YouApp – Banco BPM Mobile - All-in-one banking app

About the app

YouApp simplifies your life by allowing you to view your Banco BPM current account along with those from other banks all in one convenient application. Thanks to feedback from our users, YouApp is becoming increasingly intuitive and features a modern design!

ONE APP FOR ALL YOUR ACCOUNTS

With YouConnect, you can link your Banco BPM mobile banking to your current accounts and payment cards from other banks, providing you with a comprehensive overview of your balance and transactions.

AUTHENTICATION WITH TOKEN APP

YouApp acts as the free Security Device that replaces the Physical Token. With the Token App, you authorize access and transactions for Internet Banking, generating OTP codes when needed. Moreover, using fingerprint or facial recognition allows you to approve banking operations effortlessly.

In the Expenses section, you can track your household budget. Explore the features designed to help you save, including:

- Manage daily expenses and confirm recurring income and expenditures based on your habits, with forecasts for the current and upcoming months.

- View categorized bank transactions for quicker and more relevant analysis.

- Set limits on your spending and better plan your savings by establishing caps for each category of expense.

- Monitor and predict your monthly trends. In the Financial Summary section, compare this month's performance with the previous two months.

- Save and plan for your goals. Choose a monthly savings amount and we will indicate how close you are to your target and how much you can still spend without exceeding it.

- Discover which brands you prefer by viewing expenditure grouped by brand.

DIGITAL SIGNATURE FOR CONTRACTS WITH YOUAPP

Access products and services easily with flexibility. With YouApp, you can consult a representative via phone or video call. Additionally, there’s a new section where you can review and digitally sign contracts.

EXPLORE ALL THE SERVICES YOUAPP HAS TO OFFER

On the Home page, you’ll find an overview of your account balance, investments, and loans. Additionally, with the payments button, you can:

- Make standard or Fast transfers within Italy or abroad, including deductions;

- Top up your phone and prepaid cards;

- Enter simplified F24 tax payments, and by uploading a PDF form, all the data will be captured automatically;

- Pay various bills directly from the app, such as freccia bills, postal bills, MAV, RAV, CBILL-PagoPA;

- Pay the car tax from the app.

Moreover, forget about manual data entry; instead, make use of your smartphone camera to scan the code of the transaction or IBAN, or dictate the reason for the payment using voice commands.

- Manage and configure your cards anywhere, monitoring payments made with credit, debit, or prepaid cards. Additionally, you can add debit and prepaid cards to your GOOGLE PAY digital wallet for direct payments from your smartphone;

- Invest and seize market opportunities by purchasing stocks through online trading at any time. Plus, in the Funds & SICAV area, you can find the right solution among over 4,000 funds from leading Management Companies;

- Locate the nearest Banco BPM branches. Schedule appointments both in-branch and remotely with a few clicks.

- Set alerts and push notifications to keep an eye on your account expenditures and the performance of your online investments.

PRODUCT SHOWCASE

Find the right card for you, calculate your mortgage rate, and choose the ideal car—all directly from the App!

COMPREHENSIVE ASSISTANCE

Need help? Speak to the Voice Assistant or ask the Virtual Assistant to guide you to the feature you're looking for. You can directly contact Customer Service without needing to enter access codes!

ACCESSIBILITY INFORMATION: group.bancobpm.it/accessibilita/

YouApp THE ADVANTAGES

YouApp was designed to allow you to always have your bank with you. It responds to your voice commands and thanks to fingerprint and face recognition, accessing and operating is even simpler and faster.

SIMPLE, INTUITIVE, COMPLETE

ONE APP FOR ALL YOUR BANKS

With YouConnect, you can view your Banco BPM account and the one you have with other banks in a single application. This gives you an aggregate view of the balance and movements of all your accounts

YouApp multi-bank | Banco BPM

KEEP YOUR EXPENSES UNDER CONTROL

In the Expenses section, you can monitor the progress of your family budget in a simple and intuitive way. Discover the features that help you save!

Recurrence management: confirm frequent movements for an estimate of expenses for the following months.

Forecast at the end of the month and compare the trend with previous months.

Savings management of the monthly amount you want to save.

Categories: check the most significant expenses, grouped automatically.

Set thresholds: set a limit for each spending category.

Brands: view the most frequent brands in the current month's expenses.

PFM

PAYMENTS

Pay pre-filled postal payment slips by framing the QR Code with your mobile phone camera

Bank transfers, even fast ones

MAV/RAV, F24, Car tax...

Phone top-ups, prepaid cards, Mediaset Premium...

YouApp make a bank transfer | Banco BPM

INVESTMENTS: PORTFOLIO BY PRODUCTS OWNED AND ASSET CLASS

The Investments area offers you an overview of the Portfolio based on the instruments purchased, divided into: shares, bonds, ETFs, funds and certificates.

It offers you the possibility of trading Funds and SICAVs, searching among the fund sheets and Management Houses.

In addition, with the simulated Portfolio you can set up a watchlist and simulate purchases and sales to keep track of the prices of your favorite stocks and funds.

YouApp securities portfolio | Banco BPM

ALWAYS BY YOUR SIDE

Make an appointment at the branch, by phone or by video call via YouApp.

Chat or talk to the Virtual Assistant using the data connection or Wi-Fi, if necessary, it puts you in touch with Customer Service and you can choose to:

Chat with an operator

Book a telephone recontact

Call in the App

YouApp appointment | Banco BPM

USE YOUR SMARTPHONE TO WITHDRAW

Thanks to Cardless Withdrawal you can withdraw from all Banco BPM ATMs without having your debit card with you.

What's new

- Improvements have been made to the virtual assistant function that puts you in touch with the specialist directly in the app using network data.

- In this latest version we have made improvements and corrections to offer you the best possible experience.

Thank you for choosing our app!