (Nautical Leasing) Nautical leasing for new and used boats up to 24 meters in length, requiring technical appraisal.
• Mutui (Mortgages for Business) Mortgage loans supporting strategic growth through structural investments and acquisitions for business customers.
• Finanziamenti (Working Capital Financing) Business financing including cash credits and advances on commercial credits to manage liquidity and improve cash flow.
• Finanziamenti Agevolati (Subsidized Financing Programs) Subsidized financing with professional consulting across the full application lifecycle, including access to Nuova Sabatini incentives and other government-backed programs.
• Nuova Sabatini (Beni Strumentali Incentive) Government-sponsored Beni Strumentali incentive program facilitating SME access to credit for investments, with subsidies for Industry 4.0 assets at 3.575% interest rate.
• Fondo di Garanzia MCC Access Intermediation of Mediocredito Centrale Guarantee Fund providing up to 80% coverage for SME financing operations, with a maximum of EUR 2.5 million per beneficiary.
• Factoring Factoring services including pro solvendo (with recourse) and pro soluto (without recourse) for managing commercial credit positions.
• Cessione del Quinto (Salary/Pension-Backed Loan) Salary assignment loans for public and private sector employees and pensioners, with monthly installments up to 20% of net salary, repayment periods up to 120 months, and amounts up to EUR 50,000.
• Anticipo TFS Termination benefit advance financing allowing public sector pensioners to access up to 95% of accrued TFS amounts immediately.
• Webcontoc (Home Banking Aziende) Corporate internet banking for business customers to manage accounts, payments, and cash flow operations.
• Internet Banking (Banking4You) Online banking platform for private customers providing account monitoring, transfers, payments, and savings management.
• App Banca Privata Leasing Mobile banking application available on iOS, Android, and Huawei platforms for account management, payments, and card controls.
• EasyLeasing Portal Portal for customers with active leasing contracts to monitor application status and manage lease-related activities.
• Fronte Digital banking interface for simplified account access and management.
• Servizio POS Point of sale payment services for merchants to accept card payments.
• Distribuzione Assicurativa (Insurance Distribution) Distribution of insurance products bundled with leasing contracts (auto, instrumental) through partnerships with Reale Mutua and Zurich, as registered intermediary D000576641.

Quantifiable outcome

• Over 30 years of continuous operation since 1987

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability3 records

Feature7 records

Partnerships

Six partnerships are on record, tiered core and minor.

• NexicoreTechnology or IntegrationPayment card services partnership providing Nexi Classic credit cards and Nexi Pay mobile payment application. Nexi processes card payments and provides tokenization services for mobile payments through the app.
• Reale MutuaminorOthersInsurance partnership for auto leasing coverage. Reale Mutua provides All Risks insurance for leased vehicles including coverage against theft, fire, special events, and Kasko at competitive conditions.
• ZurichminorOthersInsurance partnership for instrumental leasing coverage. Zurich provides insurance coverage for equipment and machinery leased through the bank's instrumental leasing products.
• SIAcoreTechnology or IntegrationOpen Banking/PSD2 infrastructure provider. SIA operates the Open Banking Platform (OBP) enabling Third Party Providers (PISP and AISP) to access account information and initiate payments. Bank publishes API performance reports through SIA.
• CSE (Consorzio Servizi Bancari)coreTechnology or IntegrationBanking services consortium providing TPP (Third Party Provider) helpdesk services for PSD2 compliance. Helpdesk available at [email protected] and phone 051 4992033, operating daily 6:00-24:00.
• Mediocredito CentralecoreOthersGovernment-backed guarantee fund (Fondo di Garanzia MCC) for SME financing. The fund guarantees up to 80% of financing operations for micro, small, and medium enterprises and professionals, with maximum guaranteed amount of 2.5 million euros per beneficiary.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Banca Sistema: Italian specialty bank focused on salary-backed lending (cessione del quinto), factoring, and SME credit. Comparable product mix to BPL, including salary-backed loans up to 50,000 euros, and similar mid-cap Italian banking profile.
• Illimity Bank: Italian digital-first challenger bank serving SMEs and retail with a strong digital banking platform and credit/factoring operations. Comparable as another Italian challenger bank targeting SME credit with a tech-forward stack.
• Banca Ifis: Italian mid-cap specialist bank focused on leasing, factoring, and SME credit. Most direct comparable to BPL/Banca Più given similar niche-bank DNA in Italian leasing and SME financing, though larger in scale.

Emerging players

• Compass (Mediobanca Group): Italian consumer finance arm of Mediobanca offering personal loans, salary-backed loans (cessione del quinto), and credit cards. Comparable on personal-loan and salary-backed-lending product overlap with BPL's Privati division.
• FCA Bank: Italian captive auto financing and leasing bank serving Stellantis brands. Comparable on auto leasing products offered by BPL's Leasing Auto line, though narrower in scope (auto-only).
• Findomestic (BNP Paribas Personal Finance): Italian consumer credit and personal loan provider owned by BNP Paribas. Comparable in Italian retail personal loan and credit products targeting individuals, partially overlapping BPL's Prestiti Personali line.

Regional players

• BPER Banca: Mid-sized Italian commercial bank with strong presence in Emilia-Romagna and SME lending focus. Comparable in customer base (Italian SMEs) and geography; existing technology partner (OneTrust cookie platform) to BPL.
• Credem (Credito Emiliano): Italian regional bank headquartered in Emilia-Romagna (Reggio Emilia) with full banking and SME lending operations. Geographic overlap with BPL and similar SME/mid-market focus in the same Italian region.

Broad incumbents

• Banca Mediolanum: Italian retail and SME bank with strong digital channels and advisory-led distribution. Comparable as a digital-forward Italian retail bank with broader product portfolio and significantly larger scale than BPL.
• BNL Leasing Solutions (BNP Paribas): Italian leasing arm of BNL/BNP Paribas group offering equipment, real estate, and vehicle leasing to Italian SMEs and corporates. Direct product overlap with BPL's full leasing franchise; broader incumbent parent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCWcXWRpuf1MKfxJEAPKy3xQ
• Facebookfacebook.com/bancapiu
• LinkedInlinkedin.com/company/banca-piu
• Instagraminstagram.com/bancapiu
• Xx.com/bprileas

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Banca Privata Leasing