Banca AideXa products, services and reviews

About Banca AideXa

Banca AideXa S.p.A. is an Italian digital bank focused on small businesses and self‑employed clients, operating under a full banking license supervised by the European Central Bank and Banca d’Italia and participating in the Italian Interbank Deposit Protection Fund (FITD), which protects eligible deposits up to €100,000 per depositor per bank. The institution concentrates on data‑driven SME lending, using open banking under PSD2 to analyze applicants’ cash flows from linked accounts and, where consented, additional fiscal and invoicing information to streamline underwriting; decisions are delivered quickly and funding timelines are short relative to traditional processes, subject to credit assessment and KYC/AML checks. Credit products are structured for working‑capital and short‑to‑medium‑term needs, with amounts, tenors, interest rates, and fees determined by risk profile and disclosed during the application; early‑repayment rules and any ancillary costs follow product‑specific terms. On the funding side, Banca AideXa gathers deposits via online fixed‑term accounts for savers, with maturities and rates published on its site and subject to change for new subscriptions, while existing contracts keep the agreed rate until maturity. Onboarding for both loans and deposits is fully digital, typically supported by Italian digital identity tools (e.g., SPID/CIE) and strong customer authentication; customer service is provided through remote channels. The bank does not operate a branch network and its offering is narrower than a full‑service retail bank, focusing on streamlined credit and straightforward deposit products rather than day‑to‑day transaction banking; services are targeted at the Italian market and contractual documentation is provided in Italian under local regulatory requirements.