Lending to families, young people, vulnerable and underserved individuals

Intesa Sanpaolo provides tailor-made financial solutions to facilitate access to credit for vulnerable or disadvantaged people.

UN SDG SUPPORTED

Support for people in vulnerable conditions is achieved through projects and initiatives aimed at promoting financial inclusion and access to credit, including through agreements and synergies with local actors and participation in public and system initiatives.

For young people, Intesa Sanpaolo offers additional forms of economic support to facilitate access to financial services and housing. These include:

• Mutuo Giovani: an offer that helps this segment of customers (under 36) in purchasing a home, financing 100% of the purchase of homes at favorable conditions, facilitating the purchase of a home;
• Guarantee Fund for the First Home: the Intesa Sanpaolo Group adheres to the Guarantee Fund for the First Home, established by the 2014 Stability Law. This fund has been renewed over the years and with Law no. 207/2024 has been extended until the end of December 2027. Thanks to membership in this Fund, the Bank offers support to families through mortgage solutions at favorable conditions for borrowers who meet the access requirements (e.g. single-parent families with minor children);
• XME Conto UP!, a free banking account for minors.
• Flash Up Studio, a prepaid card tailored for university students;
• SMART SAVE, the first of the investment services designed from a digital perspective that allows customers to subscribe to funds starting from 5 euro and to manage all transactions directly via the App. During 2025, 3,188 contracts were signed.