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Credem review

Updated October 17, 2026 · VaultCue Editorial Team

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Our verdict

Credem is an Italian bank serving people, families and businesses with everyday accounts alongside cards, loans, mortgages and investments. You get online opening for new customers through Credem Link plus dedicated support for personal and business needs in one place.

Key facts

Best for
New customers wanting online banking with Italian bank backing
Official website
credem.it

Pros and cons

Pros

  • Online account option for new customers with digital management
  • Everyday accounts sit beside cards, loans, mortgages and investments
  • Dedicated business account for sole traders and freelance professionals
  • Insurance and investment services support long term financial planning

Cons

  • Online account path focuses on new customers rather than existing holders
  • Italian centred offer gives less scope for international everyday banking
Credem

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Scored 8.0 / 10 by VaultCue.

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Who it suits

  • New customers opening an account online
  • Sole traders and freelancers managing business banking
  • Families combining accounts, cards and loans

Who should look elsewhere

  • People seeking banking outside Italy

Group and culture

Credem Banca belongs to the Credem group, an Italian banking group that serves people, families and businesses. The group has a cultural side, and it offers a series of four exclusive visits that uncover the history of the bank and its artworks. It has also taken part in a national culture initiative run by the banking sector for the fourth consecutive year. Local investment projects include the expansion of a storage facility linked to a dairy producer.

Financial education

Credem also publishes financial education content for everyday money questions. A set of four editorial videos, made with a science communicator, walks through behavioural finance and the risks that can shape personal money choices. Expert answers to common finance questions are also available in video form. The videos encourage viewers to plan their financial future with a calmer mindset. The series treats money decisions as a question of mindset as well as numbers.

Our full take

Credem is an Italian bank offering current accounts, cards, loans, mortgages and investments for individuals, families and businesses.

How Credem compares

Frequently asked questions

What does Credem offer for everyday banking?+

Credem provides current accounts for people, families and businesses, supported by payment cards for daily use. The everyday range sits within wider banking, financial and insurance services. You can organise personal and professional needs through the same bank.

Who can open Credem Link?+

Credem Link is the online account for new customers. It combines digital practicality with the solidity and security of an established Italian bank. It appeals to people who want to start banking online while staying with a traditional bank.

Which business customers does Credem serve?+

Credem serves sole traders, self employed workers and freelance professionals as well as larger companies. A light business account addresses the everyday needs of independent working. Broader advice supports business growth, professional activity and expansion into activity abroad.

What other financial products does Credem cover?+

Beyond current accounts, Credem covers cards, personal loans and mortgages alongside investments. Insurance cover supports personal and family protection. The range lets you combine household and business daily banking with longer term planning within one bank.

Sources

  • credem.it checked October 9, 2026

    Backs: Description

Compiled from 1 source page, checked October 17, 2026. We did not open an account.

Not confirmed yet: Monthly fee, Licence type, Deposit protection, Currency conversion fee, Currencies.

Credem

Credem

New customers wanting online banking with Italian bank backing

8.0/10Visit