Support for families, young people, the elderly, people affected by natural disaster and remittance management


Image of a family

To meet the needs and difficulties of families and the most vulnerable social groups, Intesa Sanpaolo guarantees innovative financial solutions, by also adhering to different types of support initiatives at the banking system level, such as the set-up of guarantee funds and the option of a temporary suspension of the payment of mortgage instalments for households affected by job losses or pay cuts.

Support to families

Intesa Sanpaolo participates in the Guarantee Fund for Main Home Purchases, established by the 2014 Italian Stability Law. The so-called “Sostegni-bis” Italian Decree published in May 2021 refinanced the Fund for the years 2021 and 2022.

Also in 2022, the Bank offered mortgages to priority individuals at favourable conditions ranging from exemption/cancellation of the substitute tax, to the possibility of accessing high Loan To Value (LTV) also with the guarantee of the State and the benefit of very competitive rates. As at December 2022, almost 39,000 mortgages were disbursed with a value of about 5 billion euro.

The Group also signed up to the Agreement for women victims of violence which ABI and the main trade unions also signed. For women included in certified security programmes, who are in economic difficulty, the agreement provides for the suspension of repayment of the principal in mortgages and personal loans for a period of 18 months. When signing up to the Agreement, the Bank also provided for the suspension of the entire instalment to offer greater support. In November 2021, the protocol was extended for a further two years.

in October 2022 Intesa Sanpaolo prepared a package of aid, totalling 8 billion euro, to assist households following the significant increase in energy costs (higher electricity and gas bills) and main consumer goods. The initiative is organised around three main measures:

  • promotion of “XME Spensierata” (from 1 October to 31 December) to pay expenses and energy bills by instalments and to ask for immediate liquidity at zero interest rate with repayment in 3 or 6 months;
  • new personal loan “Oggi Insieme” (from 1 October) which can only be taken out at branches for amounts of up to 6,000 euro for 20 years with a highly discounted rate and dedicated to families with an ISEE of less than €40,000;
  • flexibility options (from 1 October to 31 December) with no charge for existing mortgages and new mortgage applications.
Usury prevention

Agreements with Foundations and Associations (e.g. Adiconsum, Exodus 94, Fondazione San Nicola Medici, etc.) foster credit inclusion for disadvantaged individuals and companies. The guarantees financed with the Usury Prevention Fund allow loans to be raised from the banking system, thus preventing the financial exclusion of weak individuals who might otherwise turn to illegal credit channels.

Young people

Image of young people

It is essential to invest in young people, giving them a sign of confidence and involvement, to promote new ways of communicating and interacting with the future customers.
For this reason we have developed a specific product range:

  • “Mutuo Giovani” dedicated to young people under 36, with an offer that facilitates this customer segment in the purchase of their first home, accepting requests up to 100% of the property value and providing for subsidized rates, zeroing of preliminary investigation costs and installment collection costs. It can also be requested by workers with atypical contracts and with increasing protection. Mutuo Giovani has thus gained a position on the market which sees the Group as the main lender of this customer target. Disbursements in December 2022, also considering the First Home Guarantee Fund, amounted to approximately 6.9 billion euros to over 53,535 young people; also for the year 2022, the Bank has extended the exemption from the substitute tax to its customers under 36 who take out a Young mortgage and do not meet the requirements set forth in article 64, paragraph 6 of Legislative Decree no. 73 25 /05/2021.
  •  “XME Prestito Giovani” can also be activated via the App or via the Internet and provides for favourable terms and allows, at no additional cost, to defer payment of instalments or change the amount as needed and can also be applied for in the case of a fixed-term or atypical employment contract or if the person is a freelancer. The “StudioSì” initiative is also added to the offer, which supports students engaged in tertiary education courses consistent with the National Smart Specialisation Strategy (NSSS), who are resident or enrolled in universities in certain Italian regions. The initiative allows for the granting of zero-interest loans to university students, up to 50,000 euro to be repaid in a maximum of 20 years without guarantees, to cover tuition fees, purchase of books and other costs associated with studying. Furthermore, with reference to the Fund for Impact, one should also note the “Per Merito” loan, which facilitates young students gaining access to studies;
  • "XME Conto Under 35” and “XME Conto UP!” (dedicated to minors): the complete range of accounts specifically reserved for young people, which follows young people as they grow, without neglecting the transition to majority age. These are accounts that both offer free current account fees, free debit cards (XME Card Plus), free ATM transfers and withdrawals and with tax paid by the Bank. Commissions on other payment services (for example the prepaid Flash Nominativa card) have also been eliminated since 2022.
  • For the target of young people, useful solutions continue to be proposed in providing families with completely digital tools, to support financial education, and usable from Internet Banking and APPs.
  • “SMART SAVE”, the first of the investment services designed from a digital perspective that allows customers to subscribe to funds starting from 5 euros and to manage all transactions directly via the App; 
  • The pre-paid “Flash Up Studio” card for students attending the partner Universities. It can be requested free of charge directly via the App: it can be used to make payments, receive scholarships, any emoluments and, if applicable, allows the holder to use university services and access University premises.
Innovation and financial

In the field of innovation combined with financial education was realized within the App Intesa Sanpaolo Mobile, the Smaller version of the digital wallet XME Wallet with the aim of providing the minors holders of XME Account UP! With more than eight years and a certified mobile phone, the first "digital" banking tool that allows you to:

  • manage by App (within the limits of operation allowed to this target) bank reports
  • making financial education, accompanying the child in the path of accountability, independence and conscious management of their relationships and financial resources.

Not only services and solution dedicated to young people, but also a new communication language at Branches and online, with a dedicated section of the Bank’s website, a Facebook page and a Twitter account , which allow young customers to request information and insights as well as assistance on products and initiatives dedicated.

Training support

The Bank's ongoing commitment to fostering the educational development of young people, including post-graduate students, finds expression in "Per Merito", a product that is aimed, by allowing access to credit, to particularly deserving students from every university and faculty, including who wish to enroll in foreign universities or masters, in any economic and social condition, as the loan does not require any personal or family guarantee.

Also in the field of training, in 2021, within the Fund For Impact, "Per Crescere" -a loan dedicated to parents with children of school age- was made available, aimed at supporting training and education costs such as language courses or expenses. for psychomotor and speech therapy. Families with ISEE not exceeding 40,000 euros can access it, who are granted a credit line of 2,000 or 3,000 euros per year for a maximum period of 5 years. At the end it is possible to return the sums used in 15 years.


Image of a senior

The products and services dedicated to this type of customer take into consideration specific needs of simplicity and enhancement of the relationship with the Bank which has been consolidated over time. Among the dedicated products: 

  • Pension Card: prepaid card, offered free of charge to over 60s, which allows you to make payments, receive credit for your pension, receive and make transfers, domiciliary utilities. The range dedicated to Senior customers is completed by the Basic Account created in compliance with regulations introduced in 2012 for the purpose of financial inclusion. The account is dedicated to customers with limited banking needs and provides for low management costs, in particular for socially disadvantaged customers and, given the purposes of this product, Intesa Sanpaolo has made the Basic Account even more convenient, guaranteeing a greater number of transactions free of charge with respect to the limits established by law.
  • In terms of financing, the Obiettivo Pensione allows you to meet the contribution requirements for obtaining a pension. It is aimed at non-employed senior customers who have no less than 6 months and no more than 3 years to go to the INPS old-age or early retirement pension. Thanks to Obiettivo Pensione it is possible to pay the social security contributions necessary to reach retirement. The debt can be repaid with the Prestitalia Fifth Pension Transfer, at a fixed and dedicated rate, with a maximum duration of 10 years or alternatively / in addition, a personal loan with a maximum duration of 10 years. 
  • PerTe Lifetime Loan: medium-long term loan regulated by law 44/2015, dedicated to customers over 60 owners of a property for residential use. It aims to meet different needs of the elderly concerned, such as for example. that of supplementing one's income, safeguarding and improving the standard of living, facing periodic healthcare expenses or supporting one's family members. Against a first degree mortgage, it allows you to obtain liquidity by converting part of the value of the property as collateral into money. It also represents an advantageous alternative to bare ownership.

Families and operators affected by natural disaster

Image of a man that is working in rebuilding a house

We have confirmed our concrete and tangible commitment alongside families and economic operators affected by environmental calamities or other catastrophes that have affected various areas of the Italian territory, in 2022, such as the Marches, the province of Trapani, the island of Ischia and the regions particularly affected by drought (Emilia-Romagna, Friuli-Venezia Giulia, Lombardy, Piedmont and Veneto), through the activation of dedicated plafond, the provision of new subsidized loans intended for the restoration of damaged structures (houses, shops, offices, craft workshops, companies), moratoriums on ongoing loans, interventions in the field of protection and preferential, simplified and fast procedures.


Image of a family

Intesa Sanpaolo has developed an offer of various services that best meet the needs expressed by migrant customers (at the end of 2019, about 1.2 million customers) who want to transfer their savings in the countries of origin.

The services offered are essentially structured as follows

  • Express to Family allows the transfer of money to the Intesa Sanpaolo Group Banks in Albania, Egypt, Serbia and Ukraine
  • GetMoney to Family allows you to send money to the main countries of origin of migrants (Bangladesh, Brazil, Bulgaria, Ecuador, India, Morocco, Moldova, Peru, Thailand, Tunisia, Ukraine, Vietnam) thanks to cooperation agreements with banks on site
  • Money Transfer Western Union, thanks to the extensive network of agents allows to transfer money around the world even in areas that, due to the low presence of banks and financial institutions, do not allow the profitable use of traditional banking services.

Also in 2022, to facilitate customers in this difficult period, an agreement was reached with Western Union to cut costs to 0% or 50% for remittances made through Money Transfer during the period June - October. During 2022, about 57,000 remittances were made for a total of almost 36 million euro.

Permanent observatory on financial inclusion project

In recent years, interest and attention to the issue of financial inclusion has grown. Various national and international initiatives, also of a regulatory nature, have brought to light the role that financial inclusion can have in reducing inequalities and in full access to rights.

In 2021, a Permanent Observatory on Financial Inclusion was set up to systematize the connections between all the players met over time in the working groups, inside and outside the Bank, in institutions, research centres, universities, foundations and in order not to waste the wealth of people, proposals and knowledge acquired with the first phase of the study project on the financial inclusion of migrants (2018-2020).

The objective of the Permanent Observatory, in addition to constantly monitoring the phenomenon of financial exclusion and measuring the effectiveness of the measures and strategies adopted, is therefore to facilitate network connections and the advancement of concrete proposals at system level. A second phase of the project was launched in 2023 with the provision of a new edition of the 2018 study, updating the work to the latest data available after the pandemic crisis and the subsequent one crisis linked to the Ukrainian conflict which had a significant impact on migrants.

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