Banca Di Sconto

What Banca Di Sconto does

Banca di Sconto S.p.A. is an Italian licensed bank specializing in consumer credit, headquartered in Rome and operating as a wholly-owned subsidiary of IBL Banca S.p.A. within Gruppo Bancario IBL Banca. The entity was founded in 2019 with subscribed share capital of €25,000,000 and a workforce of 51-100 employees, registered with the Albo delle Banche at n.1121 and subject to Banca d'Italia supervision.

The bank's product portfolio centers on retail consumer lending in the Italian market: Cessione del Quinto dello Stipendio (salary-backed loans with deductions up to one-fifth of income), Cessione del Quinto della Pensione (pension-backed loans), Delegazione di Pagamento (payment delegation loans), and general Finanziamenti Personali (personal loans). It also distributes insurance products as an IVASS-registered intermediary (RUI protocol D000201452). Distribution relies on a direct-to-consumer model through the bancadisconto.it website, a customer service hotline (800.91.90.90), and the parent's physical branch network. The technology stack is described as standard banking IT infrastructure supporting online loan applications, payment processing, and PSD2-compliant account management.

Revenue mechanics derive from interest income on the consumer loan book, fees from payment services and account management, and commissions from insurance distribution. Pricing is risk-based and transaction-linked, with specific interest rates not publicly disclosed but documented in regulatory transparency reports (TEGM) and product information sheets (Scheda Informativa). On September 1, 2025, IBL Banca consolidated all legal and contractual relationships of Banca di Sconto into the parent as part of its industrial strategy, while preserving economic conditions for existing customers and maintaining the subsidiary's regulated operational status under group direction and coordination pursuant to Italian Civil Code articles 2497 et seq.

Name

Banca Di Sconto

Legal name

Banca di Sconto S.p.A.

Website

https://bancadisconto.it

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Short description

Banca di Sconto S.p.A. is a Rome-based Italian licensed bank, wholly-owned by IBL Banca, specializing in retail consumer credit products including salary-backed loans (Cessione del Quinto), pension loans, and personal financing for Italian individuals.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Depository Credit Intermediation (5221)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)

Keywords

• Consumer credit
• Personal loans
• Salary assignment loans
• Pension loans
• Retail banking

Headquarters

HQ city

Roma

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: Primary revenue from interest income on personal loans, salary assignment loans (Cessione del Quinto), and pension loans offered to retail customers.
2. Insurance Distribution: Revenue from distribution of insurance products connected to loans and financing, with the bank registered as an insurance intermediary (RUI) under IVASS supervision.
3. Banking Services Fees: Various banking service fees including payment services, account management, and related financial services compliant with PSD2 regulations.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Banca Di Sconto is an Italian licensed bank that specializes in consumer credit for retail customers, offering personal loans (Finanziamenti Personali), salary assignment loans (Cessione del Quinto dello Stipendio), pension assignment loans (Cessione del Quinto della Pensione), and payment delegation loans (Delegazione di Pagamento). It also distributes insurance products as a registered IVASS intermediary. As a wholly-owned subsidiary of IBL Banca S.p.A. within Gruppo Bancario IBL Banca, the bank focuses on transparent, simple, and affordable personal financing solutions for individuals and families in Italy.

Product overview

Banca di Sconto is a banking entity specializing in consumer credit products, primarily offering salary and pension-backed loans (Cessione del Quinto) and payment delegation products as part of the IBL Banca Banking Group. The product portfolio centers on secured personal finance solutions where repayments are deducted directly from the borrower's income source, along with general personal financing options. The products are designed for simplicity and transparency in loan services.

Differentiator

Problem solved

Functional benefit

Products and services

• Cessione del Quinto dello Stipendio Loan product where repayments are deducted directly from the borrower's salary, up to one-fifth of their gross income, targeted at Italian salaried employees seeking consumer credit.
• Cessione del Quinto della Pensione Loan product where repayments are deducted directly from the borrower's pension, up to one-fifth of their pension income, targeted at Italian retirees seeking consumer credit.
• Delegazione di Pagamento Loan product allowing a third party (such as an employer or pension fund) to commit to making loan repayments on behalf of the borrower, targeted at Italian borrowers seeking additional personal financing on top of a Cessione del Quinto.
• Finanziamenti Personali Personal loans offered by the bank for various financial needs, characterized by simplicity, affordability, and transparency, targeted at Italian retail consumers.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• Fondo Interbancario di Tutela dei DepositicoreOthersBanca di Sconto is a member of the Interbank Deposit Protection Fund (Fondo Interbancario di Tutela dei Depositi), which provides deposit protection for customers of member banks in Italy.
• IVASS (Istituto per la Vigilanza sulle Assicurazioni)coreOthersBanca di Sconto is registered with the Single Register of Insurance and Reinsurance Intermediaries (RUI) since September 28, 2007 (protocol D000201452) and is subject to IVASS supervision for its insurance distribution activities.
• Banca d'ItaliacoreOthersBanca di Sconto is registered in the Register of Banks (Albo delle Banche) at number 1121 and is subject to the supervisory authority of Banca d'Italia for banking activities and regulations including anti-money laundering, transparency, and PSD2 compliance.

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Prestitalia: Italian specialist lender focused on personal loans and Cessione del Quinto (salary/pension assignment loans), directly comparable product portfolio, customer segment, and Italian-only distribution.
• IBL Banca: Parent company and closest peer — Italian bank specializing in Cessione del Quinto and consumer credit, same product set and target customer base as Banca di Sconto, and has now absorbed all of its customer contracts.
• Agos Ducato: Major Italian consumer credit company offering personal loans, salary-backed loans, and revolving credit to retail customers; overlapping product mix and target segment as Banca di Sconto.
• Compass (Banca Mediolanum): Italian consumer credit arm of Banca Mediolanum, offering personal loans, salary/pension-backed loans, and revolving credit — directly overlapping product set and retail customer base.
• Findomestic: Italian consumer credit specialist (BNL/BNP Paribas group) offering personal loans and salary-backed financing; directly comparable in personal loan and Cessione del Quinto offerings to Italian retail customers.

Broad incumbents

• Banco BPM: Top Italian retail/commercial bank offering personal loans and consumer credit to Italian households; broader incumbent with overlapping customer base but wider portfolio.
• Intesa Sanpaolo: Largest Italian banking group offering retail banking, consumer credit (including salary-backed lending through its subsidiaries), and bancassurance; broad incumbent overlapping in retail lending.
• UniCredit: Major Italian universal bank with a broad retail banking and consumer credit franchise, including personal loans; a broader incumbent that competes with Banca di Sconto across the retail customer base.
• BPER Banca: Italian retail/commercial bank with personal loan and consumer credit offerings serving Italian retail customers; broader incumbent peer in the Italian retail lending space.

Emerging players

• Stellantis Financial Services (formerly FCA Bank): Italian captive finance provider focused on auto/consumer financing; overlapping Italian retail credit activity though concentrated on vehicle financing rather than salary-backed lending.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/BancaDiSconto
• LinkedInlinkedin.com/company/bancadisconto

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Banca Di Sconto