What Imprebanca does

Imprebanca S.p.A. is a privately held Italian multi-channel bank founded in 2010 and headquartered in Rome, operating five branches plus ATM locations across Rome and Parma. It serves three primary segments: retail customers (Privati) seeking current accounts, deposits, cards, and consumer credit; small and medium enterprises (PMI) requiring business accounts, POS services, cash management, and SME financing; and salaried employees and pensioners using Cessione del Quinto salary-backed loans. The bank distributes its products through an omnichannel model combining physical branches, internet banking (ib-internet), mobile apps (ib-mobile for consumers, ib-aziende for businesses with voice assistant and biometric authentication), and ATM infrastructure.

The technology stack integrates a PSD2-compliant open banking API layer (built on CSEBO infrastructure), SEPA payment services (SCT, SDD, SEDA mandate alignment), card services through a Nexi partnership, advanced electronic signature capabilities (stylus-on-tablet and OTP-based), and a proprietary cash-in safe solution (ib-contanti sicuri) for SME cash deposits. Compliance is anchored to MiFID II, GDPR, PSD2, and the Wolfsberg AML framework. Ownership is held 60% by approximately 40 entrepreneurs and 40% split equally between institutional shareholders Banca Finnat Euramerica and Generali Italia, with Confcommercio Roma e Lazio as a founding trade association partner. The bank reports a CET1 ratio of 33.45%, indicating exceptionally strong capital adequacy above regulatory minima.

Imprebanca's revenue model is built on four streams: net interest income from personal loans, mortgages, Cessione del Quinto, and SME financing (including CDP-convention backed lending); fees and commissions from account management, payment services (POS, transfers, bollettini), and card services; trading commissions from securities and OTC instruments; and spread income from its own bond issuances. Distribution pricing is partially disclosed (deposit rates, bollettini fees), while loan and complex product pricing is quote-based. The bank's go-to-market combines organic branch acquisition, online appointment booking, and self-service mobile enrollment, supported by institutional partnerships with AcomeA SGR, New Millennium Sicav, Nexi, Cassa Depositi e Prestiti, and CSEBO.

Name

Imprebanca

Legal name

Imprebanca S.p.A.

Website

https://imprebanca.it

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Imprebanca S.p.A. is a privately held Italian multi-channel bank headquartered in Rome, serving retail customers, SMEs, and salaried/pensioner clients through five branches, ATMs, and digital banking (web and mobile).

Ownership category

akta.pro rank

Product category

Retail and SME Banking

NAICS

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

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Retail banking services
• SME business banking
• Personal lending products
• Investment fund distribution
• Merchant payment services

Headquarters

HQ city

Rome

HQ country

Italy

HQ region

Europe

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Interest earned on loans and credit products including personal loans, mortgages, cessione del quinto (salary-backed loans), and business financing. The bank offers fixed-rate products providing predictable interest income streams.
2. Fee and Commission Income: Fees from account management, payment services (POS, transfers, bollettini), card services, and investment product distribution. The bank offers current accounts, deposit accounts, and investment services generating recurring fee revenue.
3. Trading Commissions: Commissions from securities trading operations, including purchase and sale of stocks, bonds, and OTC instruments on global markets through both branch and online trading platforms.
4. Own Bond Issuance: The bank issues its own bonds to retail and business customers, providing funding while generating spread income on the debt instruments.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Imprebanca S.p.A. is a multi-channel Italian bank that provides retail and SME banking products including current accounts, time deposit accounts, debit and credit cards, personal loans, salary-backed loans (cessione del quinto), SME financing (including CDP-backed loans), merchant POS services, cash management (ib-contanti sicuri), and an investment product suite covering mutual funds, bank bonds, securities trading, and cryptocurrency advisory. Services are delivered through 5 Rome branches, internet and mobile banking platforms, ATMs in Rome and Parma, and PSD2 open banking APIs.

Product overview

Imprebanca is a multi-channel Italian bank offering a comprehensive suite of banking products and services. The core offering includes current accounts and time deposit accounts for both retail and business customers. The investment product suite encompasses mutual funds (AcomeA SGR and New Millennium Sicav), bank bonds, trading services, and cryptocurrency advisory. Lending products include personal loans, salary-backed loans (Cessione del Quinto via impreQuinto), and SME financing through CDP convention. The bank provides debit and credit cards via Nexi, POS terminals for merchants, and innovative cash management solutions (ib-contanti sicuri). Digital banking is delivered through ib-internet/ib-mobile for retail and ib-aziende for business customers, featuring internet banking, mobile apps with biometric access, and voice assistants. Payment infrastructure includes PSD2 open banking APIs, SEPA payment services (SCT, SDD), and SEDA mandate management. The bank operates via a network of branches in Rome and Parma, complemented by ATM services.

Differentiator

Problem solved

Functional benefit

Products and services

• Conto Corrente (Current Account) Day-to-day banking account for retail (Privati) and business (Imprese) customers enabling payments, transfers, fund management, and account servicing via branches and digital channels.
• Conto di deposito (Time Deposit Account) Savings deposit account offered in non-withdrawable and withdrawable variants with tiered gross annual interest rates ranging from 1.80% to 2.50% across 1-60 month terms (up to EUR 250,000).
• Fondi di investimento AcomeA SGR Mutual funds (monetary, bond, flexible, equity) managed by AcomeA SGR and distributed through Imprebanca, including value/contrarian strategies with low minimums (from EUR 5 via Gimme5).
• Fondi di investimento New Millennium Sicav Luxembourg-domiciled UCITS IV multi-compartment Sicav offering equity, bond, and balanced compartments distributed through Imprebanca.
• Obbligazioni Imprebanca (Bank-Issued Bonds) Bank-issued debt securities including fixed-rate and Euribor-linked floating-rate bonds, including custom issuance tailored to customer needs.
• Trading Securities trading service for buying and selling stocks on major global markets and OTC instruments, with online trading platform access.
• Cryptovalute (Cryptocurrency Advisory) Advisory service providing information about cryptocurrency investments; the bank explicitly does not execute crypto investments on behalf of clients.
• Carta di debito (Nexi Debit Card) International Mastercard/Nexi debit card with contactless payments, online purchasing, worldwide ATM withdrawals, and security features via Nexi Pay (notifications, 3D Secure).
• Carta di credito (Nexi Credit Card) Credit card via Nexi for daily purchasing, cash advances, and online transactions; includes 3-year validity, fraud protection, and Nexi Pay app management.
• impreQuinto (Cessione del Quinto) Salary or pension-backed loan allowing borrowers to obtain up to 1/5 of monthly net income, repaid via direct deduction from pay slip or pension, with life and employment insurance, fixed rates, terms up to 120 months, and amounts up to EUR 75,000.
• Prestito Personale (Personal Loan) Personal loan for financing consumer projects such as auto purchase, home renovation, travel, and education, with flexible amounts and customized repayment plans.
• Convenzione CDP ABI (CDP-Backed SME Financing) SME and mid-cap lending program under the Cassa Depositi e Prestiti ABI Convention, offering preferential financing terms via mortgage lending for investment and working capital.
• POS (Point of Sale Terminal Service) POS terminal service for merchants enabling card payments (credit, debit, Apple Pay, Google Pay), with 24/7 technical support, transparent pricing, and advanced transaction reporting.
• ib-contanti sicuri (Cash-in Safe) Smart-safe cash deposit solution allowing businesses to deposit cash at their premises with automatic account crediting, continuous monitoring, counterfeit detection, insurance coverage, and armored transport collection at no extra customer cost.
• ib-internet / ib-mobile (Retail Internet and Mobile Banking) Online and mobile banking platform for retail customers enabling transfers, bill payments, F24 delegations, phone recharges, CBILL/PagoPA, balance and movements viewing, and online statements, secured via Secure Call device.
• ib-aziende (Business Mobile Banking App) Mobile banking app for business customers featuring a voice assistant, biometric access (Face ID, fingerprint), and corporate banking functions including Ri.Ba, RID, MAV, payments, and portfolio management.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability1 record

Feature6 records

Partnerships

Seven partnerships are on record, tiered founding, core and supporting.

• Confcommercio Roma e LaziofoundingStrategic or Co-development Partner · 1 January 2010Founding trade association partner representing commerce and service enterprises in Rome and Lazio region. Connects the bank with SME customer base and provides market expertise.
• AcomeA SGRcoreChannel Partner/ Reseller/ DistributorInvestment fund management company whose funds (money market, bond, flexible, equity) are distributed through Imprebanca branches and digital channels. Provides customers access to professionally managed investment products.
• New Millennium SicavcoreChannel Partner/ Reseller/ DistributorLuxembourg-domiciled multi-compartment investment company offering various fund compartments (equities, bonds, balanced) distributed through Imprebanca to provide diversified investment options.
• NexicoreTechnology or IntegrationItalian payment services provider managing credit and debit card operations including card issuance, payment processing, fraud protection, and card management services for Imprebanca customers.
• CSEBOcoreTechnology or IntegrationTechnology outsourcing partner providing banking IT infrastructure, Corporate Banking Interbancario (CBI) platform, PSD2 API support, and help desk services for digital banking operations.
• In.Te.S.A. S.p.A.supportingTechnology or IntegrationCertification Authority providing digital certificate services for electronic signature (firma digitale) and advanced electronic signature (firma elettronica avanzata) solutions implemented in bank branches.
• Cassa Depositi e Prestiti (CDP)coreStrategic or Co-development PartnerItalian promotional institution providing favorable funding for SME lending through the CDP ABI Convention (Plafond Piattaforma Imprese). Enables Imprebanca to offer preferential financing rates to eligible SMEs for investment and working capital.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Banca Popolare di Sondrio: Italian regional popular bank with multi-channel retail and SME banking across Northern Italy. Comparable to Imprebanca as a regional Italian commercial bank, though its primary geographic focus is Northern Italy rather than Rome.

Direct peers

• Compass (Mediobanca Group): Italian consumer finance company offering personal loans, salary-backed loans, and credit cards. Comparable to Imprebanca because of overlapping consumer lending products, including personal loans and salary-backed (cessione del quinto) loans.
• Widiba (Monte dei Paschi di Siena): Italian digital bank offering retail and investment products backed by MPS. Comparable to Imprebanca as a digital-forward Italian bank offering retail current accounts, deposits, and investment products.
• IBL Banca: Italian bank specialized in salary-backed (cessione del quinto) and pension-backed loans, also offering retail banking products. Directly comparable to Imprebanca because both Italian banks focus on Cessione del Quinto as a flagship lending product and serve retail customers.
• Banca Finnat Euramerica: Italian commercial bank focused on private banking, wealth management, and corporate advisory. Comparable to Imprebanca as both are Italian-headquartered commercial banks with a Roma presence and a related shareholder relationship (Banca Finnat is a 20% shareholder of Imprebanca).
• Banca Sella: Italian retail and commercial bank with a notable digital-banking platform (Sella Personal Cloud). Comparable to Imprebanca as a multi-channel Italian bank serving retail and SME customers with both branches and digital services.
• CheBanca! (Mediobanca): Italian bank offering retail and SME banking with strong digital channel alongside physical presence. Directly comparable to Imprebanca as a multi-channel Italian bank with retail and SME focus.
• Findomestic Banca: Italian consumer finance bank offering personal loans, credit cards, and retail financing. Comparable to Imprebanca in the personal loan and retail credit product category, though Findomestic is more focused on point-of-sale consumer credit.
• Credito Emiliano (Credem): Italian regional commercial bank serving retail, SME, and private banking customers through branch and digital channels. Comparable to Imprebanca as a mid-sized Italian bank with retail and SME focus.

Emerging players

• Illimity Bank: Italian digital challenger bank serving SMEs through factoring, lending, and distressed credit, plus a digital retail offering. Comparable to Imprebanca as an Italian challenger bank with SME focus, though Illimity is fully digital-native with no physical branch network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles22 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 Imprebanca