Widiba review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Widiba suits Italian adults who would rather deal with a bank than a broker. A mortgage fixed at 3.48% for 20 reaches 80% of the property, and a personal loan of €1,000 to €40,000 can be repaid over 12 to 120.

Key facts

Best for
Italian mortgages fixed for a long term and fee free personal loans handled by a single licensed Italian bank.
Initial rate
3.48% (Source, checked September 26, 2026)
APRC
3.66% (Source, checked September 26, 2026)
Fixed period
20 years (Source, checked September 26, 2026)
Maximum loan to value
80% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Banca Widiba S.p.A. (Source, checked September 26, 2026)
Headquarters
Italy (Source, checked September 26, 2026)
Founded
2013 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Official website
widiba.it

Loans

APR
10.42% (Source, checked September 26, 2026)
Loan amount
€1,000 to €40,000 (Source, checked September 26, 2026)
Term
12 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0.00 EUR (Source, checked September 26, 2026)
Funding time
My Instant Credit rateisation requests can be immediate in most cases and the amount is credited straight to the Widiba account (Source, checked September 26, 2026)
Representative example
Personal Loan Findomestic: total credit EUR 10,000 repayable in 84 instalments of EUR 165.80, fixed TAN 9.95%, TAEG 10.42%, total amount due EUR 13,927.20 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Adults resident in Italy; My Instant Credit is for Widiba current account holders with a permanent contract, income and no overdrafts, with the account open 2 years plus or 2 salary credits in the last 3 months (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Banca Widiba S.p.A. (Source, checked September 26, 2026)
Headquarters
Italy (Source, checked September 26, 2026)
Founded
2013 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line, Same-day funding

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataTrustpilotLinkedInX

Pros and cons

Pros

  • Early repayment is free on the personal loan, so a large remaining balance can be cleared ahead of schedule without any charge.
  • An origination fee of 0.00 EUR on the personal loan and a product fee of €0 on the mortgage keep set up costs low.
  • My Instant Credit requests can be immediate in most cases, and the borrowed amount is credited straight to your Widiba current account.

Cons

  • Borrowing caps at 80% of the property value, which is below the 90% median across the mortgages listed here.
  • The personal loan rate of 10.42% sits well above the 6.13% lower quartile of the loans compared on the site.
  • A branch counter is not among its support channels (email, chat and phone), so help stays remote for every enquiry.
Widiba

Ready to try Widiba?

Scored 9.1 / 10 by BorrowCue.

See alternatives

Who it suits

  • Italian adults buying or remortgaging who want the rate held at the same figure for 20 from the start of the deal.
  • Existing Widiba account holders with a permanent contract who would rather draw on a revolving credit line than apply for a new loan.
  • Anyone planning home improvement work, which is the stated use for the personal loan side of the range.

Who should look elsewhere

  • Prestalo, if a 2.36% initial rate matters more to you than a personal loan with an origination fee of 0.00 EUR.
  • Sofkredit, whose initial rates of 8% to 14% sit above Widiba's 3.48% across the range listed on its site.

Where it sits among rivals

On APRC, Widiba sits at position 27 of 145 brands compared here. Its fixed period ranks at 61 of 259, so a long stretch of fixed pricing is among its stronger features. The initial rate is more middle of the pack at 82 of 297, and the maximum loan to value ranks at 186 of 293.

How Widiba compares

Where Widiba is available

Available
Italy
Licence in Italy
Banca d'Italia (5760 (Albo delle Banche n. 5760, ABI 3442.1)), checked September 26, 2026
Licence in Italy
IVASS (D000495877 (Registro Unico degli Intermediari assicurativi e riassicurativi, sezione D)), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to borrow from Widiba?+

The personal loan carries an origination fee of 0.00 EUR and the fixed rate mortgage a product fee of €0. Early repayment is free on the personal loan, so clearing a balance early carries no charge.

Is the rate fixed or can it change?+

Widiba lends at a fixed rate, so instalments do not move with market rates. On the mortgage the initial rate is 3.48% and the annual percentage rate of charge is 3.66%, held for 20. The personal loan runs at 10.42%.

How much can I borrow and over what term?+

Personal loans come in amounts of €1,000 to €40,000, repaid over 12 to 120. The mortgage takes a fixed period of 20 and lends up to 80% of the property value. A revolving credit line sits in the personal, credit line and debt consolidation range, with home improvement as the stated use.

What does the worked example show?+

The example sets out the amount of credit, the number of instalments, the instalment amount and the total repayable, alongside a fixed nominal rate and an annual rate of 10.42%. Comparing the total repayable with the amount borrowed shows the cost in cash terms.

Who regulates Widiba?+

Widiba is authorised and supervised by Banca d'Italia, with the bank register entry 5760 (Albo delle Banche n. 5760, ABI 3442.1). It also appears in the Italian register of insurance intermediaries under IVASS. As a regulated bank rather than an intermediary, you deal with the bank itself.

Who qualifies for My Instant Credit?+

My Instant Credit is aimed at Widiba current account holders with a permanent contract, income and no overdrafts on the account. You also need the account open for a minimum period, or recent salary credits paid into it. Applicants must be adults resident in Italy.

How quickly is the money paid out?+

My Instant Credit requests can be immediate in most cases, and the amount is credited straight to the Widiba account rather than elsewhere. The credit line and same day funding list pairs the credit line with same day funding, which is the point of the product for existing customers.

How much of a property will Widiba lend on?+

The fixed rate mortgage lends up to 80% of the property, which is below the 90% median across the mortgages listed here. It is offered for purchase, remortgage and first time buyer purposes, so most mainstream home moves are covered.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Widiba

Widiba

Italian mortgages fixed for a long term and fee free personal loans handled by a single licensed Italian bank.

9.1/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings