Complaints concerning banking and financial services

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Useful information

In case of problems with a bank or an intermediary, the customer can do the following:

  • Submit a complaint directly to the intermediary;
  • Appeal to an alternative system of dispute resolution;
  • Submit the dispute to the civil courts.

All intermediaries are required to establish a complaint office which must respond to customer's complaint within 30 days from the date in which the complaint is received. Usually, the information on the complaint office and on how to submit a complaint are available on the intermediary's website.

If the intermediary does not respond to the customer, or if the customer is not happy with the reply, he or she can appeal:

  • To one of the alternative systems for dispute resolution;
  • To the civil courts.

The Arbitro Finanziario e Bancario (Financial and Banking Ombudsman) has been created in 2009 as an alternative system of dispute resolution between customers and intermediaries. If the complaint falls within the jurisdiction of the ABF, it can be dealt with in a short time and at a low cost (20 euros). The information concerning the functioning of the ABF and on how to file an appeal can be found on the ABF website ( The customer can also submit a complaint to the Bank of Italy.

Information about the complaint

By submitting a complaint to the Bank of Italy, the customer can report  behaviors by the banks or financial intermediaries  that he or she deems irregular or wrong. The complaints are a very important source of information allowing the Bank of Italy to perform its Supervisory Function. Pursuant  to Law no. 241 of 1990, the submission of a complaint does not start an administrative procedure.

Who can submit a complaint

Customers that wish to report an irregular or wrong behavior by a Bank or a Financial intermediary can submit a complaint.

How to submit a complaint

The complaint must address specific elements concerning the financial and bank services on which the customer has identified irregular or wrong behaviors by banks and/or financial intermediaries.

The complaint must:

  • Rightly identify the claimant (by hand signature or certified electronic signature or by sending an identification document or by using PEC - certified email address):
  • Indicate the intermediary(ies) involved;
  • Briefly and clearly summaries the reasons for the complaint.

Requests for data, information and advice as well as regulatory issues not detailing any irregular or wrong conduct are not considered as complaints by the Bank of Italy.

In order to submit a complaint to the Bank of Italy, customers can use:

  • regular mail;
  • fax;
  • hand delivery,  
  • e-mail from a certified email address (PEC);
  • e-mail from a regular email address, signed with a certified electronic or digital signature.

Whenever possible, the complaint should be submitted or carried to the local branch of the Bank of Italy where the intermediary has its headquarters. In order to find out where the intermediary's headquarters are located, the lists and register of the supervised intermediaries can be consulted. In this page, contact details of the local branches of the Bank of Italy can also be found.

Complaints can be sent to the Consumer Protection and Anti-Money Laundering Directorate of the Bank of Italy.

Via Milano 64, 00184 Rome

Certified email (pec):

More useful information

What the Bank of Italy can do upon receiving a complaint

Upon receipt of a complaint, the Bank of Italy usually sends a copy to the intermediary requesting the intermediary to timely and thoroughly respond to the customer; it investigates the issues reported and checks that the relations between customers and intermediaries are sound; and it may collect further elements to carry out its supervisory function. In case the Bank of Italy is not competent to deal with a complaint, it forwards it to the competent authority, if not already engaged, and advises the customer accordingly.

What the Bank of Italy cannot do upon receiving a complaint

It is important to underline that the Bank of Italy:

  • Does not make any decision concerning the contractual relation between the intermediary and the customer, nor does it carry out any evaluation concerning the autonomy of the intermediaries, such as the credit score of the intermediary's customers;
  • Does not disseminate the outcomes of its investigations on the intermediaries;
  • Does not usually respond to complaints on issues already investigated by the Judiciary authority;
  • Does not investigate the same complaint twice, unless new elements have been presented.

Using the form to submit a complaint to the Bank of Italy

It is not compulsory to use this form to submit a complaint to the Bank of Italy, but by doing so the information will be guided, clear and complete, which will make handling the complaint easier for both the Bank of Italy and the intermediary, to which the form is forwarded.

To locate the intermediary's headquarters

To find the competent local branch of the Bank of Italy

Privacy policy

The other authorities and their field of competence

There are other authorities that carry out their supervisory function on banking and financial intermediaries in other fields of competence

Related Topics


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

Internal and external whistleblowing

Employees and consultants of a financial intermediary supervised by the Bank of Italy, as well as other individuals, may report any regulatory violations and misconduct in management by following a few simple rules.

Appeal to the Banking and Financial Ombudsman

The Banking and Financial Ombudsman (ABF) is an alternative dispute resolution system for customer complaints about banks and other financial intermediaries. There are seven regional boards, located in Bari, Bologna, Milan, Naples, Palermo, Rome and Turin.