All adult customers and residents in Italy who do not have overdraft balances at the time of the request and meet at least one of the following characteristics: have held a Widiba account for at least 2 years, have been provided a Findomestic personal loan for Banca Widiba, have received at least 2 salary payments credited on the Widiba account in the last 3 months, or have Time Deposits or securities for an amount at least equal to or greater than € 3,000. The request is subject to approval by Findomestic.

Visit the Banca Widiba My Instant Credit section> How it works. Send your activation request for the line of credit here, or from your Widiba app!

È molto semplice utilizzare My Instant Credit: direttamente dalle notifiche push ricevute dopo il pagamento oppure è sufficiente selezionare il pagamento che si vuole rateizzare accedendo a Lista movimenti, alla sezione My Instant Credit o alla sezione I miei pagamenti, anche da app. È possibile inoltre rateizzare i pagamenti disposti da home banking (bonifici, pagamento bollettini, F24 etc) subito dopo l’esecuzione. Una volta selezionata la spesa è sufficiente scegliere il piano di rimborso (3-6-9-12 la durata proposta potrà variare in base all’importo da rateizzare e della scadenza della linea di credito. L'ultima rata del piano non può pertanto avere una data superiore alla scadenza della tua linea) e confermare. L’importo sarà immediatamente riaccreditato sul tuo conto corrente e le rate saranno addebitate ogni 5 del mese per tutta la durata del piano di rimborso che hai scelto. Rimborsando mensilmente le rate sarà ripristinata la disponibilità della tua Linea di Credito.

The credit line is € 1,500. You can check the remaining balance and the status of instalments already made in the My Instant Credit> Manage instalments section.

You can simultaneously pay up to a maximum of 5 payments in instalments for a total of € 1,500.

If your application is approved immediately, you will be able to make one payment in instalments. Once you have received confirmation that the credit line has been opened, you will be able to simultaneously pay up to a maximum of 5 payments in instalments, for a total of € 1,500

In most cases, the request to activate the credit line is immediate. In some cases, however, Findomestic may perform additional assessments that require more time.

The amount of all active instalment payments will be debited on the 5th of the month following the date of payments made.

You can pay all current account payments in instalments, such as bank transfers, credit card charges, MAV, RAV, debit card withdrawals and payments, payment of utilities and/or taxes.

Requests for instalments can be made immediately once the service is active.

La linea di credito ha durata 5 anni.