Interbank Register of Bad Cheques and Payment Cards

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What is the service?

The service offers the possibility to verify personal information in the Register’s database, to check the regular circulation of bank and post office cheques and payment cards, and to request clarification on how the Register operates. The service is free of charge.

The Interbank Register of Bad Cheques and Payment Cards is operated by the Bank of Italy. Its electronic database contains:

  • the identifying particulars of persons who have written bank or postal cheques lacking authorization or funding
  • the identifying data of bank or postal cheques lacking authorization or funding
  • the identifying data of bank and postal cheques not returned after the revocation of authorization
  • the identifying data of bank and postal cheques that have been reported as lost or stolen or have been blocked for other reasons
  • the identifying particulars of persons whose authorization to use payment cards has been revoked
  • the identifying data of payment cards revoked and those reported as lost or stolen
  • the identifying particulars of persons who have been fined or subjected to accessory administrative sanctions by the prefect of police for issuing bank or postal cheques lacking authorization or funding
  • the identifying particulars of persons subjected to penal sanctions by judicial authority for violation of the obligations imposed as accessory administrative sanction.

The Register thus serves the purpose of preventing and fining the irregular use of bank and postal cheques and payment cards, enhancing the security of these instruments and increasing users' confidence in them.

Who can use it?

  • Natural persons under whose names the information is registered, or their heirs (including presumptive heirs), tutors, guardians and trustees.
  • Legal persons, such as companies, associations, entities and organizations, whose data can be requested by the natural person empowered to do so under their statutes or rules.

How?

  • By requesting access to the Bank of Italy. Application forms can be downloaded from this page or collected at any branch of our institution. The request can be transmitted by post, certified e-mail or fax to any branch of the Bank of Italy that provides the service, attaching a photocopy of the applicant's identity document. The response will be sent to the postal or certified e-mail address specified in the request. Alternatively, the request can be submitted in person at any branch that provides the service; applicants must provide an identity document and the tax code. Besides, an agent can apply on someone’s behalf; the agent must provide a proxy and a photocopy of the principal's identity document. On request responses can be sent by post or certified e-mail.
  • By requesting access to the private-sector reporting institutions (banks, post offices and supervised financial intermediaries issuing payment cards), which ought to o provide the personal data on file and can allow the applicant to consult data on payment cards and bank or postal cheques that have been lost, stolen, or blocked or are otherwise unauthorized.
  • On the website of SIA, where, by entering the cheque number, it is possible to check its regular circulation. The data are updated daily.

Helpful information

Responsibility for the correctness of data entered in the database is assigned to reporting entities in the private sector (banks, post offices and supervised financial intermediaries issuing payment cards) and the public sector (prefects, the judicial authorities). Any objections or requests for correction or deletion must therefore be addressed to the reporting entities, which must delete or correct erroneous information s promptly.

In defense of one’s own rights and interests, applicants can appeal to the Arbitro Bancario Finanziario (ABF - Banking and Financial Arbiter, an independent body for out-of-court settlement of disputes between customers and banking or financial intermediaries), to the Garante per la protezione dei dati personali (Italian Data Protection Authority), or to the courts.

Forms (only in Italian)

Related Topics

Interbank register of bad cheques and payment cards

At the Bank of Italy is set up a computerised archive of bank and postal cheques and payment cards (called Centrale di allarme interbancaria – CAI); it constitutes a service of general economic interest whose purpose is to ensure smooth operation of the payment system.

Branches

The Bank of Italy operates throughout the country via its branches located in the regional capitals and in some provincial capitals.

Credito alla clientela Central Credit Register

The Central Credit Register is an information system on the debt of the customers of the banks and financial companies supervised by the Bank of Italy.