Dear current account: spending has risen by 23 per cent in 10 years
Over the past decade, the costs of managing current accounts have risen significantly, whilst the value of household deposits varies considerably across Italy’s regions
Current accounts are expensive: in Italia, the cost of maintaining a current account has risen by 23 per cent over the last 10 years, whilst over the same period the value of household bank deposits has grown, reaching nearly 1,163 billion euros in 2026, albeit with huge regional variations.
The Adusbef study
The figures come from Adusbef (the Association for the Protection of Banking Service Users), which has carried out a study to analyse trends in current accounts in Italia. According to the latest figures from the Bank of Italia, the cost of maintaining a current account has risen by 23 per cent over the past 10 years, from an average of €82.2 to €101.1, the association explains.
The Adusbef study then analyses the value of bank deposits, that is, the sums that Italian households have available in their current accounts (excluding interest-bearing or restricted forms of liquidity).
Italian households’ deposits
As at 31 May 2026, households held a total of 1,163 billion euros in bank accounts, but there are very marked regional differences. Lombardy, with deposits totalling almost 239 billion euros, accounts for 20 per cent of all wealth held in Italian current accounts, followed at a considerable distance by Lazio (122 billion) and Veneto (105 billion). Bringing up the rear is the Aosta Valley with around 2.8 billion.
Bolzano: the ‘richest’ province
However, if we consider the value of current accounts in relation to the resident population in the various regions of Italia, we find that the ‘richest’ province in terms of money deposited in banks is Bolzano, with an average of almost 30,400 euros per capita. The province with the lowest average current account balances is Crotone, with an average of €9,679 per resident.
