Mediobanca Premier

What Mediobanca Premier does

Mediobanca Premier S.p.A. is the retail and business banking brand of Gruppo Bancario Monte dei Paschi di Siena, one of Italy's oldest banking groups (registered in the Albo dei Gruppi Bancari under #1030). Operating exclusively in Italy with nationwide coverage across all 20 regions, the bank delivers a full-stack suite of retail and commercial banking products — current accounts (Conto Premier, Conto Corrente Premier Business), deposit accounts (Conto Deposito, Conto Deposito Business), credit/debit/prepaid cards, payment terminals (Nexi SmartPOS and Mobile POS), mortgages and mortgage transfer services, business financing (credit lines, short- and medium-term loans, leasing, factoring, land mortgages), investment services (Dossier Titoli, advisory, insured savings), insurance, and pension planning. Wealth management services — covering planning, valorization, protection, and intergenerational asset transfer — are positioned as the differentiated offering.

The bank is built on a multi-channel advisory model combining physical branches (Filiali), Financial Advisor offices, telephone consulting, and digital self-service channels (mobile app and Area Clienti). The mobile platform includes the Smart App Strong Customer Authentication feature, which generates OTP codes for transaction authorization and operates offline. Card tokenization is enabled across Apple Pay, Google Pay, Samsung Pay, Garmin Pay, and SwatchPay. Revenue is generated through a diversified mix of recurring account and card fees, transaction commissions, POS terminal rental, spread income on deposits and lending, advisory fees on investment products, and insurance distribution. Two primary customer segments are served: private individuals from young professionals through affluent wealth management clients, and small businesses and professionals requiring integrated banking, financing, and payment acceptance infrastructure.

Pricing across the product line is small-ticket and subscription-based — e.g., 180 EUR/year for the business current account (with a free first quarter), 50 EUR/year for the Nexi Business credit card, and 18-48 EUR/month for POS terminals — consistent with a mass-market, high-volume retail distribution model. No standalone revenue, headcount, funding, or M&A activity is disclosed for Mediobanca Premier as a separate legal entity; the brand operates within the consolidated infrastructure and regulatory perimeter of its Monte dei Paschi di Siena parent group.

Name

Mediobanca Premier

Legal name

Mediobanca Premier S.p.A.

Website

https://mediobancapremier.com

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

Mediobanca Premier is the retail and business banking brand of Gruppo Bancario Monte dei Paschi di Siena, offering accounts, cards, financing, mortgages, payments, investments, insurance, and wealth management to consumers and small businesses across Italy.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Commercial Banks, Nec (6029), National Commercial Banks (6021)

akta.pro primary industry

Affluent/Premier Retail Banking (Mass Affluent) (FSABAAAG)

Keywords

• Retail banking services
• Wealth management
• Private banking
• Consumer banking
• Banking division

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Wealth Management Services: Specialized wealth management services including planning, valorization, protection, and transmission of customer assets. Revenue generated through advisory fees and investment product distribution.
2. Banking Account Fees and Commissions: Fees from current accounts (Conto Corrente Premier Business at 180 EUR annual), transaction fees, and account management services.
3. Credit Card Services: Revenue from credit card annual fees (e.g., Nexi Business at 50 EUR/year) and transaction commissions.
4. POS Terminal Services: Monthly rental fees for SmartPOS and Mobile POS terminals provided in partnership with Nexi, with various service tiers.
5. Business Financing: Interest income from credit facilities, short-term financing (up to 18 months), medium-long term financing (up to 120 months), and mortgage products (up to 180 months).
6. Deposit Account Interest: Interest earned on customer deposits with Conto Deposito Business offering terms of 3, 6, or 12 months at varying rates.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels2 records

Core offering

Mediobanca Premier is an Italian banking division operating under Gruppo Bancario Monte dei Paschi di Siena. The division provides banking services to customers in Italy, operating as a branded entity within one of Italy's largest and oldest banking groups.

Product overview

Mediobanca Premier is a retail and business banking division of Monte dei Paschi di Siena banking group offering a comprehensive suite of banking products and services. The core offerings include Conto Premier (personal current account) and Conto Corrente Premier Business (business current account), complemented by deposit accounts (Conto Deposito and Conto Deposito Business), securities services (Dossier Titoli and Dossier Titoli Premier Business), and various card products (credit cards, debit cards, prepaid cards). Business-specific offerings include financing solutions (Finanziamenti Business with leasing and factoring), payment terminals (Nexi SmartPOS and Nexi Mobile POS), and dedicated business services. The bank also provides wealth management advisory, mortgage products with refinancing options, insurance products, and pension planning services. Digital channels include the App Mediobanca Premier mobile app and Area Clienti Business online banking platform with multi-channel access through branches, Financial Advisor offices, and telephone consulting.

Differentiator

Problem solved

Functional benefit

Brands

• Conto Premier: The most complete current account offering access to valuable services for retail customers.
• Conto Deposito
• Conto Premier Business
• Dossier Titoli Premier Business
• Conto Deposito Business
• Conto Corrente Premier Business
• Finanziamenti Business
• POS Nexi
• Carta di Credito Nexi Business
• Carta di Debito Business
• Area Clienti Business

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• NexicoreTechnology or IntegrationStrategic partnership for POS terminal solutions including SmartPOS (fixed/mobile with dual touch screens, Wi-Fi/4G) and Mobile POS (compact contactless reader). Nexi provides payment processing infrastructure while Mediobanca Premier offers terminals to business customers. App Nexi Business enables transaction monitoring and business analytics.
• Apple PaycoreTechnology or IntegrationMobile payment integration allowing customers to pay with iPhone, Apple Watch, iPad, or Mac at contactless terminals worldwide through Mediobanca Premier debit and credit cards.
• Google PaycoreTechnology or IntegrationMobile payment integration for Android devices enabling contactless payments through Mediobanca Premier payment cards.
• Samsung PaycoreTechnology or IntegrationMobile payment integration for Samsung devices allowing card digitization and contactless payments through Mediobanca Premier cards.
• TelepassminorGTM or Marketing PartnerExclusive promotion for Mediobanca Premier customers offering free Telepass Family device subscription for 12 months. Valid until September 9, 2026.
• Gruppo Monte dei Paschi di SienacoreOthersParent banking group (Gruppo Bancario Monte dei Paschi di Siena) registered in the Bank Groups Register under number 1030. Mediobanca Premier operates as part of this major Italian banking group.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Widiba: Italian digital bank with online/advisor hybrid model focused on affluent investors and integrated investment, savings, and credit products - comparable in target segment and advisor-led value proposition.
• CheBanca!: Mediolanum-owned Italian retail bank targeting affluent and mass-affluent customers with multi-channel advisory, investment funds, and wealth management services - direct rival to Mediobanca Premier's Premier positioning.
• Banca Mediolanum: Italy's leading mass-affluent bank built around a national Financial Advisor network with banking, investment, and credit products - the closest direct analogue to Mediobanca Premier's multichannel, advisor-led model.
• BPER Banca: Mid-sized Italian retail and corporate bank providing current accounts, mortgages, wealth management, and digital banking across regions - directly overlapping with Mediobanca Premier's offering breadth.
• FinecoBank: Italian retail bank and broker with heavy weight in affluent investors, advisor-assisted investing, and multi-currency/multichannel access; competes directly for wealth management and affluent retail deposits.
• Banco BPM: Italian top-3 retail and SME bank with national branches and wealth management; directly comparable to Mediobanca Premier's combination of retail accounts, business banking, and advisory services.

Broad incumbents

• Banca Monte dei Paschi di Siena (parent): Parent banking group; provides the branch network, regulatory charter, and capital backing under which Mediobanca Premier operates, and shares much of the customer base and product set.
• Intesa Sanpaolo: Italy's largest retail and corporate banking group with nationwide multichannel distribution and dedicated affluent/private banking offerings; directly comparable to Mediobanca Premier across retail accounts, wealth management, and SMB banking.
• UniCredit: Major Italian and pan-European bank with a strong retail, SME, and wealth management franchise in Italy; competes across nearly all of Mediobanca Premier's product and customer segments.

Regional players

• Credem (Credito Emiliano): Italian retail and private bank with strong affluent and SMB banking franchise, advisor networks, and integrated insurance/investment products; competing overlap with Mediobanca Premier's affluent and business segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/mediobanca-premier

Revenue estimate

Valuation estimate

Number of profiles

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 Mediobanca Premier