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.

Favourable conditions mortgages

Faced with the health emergency for Covid-19, the Bank has provided for the suspension of the payment of the loans also following the ABI agreements to which it adhered.

We offers 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. In 2021, 4,488 mortgages of a value of almost 500 million euro were issued.

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.

Support for employees

Intesa Sanpaolo has for some years operated the “Anticipazione Sociale” project, designed for redundant workers who receive their INPS benefits 7-8 months after applying. “Anticipazione Sociale” offers the opportunity to open credit facilities with favourable terms, until their redundancy benefits arrive from INPS. 

Through agreements signed with the Piedmont, Emilia Romagna, Tuscany and Veneto Regions, the worker does not bear any charges as these are covered by the project partners.  
Since 1 June 2021, the Group has provided the free extension of Intesa Sanpaolo health insurance policy coverage to include COVID-19.

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. Following the Legislative Decree no. 73 of 25 May 2021, the offer has been enriched with the possibility of accessing the first home guarantee fund which covers up to 80% of the loan capital for loans with LTV> 80%. Only subjects identified as priority and in possession of an ISEE not exceeding 40 thousand euros per year access this guarantee which provides for subsidized rates, the elimination of preliminary investigation costs and installment collection costs. For under 36 underwriters of Mutuo Giovani, who do not fall within the exemptions provided for by the legislation, the Bank has also activated an initiative to reset the substitute tax. This product has allowed the Group to position itself as the main lender of this target customer.
  • “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.
  • "XME Conto Under 35” and “XME Conto UP!” (dedicated to minors) offer current account fees, a debit card, bank transfers and ATM withdrawals free of charge and with tax paid by the Bank. The main news introduced at the end of 2021 is the complete free of charge of the monthly current account and XME card plus fee for online openings of the XME Conto together with the card. For holders of XME Conto Under35 and XME Conto UP! it is also possible to purchase a free nominative Flash Card with zero online top-up costs.
  • “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.
  • XME dindi. Addressed to the little ones, the technological piggy bank that in addition to the traditional functions of collecting coins and banknotes, if connected to XME Piggy bank, allows you to set provisions, either impulse or automatic, thanks to the rounding off of payment transactions made with cards.
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.

The first point of attention is the aspect of costs, which Intesa Sanpaolo has contained to a minimum: on XME Account, flexible current account, subsidized conditions for young people up to 35 years, low management costs for financing products, savings, pension and protection and XME UP account!, account for minors completely free. In addition, on both types of accounts, up to the competition of the maximum age of product membership (18 and 35), stamp duty is paid by the Bank.

Savings plan

In terms of savings, the possibility to invest small amounts of money over time, even without a significant initial outlay, offers the opportunity to start a savings plan, laying the foundation to build a capital in the medium / long term.

In terms of the pension offer, the open pension fund, "Il Mio Domani" and the individual pension plan, "Il Mio Futuro" - provide for members under 25 a discount on the annual administrative management fee.

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.

In 2021, the main novelties included the introduction of some innovations aimed at transferring a significant part of transactions online and the activation of new partnerships with numerous training institutions for the inclusion of higher education courses within the scope of the loans.

As part of the Fund for Impact, alongside this product in 2020 we launched XME StudioStation, a loan for families to support distance learning. In 2021, € 0.5 million was disbursed.

Also in the field of training, in 2021, within the Fund For Impact, 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.
In addition to the offer, not in the context of the Fund for Impact, there is also the StudioSì initiative, which supports students engaged in tertiary education courses consistent with the National Smart Specialisation Strategy (NSSS).


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", and "Pension Book for You". The range dedicated to Senior customers is completed by the Basic Account created in compliance with regulations introduced in 2012 with the aim 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 the legislation.
  • 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 disasters or other disasters that have affected the Italian territory, such as the extraordinary atmospheric events that in 2021 affected the provinces of Ragusa and Catania, Northern Italy (Como and the Veneto Region), the Oltrepò Pavese, and the fires that hit Sicily and Sardinia, through dedicated plafond and new subsidized loans for the restoration of damaged structures (houses, shops, offices, craft workshops, companies), moratoriums on current loans, protection interventions in the area of ​​protection and preferential procedures, simplified and fast. 


Image of a family

Intesa Sanpaolo has developed an offer of various services that best meet the needs expressed by immigrant 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 2021, to facilitate customers in this difficult period, an agreement was reached with Western Union to cut costs to zero for remittances made through Money Transfer throughout the first half of 2021. Conversely, in the second half of the year, the Welcome initiatives were launched, providing zero-commission remittances for new customers signing up to the Money Transfer service. During 2021, over 72,000 remittances were made for a total of almost 42 million euro.

Permanent observatory on financial inclusion project

In 2021, a Permanent Observatory on Financial Inclusion was established to systemise the connections between all the actors met in the past in various working groups, inside and outside the Bank, in institutions, research centres, universities, foundations and so as not to lose the wealth of people, proposals and knowledge acquired with the study project on financial inclusion of migrants (2018-2020). It is a project that aims to turn the systemic approach into a method of study and work and to enhance and structure these experiences, with shared logic, procedures and proposals. It is believed that such a method can be a key factor in structuring the experience of the project on the financial inclusion of migrants compared to other “vulnerable” segments of the population. The objective of the Permanent Observatory, in addition to constantly monitoring the phenomenon of financial exclusion and measuring the effectiveness of the adopted measures and strategies, will therefore be to facilitate network connections and the progress of effective proposals at the system level.

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