Hype — Phone number and contact

Hype Key Facts

• Customer service phone: Not available — contact via the official website
• Service hours: Monday-Friday, 9am-6pm
• Languages: French, English, Spanish
• Contact methods: Phone, Email, Mobile App, Live Chat

About Hype

Contacting Hype: Phone, Email and Complete Information on the Italian Neobank

Looking to contact Hype by phone or learn more about this innovative Italian neobank? You're in the right place. Whether you want to reach customer service, get information about offers, report a card issue, or simply discover the services available, this comprehensive guide provides all the contact details and necessary information. The main Hype phone number for customer service is +39 02 8281 6389. Throughout this article, we'll present the history of Hype, its offers, features, fund security, customer reviews, and much more. Our goal is to give you an exhaustive overview of this Hype neobank that has managed to win over nearly two million users in Italy and beyond.

Background and History of Hype

Hype is a 100% Italian neobank founded in 2015 by the Banca Sella Group, one of the oldest and most innovative private banking groups in Italy. From its inception, Hype aimed to reinvent the banking relationship by offering a fully digital model, accessible from a smartphone, and designed to simplify daily money management. The current Hype phone number, +39 02 8281 6389, connects you to a Milan-based team, the city where the fintech established its headquarters.

Hype's story is set against a backdrop of profound transformation in the European banking sector. In the mid-2010s, neobanks began emerging across Europe: N26 in Germany, Revolut in the United Kingdom, Monzo in London. Italy, a banking market historically dominated by large traditional institutions, needed a local player capable of offering a modern alternative. It was in this fertile ground that Hype took root, driven by the technological and financial expertise of Banca Sella, a bank founded in 1886 in Biella, Piedmont.

In 2015, Hype launched its first mobile app and Visa prepaid card. Success was immediate: within months, tens of thousands of Italians adopted this new approach to banking. The Hype mobile app stood out for its intuitive interface, real-time notifications, and the ability to send money instantly between users. For any questions about opening an account or features, the Hype phone number remains +39 02 8281 6389.

In 2020, a major turning point occurred: Illimity Bank, the digital bank founded by Corrado Passera, took a stake in Hype through a joint venture with Fabrick, Banca Sella's fintech subsidiary. This deal marked the first industrial consolidation in Italy's Open Banking sector. Hype benefited from substantial investments to develop new features, strengthen its technology base, and accelerate growth. If you needed information during this period, you could already call the Hype phone number for clarification.

In 2025, Banca Sella announced the buyout of Illimity Bank's stake for 85 million euros, regaining full control of Hype. At that point, the neobank had 1.9 million customers and had established itself as Italy's leading challenger bank. Hype continues to operate as an independent entity, with its own brand identity and distinctive user experience. The Milan headquarters remains reachable at +39 02 8281 6389, a number we recommend saving carefully.

Over the years, Hype obtained electronic money institution (EMI) status, which grants it enhanced regulatory autonomy and the ability to offer comprehensive banking services without directly depending on a traditional banking license. This regulatory evolution allowed Hype to significantly diversify its offering: checking accounts, debit cards, savings, credit, insurance, and even cryptocurrency trading. The Hype online bank has evolved at the pace of its users' needs while retaining its DNA of simplicity and accessibility.

Today, Hype positions itself as a major player in Italian digital finance, competing with European giants like N26 and Revolut. Its local roots, deep knowledge of the Italian market, and the backing of a solid banking group like Banca Sella are its main assets. For any information requests about Hype's history or positioning, don't hesitate to contact customer service at +39 02 8281 6389.

Hype Offers and Pricing

One of Hype's main attractions lies in the diversity of its offers, designed to meet the needs of very different profiles. Whether you're a student, salaried employee, freelancer, or frequent traveler, there's a plan for you. Here's a detailed overview of Hype pricing and the various plans available. For any pricing questions, you can reach an advisor at +39 02 8281 6389.

HYPE Account (Free)

• Monthly fee: €0 per month
• Virtual Visa card included
• Free withdrawals up to €3,000 per year
• Annual reload limit of €15,000
• Cashback on online purchases
• Savings boxes to set money aside
• Standard bank transfers
• Full access to the mobile app

Hype's free account provides an ideal free Hype card for people wanting to discover the neobank without commitment. It's an excellent gateway to understand how to open a Hype account and test basic features. Hype fees are non-existent on this plan for most everyday operations.

HYPE Next Account (€2.90/month)

• All benefits of the free HYPE account
• Physical Visa debit card
• Commission-free withdrawals (unlimited)
• Unlimited reloading (no annual cap)
• Up to 10 free instant transfers per month
• Bank aggregation: connect all your banks in a single app
• Advanced budget management tools

The HYPE Next plan is particularly popular among regular users who want a physical Hype bank card and more generous withdrawal limits. The unlimited Hype withdrawal limit and extended Hype payment limit make it a smart choice for daily use. To subscribe or get more details, contact +39 02 8281 6389.

HYPE Premium Account (€9.90/month)

• All benefits of the HYPE Next account
• Travel, purchase, and ATM robbery insurance package
• Access to over 1,100 airport lounges worldwide via LoungeKey
• Zero commission on withdrawals and payments in foreign currencies
• Priority support with reduced wait times
• Exclusive Premium card with custom design

The Premium account is designed for travelers and demanding users seeking a complete banking experience. Hype no foreign fees is a significant advantage for those who regularly make international transactions. Free Hype withdrawals abroad with no exchange rate markup is a compelling argument against the competition.

HYPE Business Account (€2.90/month)

• Designed for sole proprietors and self-employed professionals with a VAT number
• Mastercard Business debit card
• Simplified and free F24 payments
• Free standard and instant transfers
• Support 7 days a week, including via WhatsApp
• No activation fees
• Management tools tailored for professionals

The Business offering confirms Hype's commitment to professionals. The Hype business bank and Hype professional account are designed for Hype micro-entrepreneurs and Hype self-employed users seeking a simple and affordable banking solution. For any questions about the business plan, the Hype business phone remains +39 02 8281 6389, where a specialized advisor can assist you. The Hype business number is the same as for personal accounts, but dedicated teams handle professional requests.

In terms of pricing transparency, Hype stands out with a clear, no-surprise policy. Hype pricing is displayed on hype.it and in the app. No hidden fees undermine user trust. The Hype phone at +39 02 8281 6389 can also provide a complete breakdown of fees applicable to each plan.

Hype Features

Hype's rich feature set is one of its main competitive advantages. The Hype mobile app offers a range of features designed to simplify users' daily financial lives. Here's a comprehensive overview of the available features.

Real-time account management

The Hype customer area accessible from the mobile app lets you check your balance in real time, view transaction history, automatically categorize expenses, and set monthly budgets. Each transaction generates an instant push notification, giving you complete control over your finances. To download the Hype app, simply visit the App Store (iOS) or Google Play Store (Android).

Transfers and money transfers

Hype allows you to make standard SEPA bank transfers and Hype instant transfers in seconds. Transfers between Hype users are free and instant. For Hype international transfers, the neobank offers competitive solutions with transparent exchange rates. The Hype RIB and Hype BIC SWIFT are accessible directly from the app, facilitating everyday banking operations. If you need to know the Hype transfer time, an advisor is available at +39 02 8281 6389.

Contactless and mobile payments

The Hype card is compatible with NFC contactless payments. Additionally, Hype Apple Pay and Hype Google Pay are available, allowing you to pay directly from your smartphone without needing the physical card. This integration with major mobile wallets puts Hype on par with the largest European neobanks.

Smart savings boxes

One of the most popular features is the savings box system. Users can create multiple savings goals, name each box (vacations, emergencies, real estate project…) and automatically allocate a portion of their income. Automatic rules can be set: rounding up to the nearest euro on each transaction, automatic weekly transfers, etc. It's a powerful tool for effortless saving.

Cashback and rewards

The Hype cashback program offers rebates on purchases made with commercial partners. Rebates are automatically credited to the account. The Hype referral program also lets you earn bonuses by inviting friends to join the platform. The Hype welcome offer sometimes holds pleasant surprises for new sign-ups.

Bank aggregation

Available on HYPE Next and Premium accounts, bank aggregation lets you view all your bank accounts (even those at other banks) in a single app. This Open Banking feature is particularly useful for people with multiple banking relationships who want a comprehensive view of their finances. To change Hype RIB or update your banking details for aggregation, everything can be done from the app or by calling +39 02 8281 6389.

Cryptocurrency trading

Hype has integrated the ability to buy and sell Bitcoin and other cryptocurrencies directly from the app. This feature, launched in partnership with Banca Sella, makes Hype one of the first Italian neobanks to offer simplified access to digital assets. Purchases are made in a few clicks, and transaction fees are clearly displayed.

Split and shared payments

The "Pago io o paghi tu?" (Do I pay or do you pay?) feature makes it easy to split a restaurant bill, rent, or any other shared expense between friends or roommates. This social feature makes managing shared expenses intuitive and fast.

IBAN and banking details

Each Hype account is associated with an Italian IBAN. A foreign Hype IBAN is not directly offered, but the Italian IBAN is recognized throughout the SEPA zone for transfers and direct debits. Some French-speaking users wonder if Hype offers a French Hype IBAN: this is not currently the case — the IBAN remains Italian (IT), but it is fully functional for receiving transfers from France or any other European country.

Hype Additional Services

Beyond standard banking features, Hype has developed an ecosystem of additional services that significantly enrich the user experience. These services position the Hype neobank as a truly comprehensive financial platform.

Built-in insurance

HYPE Premium account holders benefit from a comprehensive insurance package covering travel (cancellation, flight delay, lost luggage), purchases (extended warranty, theft protection), and ATM withdrawals (assault protection). These insurances are automatically activated and require no additional steps. For coverage details, you can contact customer service at +39 02 8281 6389.

LoungeKey (airport lounge access)

Premium customers have access to over 1,100 airport lounges worldwide through the LoungeKey partnership. Before a flight, simply present your Hype Premium card or the LoungeKey app to access a relaxation area with Wi-Fi, drinks, and snacks. This is a particularly appreciated benefit for business travelers and globetrotters.

Credit and personal loans

Hype offers credit solutions integrated directly into the app. Users can apply for a personal loan, consumer credit, or salary advance in a few clicks. Approval is fast and terms are transparent. This feature is particularly useful for unexpected expenses.

Bill payments and utility services

From the app, users can pay their bills (energy, phone, internet), top up their mobile phone, and make payments to Italian public administration (F24, RAV, MAV). For professionals using the Hype professional account, F24 payments are free and simplified.

Loyalty program and partnerships

Hype has established partnerships with numerous Italian and international retailers to offer exclusive deals to its customers. The cashback program and regular promotions deliver savings on everyday purchases. The Hype referral program offers attractive bonuses: refer a friend, and both of you receive a reward when the account is opened.

Multi-currency management

Premium accounts allow payments and withdrawals in any currency without additional exchange fees. This is a significant asset for travelers who want to avoid the excessive banking commissions often charged by traditional banks. Hype no foreign fees is one of the most appealing arguments of the Premium offering.

Complaints service

The Hype complaints service is accessible via the app, by email, or by phone at +39 02 8281 6389. Hype is committed to processing each complaint within 15 business days, in compliance with Italian regulations. A dedicated form is available in the app's help section to facilitate complaint submission.

Security at Hype

Hype account security is an absolute priority for the Italian neobank. In a world where cyber threats are increasingly sophisticated, Hype invests heavily in protecting customer data and funds. Here's a comprehensive overview of the security measures in place.

Strong authentication and two-factor authentication

In compliance with the European PSD2 directive, Hype has implemented a Strong Customer Authentication (SCA) system for all sensitive operations. Hype two-factor authentication combines something you know (password or PIN code) with something you have (smartphone) or something you are (fingerprint or facial recognition). This multi-layered approach makes unauthorized account access extremely difficult.

PIN code and card security

Your Hype card PIN is set directly in the app and can be changed at any time. If you have a forgotten Hype PIN, you can reset it from the app by authenticating via biometrics. No need to visit a branch or call a premium-rate number. However, if you encounter difficulties, +39 02 8281 6389 remains available to assist you.

Instant card lock and unlock

If you have concerns about your card's security, you can lock it instantly from the Hype app. The Hype card lock is reversible: if you find your card or the alert was a false alarm, you can unlock it in seconds. In case of a lost Hype card or stolen Hype card, the cancellation procedure is immediate. Hype lost card cancellation can be done via the app or by calling the emergency number. For Hype card cancellation phone, dial +39 02 8281 6389 and follow the voice menu instructions.

Real-time notifications

Each transaction made with your card or from your account generates an instant push notification. This real-time transparency allows you to immediately detect any suspicious activity and react without delay.

Anti-fraud technology

In October 2025, Hype signed a strategic partnership with Cleafy, an Italian banking cybersecurity specialist, to integrate advanced online fraud detection and prevention solutions. This partnership strengthens Hype's ability to identify phishing attempts, fraudulent transactions, and unauthorized access before they cause damage.

Deposit protection

Funds deposited in a Hype account are protected by the Fondo Interbancario di Tutela dei Depositi (FITD), the Italian deposit guarantee scheme, up to 100,000 euros per depositor. This protection offers peace of mind comparable to traditional banks. Hype is also a member of the Fondo Nazionale di Garanzia.

Regulatory compliance

Hype operates under the supervision of the Bank of Italy and the European Banking Authority. The neobank scrupulously complies with anti-money laundering (AML) regulations, KYC (Know Your Customer) standards, and the General Data Protection Regulation (GDPR). Your personal data is encrypted and stored in secure data centers meeting the highest industry standards.

Security tips

Hype recommends that users never share their PIN code, not respond to suspicious emails or SMS requesting banking information, and always enable biometrics on the app. If fraud is suspected, the reflex should be to block the card in the app and immediately call +39 02 8281 6389 to report the incident. The Hype emergency number is the same as the customer service number, with a dedicated emergency menu. The Hype emergency phone number is therefore +39 02 8281 6389.

Hype Customer Service

Customer service quality is a determining factor when choosing a neobank. Hype understands this well and offers several contact channels to meet its users' needs. Here's a complete guide to contacting Hype and getting the assistance you need.

Phone

The Hype customer service phone is reachable at +39 02 8281 6389. This number lets you speak directly with an advisor about any question regarding your account, cards, transactions, or services. The Hype customer service phone line is available Monday through Friday during standard Hype customer service opening hours. The Hype customer service phone at +39 02 8281 6389 is an Italian geographic number, so it is a non-premium-rate Hype number, billed at a local or international call rate depending on your carrier.

To call Hype from France or abroad, dial +39 02 8281 6389 (country code +39 for Italy, 02 for Milan). Calling Hype customer service is simple: after the greeting, select the language (primarily Italian) and the reason for your call. If you're looking to call Hype customer service for a card emergency, a priority menu will direct you to a specialized agent.

The Hype customer service phone is the fastest way to get a personalized response. The Hype customer service phone at +39 02 8281 6389 also handles requests related to business accounts. The Hype customer service phone and the Hype support phone are therefore one and the same number: +39 02 8281 6389.

Online chat

The Hype online chat is accessible directly from the mobile app. An intelligent chatbot answers common questions in real time, and if the request is more complex, a human advisor takes over. This channel is particularly appreciated for simple questions (balance, history, how a feature works) that don't require a phone call.

WhatsApp

For Business account users, Hype offers support via WhatsApp, available 7 days a week. This innovative channel allows sending messages, screenshots, and documents directly from your phone, with generally fast response times.

Email

The Hype contact email is available for non-urgent requests, formal complaints, and document submissions. The customer service email address is accessible from the help section of the app and the hype.it website. Email responses are typically provided within 24 to 48 business hours.

Online help center

The FAQ section on hype.it and in the app covers a wide range of topics: Hype account opening, card management, transfers, security, complaints, etc. Before contacting customer service, it's often helpful to consult this knowledge base which answers most common questions.

Social media

Hype is present on Facebook, Instagram, Twitter/X, and LinkedIn. Although these channels are not the most appropriate for sensitive requests (never share your banking data on social media), they allow you to follow neobank news, discover new features, and ask general questions.

To reach Hype by phone, reach a Hype advisor, or contact a Hype advisor, the most direct method remains +39 02 8281 6389. If you want to reach a Hype advisor without calling, the in-app chat is your best alternative. To speak with a Hype advisor, speak to a real Hype advisor, or reach a real person at Hype, we recommend calling during off-peak hours (early morning) to reduce wait time. Speaking to a real Hype advisor is possible by selecting "speak to an operator" in the voice menu.

The Hype phone contact remains the preferred channel for complex requests. The Hype phone contact at +39 02 8281 6389 ensures a direct and personalized exchange. Regarding the free Hype number, it's important to note that the main number is not a toll-free number but a Milan geographic number. The cost of the call depends on your phone plan.

The main Hype phone number is +39 02 8281 6389. The Hype phone number is identical regardless of the reason for your call. The Hype phone number serves all services: personal accounts, business accounts, complaints, and emergencies. The Hype phone number we recommend saving in your contacts is +39 02 8281 6389.

As for the Hype phone and the Hype emergency phone, it's always the same number: +39 02 8281 6389. The Hype emergency phone directs to an emergency menu within the same switchboard. The Hype business phone is also served by this number, with routing to the professional team. The Hype emergency number should be dialed without hesitation in case of loss, theft, or fraud.

Finally, a nearby Hype branch doesn't exist in the traditional sense: Hype is a 100% digital neobank and has no physical branches. However, thanks to the complete acquisition by Banca Sella, Hype customers could potentially gain access to the Banca Sella branch network for certain specific operations in the future. The Hype business number at +39 02 8281 6389 can confirm the latest developments on this front.

Customer Reviews of Hype

Hype customer reviews available on app stores, specialized forums, and review websites paint a nuanced picture of the user experience. Here's a summary of the most frequent feedback.

Regularly mentioned strengths

• Ease of use: The app's interface is unanimously praised for its clarity and ergonomics. Hype account opening is described as fast (a few minutes) and fully digital.
• Free basic account: Having an account and a virtual card with no monthly fees is a major advantage, particularly appreciated by young people and students.
• Instant notifications: Real-time transaction tracking reassures users and gives them a sense of control over their finances.
• Savings boxes: The automatic savings feature is frequently cited as one of the best on the Italian market.
• Apple Pay and Google Pay integration: Compatibility with major mobile wallets is an important criterion for many users.
• Responsive customer service: Several users highlight the quality of customer service, particularly via in-app chat and +39 02 8281 6389.

Mentioned areas for improvement

• Foreign exchange commission on the free account: The 3% rate on foreign currency transactions with the free account is considered high by some users, especially compared to Revolut or N26 offers.
• Reload cap on the free account: The €15,000 annual limit can be restrictive for regular users who don't want to upgrade to a paid plan.
• Customer service primarily in Italian: Non-Italian-speaking users may have difficulty communicating with customer service by phone. Adding additional languages (English, French) would be a plus.
• No physical branches: Although typical of neobanks, the absence of physical contact points can be a barrier for users accustomed to traditional banks.
• Limited geographic availability: Hype is mainly available in Italy, limiting its appeal for residents of other European countries.

App store ratings

On Apple's App Store and Google Play Store, Hype generally receives ratings between 4.0 and 4.5 out of 5, placing it among the best neobanks on the Italian market. Positive comments highlight ease of use and reliability, while negative comments mainly concern the limitations of the free account and occasional app bugs.

To leave a review or report an issue, users can contact Hype complaints service via the app or at +39 02 8281 6389. Constructive feedback contributes to the platform's continuous improvement.

Comparing Hype with N26, Revolut, and Satispay

To better understand Hype's positioning in the neobank market, let's compare it with three major competitors: N26, Revolut, and Satispay. Each of these players has its strengths and weaknesses, and the choice will depend on your specific needs.

Hype vs N26

N26, the German neobank founded in 2013 with a full European banking license, is one of Hype's main competitors on the Italian market. Here are the main differences:

• Origin: Hype is 100% Italian (Banca Sella Group), while N26 is German with a pan-European presence.
• Free plan: Both offer a free account with a virtual card. N26 offers 3 free withdrawals per month in the euro zone, while Hype offers free withdrawals up to €3,000 per year.
• Premium plan: N26 Metal (€16.90/month) is more expensive than HYPE Premium (€9.90/month), but includes additional benefits like an extended cashback program and a metal card.
• Multi-currency: N26 offers foreign currency sub-accounts, a feature Hype doesn't directly offer.
• Cryptocurrencies: Both allow cryptocurrency purchases, but Hype's integration with Banca Sella offers a more familiar regulatory framework for Italian users.
• Customer service: Hype's Italian-language customer service is generally considered more accessible for local users. To call Hype customer service, dial +39 02 8281 6389.
• Insurance: Both HYPE Premium and N26 Metal offer travel insurance, but coverage details differ.

Hype vs Revolut

Revolut, the British fintech turned global giant with over 40 million users, is a formidable competitor. Here's how Hype compares:

• International reach: Revolut is available in over 35 countries, while Hype focuses on Italy. For frequent travelers and expats, Revolut offers superior geographic coverage.
• Currency exchange: Revolut excels at currency exchange with interbank rates on weekdays (on certain plans). The free Hype account charges a 3% commission, while HYPE Premium offers fee-free exchange.
• Features: Revolut offers a broader range of features: stock trading, multiple cryptocurrencies, savings vaults, premium subscriptions with cashback. Hype, while less feature-rich, offers a more targeted experience adapted to the Italian market.
• Pricing: Revolut's free plan is more generous in terms of currency exchange, but HYPE Next at €2.90/month offers free instant transfers and a physical card, which isn't always included with Revolut at the same price.
• Local compliance: Hype, as a regulated Italian entity backed by Banca Sella, offers Italian deposit guarantees and local compliance that can reassure users concerned about protecting their funds.
• Italian-language customer service: Hype's native Italian support is an advantage over Revolut, whose multilingual support can sometimes lack fluency in local languages.

Hype vs Satispay

Satispay is another Italian fintech, founded in 2013 in Milan, that has experienced spectacular growth. However, its positioning differs from Hype's:

• Nature of service: Satispay is primarily a mobile payment app, not a full neobank. It doesn't offer a checking account, bank card, or bank transfers in the traditional sense. Hype, on the other hand, is a complete banking solution with IBAN, card, transfers, and savings.
• Merchant network: Satispay has a highly developed partner merchant network in Italy, with over 350,000 point-of-sale locations accepting payments via the app. For in-store payments between individuals and Italian merchants, Satispay is unbeatable.
• Cashback: Satispay offers a very attractive cashback system at its partner merchants. Hype also offers cashback, but the partner network is different.
• Complementarity: Many Italian users combine both services: Hype as their primary bank account and Satispay for in-store payments. The two apps aren't necessarily in direct competition but rather complement each other.
• Business offering: Hype offers a true Business account for professionals, while Satispay focuses on payments for merchants and individuals.

Summary comparison table

• Free account: Hype ✓ | N26 ✓ | Revolut ✓ | Satispay ✓ (but not a bank account)
• Bank card: Hype ✓ (Visa) | N26 ✓ (Mastercard/Visa) | Revolut ✓ (Visa/Mastercard) | Satispay ✗
• IBAN: Hype ✓ (IT) | N26 ✓ (DE/IT) | Revolut ✓ (LT/GB) | Satispay ✗
• Apple Pay / Google Pay: Hype ✓ | N26 ✓ | Revolut ✓ | Satispay ✗
• Cryptocurrencies: Hype ✓ | N26 ✓ | Revolut ✓ | Satispay ✗
• Travel insurance: Hype ✓ (Premium) | N26 ✓ (Metal) | Revolut ✓ (Premium+) | Satispay ✗
• Italian merchant network: Hype average | N26 low | Revolut average | Satispay excellent
• Italian-language customer service: Hype excellent | N26 good | Revolut average | Satispay excellent
• Customer service phone: Hype +39 02 8281 6389 | N26 via app | Revolut via app | Satispay via app

In summary, Hype positions itself as the most complete Italian neobank for residents of Italy seeking a 100% local solution with Italian-language customer service, competitive pricing, and the assurance of a solid banking group. N26 and Revolut are interesting alternatives for more international users, while Satispay perfectly complements the ecosystem for in-store payments.

Case Studies: Three Users Share Their Experience

To illustrate the practical, everyday use of Hype, here are three testimonials from users with different profiles. These case studies show how the neobank adapts to varied needs.

Case Study #1: Marco, freelance graphic designer in Milan

Marco, 32, is a freelance graphic designer in Milan. Self-employed for five years, he was looking for a simple and affordable professional banking solution to manage his micro-business. "Before Hype, I used a standard business account at a traditional bank. Account maintenance fees, commissions on every transfer, the wait to get a branch appointment… It was really frustrating," Marco explains.

"I discovered Hype Business in 2023. The Hype account opening literally took ten minutes on my phone. No paperwork to mail, no branch appointment. I received my Mastercard Business card in a few days and was able to start invoicing clients immediately. Free F24 payments save me about 50 euros a year, and the free instant transfers are a real plus when I need to pay a subcontractor quickly."

"What really won me over was the WhatsApp support, available even on weekends. Once, I had an issue with an online payment on a Saturday evening. I sent a message on WhatsApp and got a response in less than twenty minutes. With my old bank, I would have had to wait until Monday morning and spend thirty minutes on the phone. For more complex questions, I've also called +39 02 8281 6389 and was always well taken care of."

"Today, Hype Business is my main account for all my professional activity. I recommend it to all my freelance colleagues. The value for money is unbeatable at €2.90 per month."

Case Study #2: Sofia, Erasmus exchange student in Rome

Sofia, 22, is a French student on an Erasmus exchange at the Università La Sapienza in Rome. Before leaving for Italy, she was looking for a solution to manage her money locally without excessive fees. "My French bank charged me fees on every withdrawal and every payment abroad. In one month, that could amount to 30 to 40 euros in banking fees, which is huge for a student budget," Sofia explains.

"An Italian friend recommended Hype. I opened a free account in a few minutes with my French passport. That's one of the advantages: how to open a Hype account doesn't require Italian residency — just a European identity document and an Italian codice fiscale. The free Hype card allowed me to pay everywhere in Italy without additional fees."

"The savings boxes are my favorite feature. I created a 'Travel' box where I round up each payment to the nearest euro. In six months, I saved over 200 euros without even noticing! The Hype cashback on my online purchases also earned me a few euros here and there."

"The only downside is that customer service is primarily in Italian. When I had a question about the Hype withdrawal limit, I called +39 02 8281 6389 and the advisor spoke a little English, but it was limited. Fortunately, the in-app chatbot is quite effective for common questions, and my Italian has improved a lot since!"

"If I had to do it again, I'd probably subscribe to HYPE Next for unlimited withdrawals and instant transfers. But for a student budget, the free account is already excellent."

Case Study #3: Alessandro, management consultant and frequent traveler

Alessandro, 45, is a management consultant based in Turin. His job takes him frequently across Europe, Asia, and North America. "I was looking for a card that would let me pay and withdraw money abroad without being hit by exchange fees. After comparing several offers, I chose HYPE Premium at €9.90 per month, and I've never regretted it," Alessandro asserts.

"The Hype no foreign fees is a game-changer for someone like me. Whether I'm paying for a taxi in Tokyo, a hotel in New York, or a restaurant in Berlin, I know the debited amount corresponds exactly to the real exchange rate, with zero commission. Over a year of business travel, I estimate it saves me between 500 and 800 euros compared to my traditional bank card."

"LoungeKey access is another benefit I use extensively. Having access to a comfortable lounge with Wi-Fi, drinks, and snacks before a long flight is life-changing. I've already used this service at Milan Malpensa, Paris CDG, Frankfurt, Dubai, and Bangkok. It's a luxury I could never have afforded with a standard LoungeKey subscription."

"The included travel insurance has also been very useful. Last year, my suitcase was lost on a flight to Singapore. I contacted Hype, filled out a form in the app, and was reimbursed for my essential purchases in less than ten days. The process was simple and transparent."

"For daily management, I use bank aggregation to see all my accounts (Hype, my professional account at a traditional bank, and a savings account) in a single app. It's practical for having a comprehensive view of my finances. And when I need help, +39 02 8281 6389 is always there. Premium account priority support significantly reduces wait time. I recommend HYPE Premium without hesitation to all business travelers."

Hype's Expansion and Future Outlook

Hype's future looks rich in developments and opportunities. The complete acquisition by Banca Sella in 2025 marks the beginning of a new era for the Italian neobank, with clear ambitions for growth and diversification.

Network and service expansion

Banca Sella's press release at the time of acquisition stated that Hype would be able to "rapidly expand its range of offers and leverage the bank's branch network." This means Hype customers could soon benefit from hybrid access combining digital flexibility with the proximity of a physical network. For users who were looking for a nearby Hype branch, this evolution could provide a concrete answer in the months and years to come.

International development

While Hype is currently primarily concentrated on the Italian market, its technological expertise and base of 1.9 million users provide a solid springboard for potential European expansion. The EMI (Electronic Money Institution) model theoretically facilitates regulatory passporting to other European Union countries. Expansion into culturally and geographically close markets (France, Spain, Greece) could be considered in the medium term.

Technological innovations

The partnership with Cleafy for cybersecurity, announced in October 2025, illustrates Hype's desire to remain at the forefront of technological innovation. Other developments are expected in the following areas:

• Artificial intelligence: Integration of AI in customer service (improved chatbot, personalized financial advice), fraud detection, and automated budget management.
• Advanced Open Banking: Development of new features based on the PSD2 directive and open banking APIs, enabling even deeper integration with third-party services.
• Cryptocurrencies and digital assets: Expanding the crypto offering beyond Bitcoin, with potential access to stablecoins, DeFi tokens, and other digital assets, always within a regulated and secure framework.
• Credit and financing: Development of more sophisticated credit solutions (Buy Now Pay Later, instant micro-loans, mortgage lending through partnerships) to become a fully-fledged primary bank.

Strengthening the professional offering

The HYPE Business offering, currently limited to sole proprietors and self-employed professionals, could be extended to small businesses (SARL, SAS equivalents, etc.) with integrated accounting management, invoicing, and cash flow management features. Hype business banking aims to become a genuine management tool for Italian SMEs and micro-enterprises.

Sustainability and green finance

The trend toward sustainable finance could lead Hype to offer green investment products, integrated carbon offset solutions for transactions, and increased transparency on the environmental impact of users' spending. These initiatives respond to growing demand, particularly among younger generations who form the core of Hype's customer base.

Market outlook

The Italian digital banking market is estimated at approximately $10 billion and continues to grow rapidly. Smartphone penetration, accelerated post-COVID digitalization, and the growing preference for cashless payments create a favorable environment for Hype. With Banca Sella's backing, the neobank has the resources needed to maintain its leadership position and continue innovating.

To follow the latest Hype news and future developments, you can regularly visit hype.it, follow the neobank on social media, or contact customer service at +39 02 8281 6389.

How to Contact Hype: Complete Summary

To conclude this guide, here's a summary of all Hype's contact details and methods:

• Hype phone: +39 02 8281 6389
• Website: hype.it
• Mobile app: Available on the App Store (iOS) and Google Play Store (Android)
• Online chat: Accessible from the mobile app
• WhatsApp: Available for HYPE Business customers
• Email: Via the contact form in the app or on the website
• Social media: Facebook, Instagram, Twitter/X, LinkedIn
• Headquarters: Milan, Italy (via Banca Sella S.p.A., Piazza Gaudenzio Sella n. 1, 13900 Biella)

Whether you want to contact Hype by phone, call Hype customer service, or simply get information, +39 02 8281 6389 remains your primary point of contact. Don't hesitate to call Hype at this number anytime during opening hours for personalized assistance.

Practical Guide: Opening, Managing, and Closing a Hype Account

In this section, we cover the most frequently asked practical questions about managing a Hype account. Whether you're considering opening an account, customizing it, or closing it, here's all the information you need.

How to open a Hype account

Hype account opening is a fully digital process that takes between five and ten minutes. Here are the detailed steps for how to open a Hype account:

• Download the Hype app from the App Store or Google Play Store. To download the Hype app, simply search for "HYPE" in your app store.
• Launch the app and click "Open an account."
• Choose your plan: HYPE (free), HYPE Next (€2.90/month), HYPE Premium (€9.90/month), or HYPE Business (€2.90/month).
• Enter your personal information: name, first name, date of birth, address, Italian codice fiscale.
• Photograph your identity document (ID card, passport, or driver's license).
• Complete a video selfie verification to confirm your identity.
• Accept the terms and conditions and privacy policy.
• Your account is activated! You immediately receive your virtual card and IBAN.

If you encounter difficulties during the opening process, customer service is available at +39 02 8281 6389 to guide you step by step.

Managing your Hype card limits

The Hype withdrawal limit and Hype payment limit vary depending on the plan chosen. On the free account, the annual reload cap is €15,000, which can be restrictive for high-volume users. To increase Hype limits, the simplest solution is to upgrade to a higher plan (HYPE Next or Premium) which offers unlimited caps. Switching between plans is done directly from the app, with no migration fees. For any questions about limits, call +39 02 8281 6389.

Closing a Hype account

If you want to close a Hype account, the procedure is also digital. From the settings section of the app, select the account closure option. Make sure to first transfer your entire balance to another bank account and cancel all associated direct debits. Closure takes effect within a few business days. If you're having difficulties or your balance isn't zero, contact customer service at +39 02 8281 6389 for assistance.

Changing your banking details

To change your Hype RIB or update your personal information (address, email, phone number), go to the profile section of the app. Changes are taken into account immediately for most fields. For more sensitive changes (name change after marriage, new identity document), it may be necessary to send supporting documents via the app or contact support.

Hype for Daily Use: Tips and Best Practices

Using Hype daily involves mastering certain best practices to optimize your banking experience. Here are practical tips for users, whether beginners or experienced.

Optimizing savings with boxes

Savings boxes are one of the most powerful tools in the Hype app. To maximize your savings, we recommend setting up at least three separate boxes: one for emergencies (the equivalent of three months of expenses), one for a medium-term project (trip, major purchase), and one for long-term savings. Activate the automatic round-up rule so that each transaction contributes to your savings without conscious effort. For example, if you pay €1.30 for a coffee, €0.70 is automatically transferred to your box. Over a year, this can represent several hundred euros in savings. To configure these rules, go to the Savings section of the Hype customer area or contact an advisor at +39 02 8281 6389.

Managing subscriptions and direct debits

The Hype app lets you view all your subscriptions and recurring direct debits. This overview is valuable for identifying forgotten or unused subscriptions. Make it a habit to check this section every month to optimize your recurring expenses. If you want to cancel a direct debit, you can do so directly from the app or by notifying the creditor with your new IBAN.

Using cashback wisely

The Hype cashback program evolves regularly with new partners and new offers. Check the cashback section of the app before online purchases to see if an offer is available at the merchant you're interested in. Savings from cashback can be automatically redirected to a savings box, creating a virtuous cycle between spending and saving.

Protecting your account daily

Hype account security also depends on good user habits. Always enable Hype two-factor authentication and biometrics (fingerprint or facial recognition) on your app. Never share your PIN code, even with a loved one. If you receive a call, SMS, or email claiming to be from Hype asking for your credentials or PIN code, it's a fraud attempt. Hype will never ask you for this information by phone, email, or SMS. If in doubt, hang up and call +39 02 8281 6389 directly to verify.

Traveling with Hype

If you're planning to travel, prepare in advance. Make sure your card isn't blocked for international transactions (it generally isn't by default at Hype). Save the Hype emergency number (+39 02 8281 6389) in your contacts and on a separate paper document in case you lose your phone. If you have the Premium account, activate the LoungeKey app before departure to locate available lounges at airports on your itinerary. And if you're on the free account with its 3% foreign exchange commission, consider upgrading to Premium before your trip to save on exchange fees: starting from €330 in foreign currency spending, the savings on exchange fees cover the monthly cost of the Premium subscription.

Taking advantage of the referral program

The Hype referral program is a simple way to earn bonuses while introducing the neobank to your friends and family. Each successful referral earns you a bonus (variable depending on promotional periods) for both you and your referral. The referral code is available in the dedicated section of the app. Don't hesitate to share it with your circle, especially since the Hype welcome offer makes signing up even more attractive for new users.

Everything You Need to Know About Transfers and Banking Operations with Hype

Managing transfers and banking operations is at the heart of the Hype experience. Whether you need to make a national, international, or instant transfer, here's everything you need to know.

Standard SEPA transfers

SEPA transfers are available on all Hype plans. The standard Hype transfer time is generally one to two business days for a standard SEPA transfer. Transfers between Hype accounts are instant and free, regardless of the amount.

Instant transfers

The Hype instant transfer allows you to send money in seconds, 24 hours a day, 7 days a week. On the HYPE Next account, up to 10 instant transfers per month are included free of charge. On the Premium account, the number is even more generous. On the Business account, instant transfers are unlimited and free.

International transfers

For Hype international transfers outside the SEPA zone, Hype offers competitive solutions. Your account's Hype BIC SWIFT is available in the details section of the app. Fees and timelines depend on the destination country and currency. For an accurate quote before making an international transfer, you can contact customer service at +39 02 8281 6389.

Direct debits

Your Hype IBAN can be used for direct debits on your bills and recurring payments (rent, electricity, subscriptions). The Hype RIB is accessible from the app and can be easily shared by email or message. All direct debit mandates are visible and manageable directly in the customer area.

Frequently Asked Questions About Hype

To complete this guide, here are answers to the most frequently asked questions by Hype users and prospects.

Is Hype a real bank?

Hype is an electronic money institution (EMI) operating under the supervision of the Bank of Italy and backed by the Banca Sella Group. While technically different from a traditional banking license, EMI status allows Hype to offer payment accounts, cards, transfers, and other basic banking services. Funds are protected in accordance with European regulations.

Can I receive my salary in a Hype account?

Yes, absolutely. The HYPE account (even the free one) has a full Italian IBAN that can be provided to your employer for salary deposits. Many users use Hype as their primary account for their income.

Does the Hype card work abroad?

Yes. The Hype card (Visa or Mastercard depending on the plan) works everywhere these networks are accepted, in over 200 countries. On the free account, a 3% exchange commission applies to foreign currency transactions. On the Premium account, all currency transactions are fee-free.

How do I block my card in case of loss or theft?

In case of a lost Hype card or stolen Hype card, immediately open the Hype app and activate the Hype card lock. You can also call the Hype card cancellation phone at +39 02 8281 6389 to report the loss and request a card replacement. Hype lost card cancellation is handled as a priority to minimize risk.

Does Hype offer credit solutions?

Yes, Hype offers personal loans and cash advances directly from the app. Terms (amount, rate, duration) depend on the borrower's profile and are displayed transparently before subscription.

How does Hype cashback work?

Hype cashback works automatically when you make purchases with Hype's commercial partners. The cashback amount is credited directly to your account. The list of partners and offers is available in the dedicated section of the app.

What is the Hype referral program?

The Hype referral program lets you earn a bonus by inviting friends and family to open a Hype account. Both you and your referral receive a reward upon account opening and activation. The Hype welcome offer may vary depending on promotional periods.

Is Hype suitable for professionals?

Yes. The Hype business banking offering (HYPE Business) is specifically designed for Hype micro-entrepreneurs and Hype self-employed professionals with an Italian VAT number. The Hype professional account offers dedicated features such as F24 payments, a Mastercard Business card, and 7/7 support.

What is Hype's IBAN?

The Hype IBAN is an Italian IBAN starting with "IT." It's unique to each customer and generated automatically upon account opening. A foreign Hype IBAN is not directly offered, but your Italian IBAN is valid throughout the SEPA zone. For those looking for a French Hype IBAN, note that the Italian IBAN is perfectly accepted for transfers and direct debits from France.

Hype and European Regulatory Challenges

The neobank and fintech sector operates within a constantly evolving European regulatory framework. Hype, as a regulated entity under the supervision of the Bank of Italy, must continuously adapt to new requirements. Understanding these challenges provides better insight into the neobank's solidity and reliability.

The PSD2 directive and Open Banking

The second European Payment Services Directive (PSD2), which came into force in 2018, profoundly transformed the European banking landscape. By mandating the opening of banking data via secure APIs, it enabled the emergence of innovative services such as bank aggregation and third-party payment initiation. Hype fully embraced this directive by offering a bank aggregation feature that allows its customers to view their accounts held at other banks directly in the Hype app. This Open Banking approach strengthens Hype's position as a central financial hub for its users.

Data protection (GDPR)

The General Data Protection Regulation (GDPR) imposes strict obligations regarding the collection, processing, and storage of personal data. Hype fully complies with these requirements: customer data is encrypted, stored in secure data centers in Europe, and never resold to third parties without explicit consent. Users have the right to access, rectify, and delete their data, in accordance with GDPR provisions. To exercise your rights, you can contact Hype via the app or at +39 02 8281 6389.

Anti-money laundering (AML/KYC)

Know Your Customer (KYC) and Anti-Money Laundering (AML) procedures are central to the Hype account opening process. During registration, each customer must provide a valid identity document and complete a biometric video selfie verification. These measures, while sometimes perceived as burdensome, are essential to protect all users and maintain the integrity of the financial system. Hype continuously monitors transactions to detect suspicious activity and complies with reporting obligations to the relevant authorities.

Deposit guarantees

Funds deposited with Hype are protected by the Fondo Interbancario di Tutela dei Depositi (FITD), which guarantees up to 100,000 euros per depositor in case of institutional failure. This guarantee, harmonized at the European level, offers a level of protection identical to traditional banks. This is an important reassurance element for users who entrust their entire savings to a neobank.

Upcoming regulatory developments

Several regulatory developments are expected in the coming years and could impact Hype and the entire European fintech sector: the revision of the PSD2 directive (sometimes called PSD3), the MiCA regulation on crypto-asset markets, and discussions around a digital euro issued by the European Central Bank. Hype, thanks to its agile structure and technological expertise, is well positioned to adapt to these developments and potentially leverage them to enrich its offering. To follow the impact of these regulatory changes on your account, stay connected to Hype news via the app or contact customer service at +39 02 8281 6389.

Glossary of Banking Terms Related to Hype

To help readers less familiar with banking and fintech jargon, here's a glossary of key terms used in this article:

• Neobank: A bank operating primarily or exclusively via a mobile app, without a traditional branch network. Hype is Italy's first neobank.
• EMI (Electronic Money Institution): A regulated entity authorized to issue electronic money and provide payment services. This is Hype's regulatory status.
• IBAN: International Bank Account Number, a unique identifier for your bank account recognized throughout Europe and beyond.
• BIC/SWIFT: International bank identification code, used for international transfers.
• SEPA: Single Euro Payments Area, a single euro payment zone covering 36 European countries.
• PSD2: Second European Payment Services Directive, mandating strong authentication and the opening of banking data (Open Banking).
• SCA (Strong Customer Authentication): Strong customer authentication, combining at least two verification factors.
• NFC: Near Field Communication, technology used for contactless payments.
• Cashback: Partial refund of a purchase amount, credited to the customer's account.
• Open Banking: System enabling the secure sharing of banking data between financial institutions via APIs.
• KYC (Know Your Customer): Customer identity verification procedures, mandatory for combating money laundering.
• AML (Anti-Money Laundering): Set of regulations and procedures aimed at preventing money laundering.

Conclusion: Why Choose Hype as Your Neobank

At the end of this comprehensive guide, it's clear that Hype has established itself as Italy's reference neobank thanks to a unique combination of assets: an intuitive and comprehensive Hype mobile app, transparent and competitive Hype pricing, a range of services adapted to all profiles (students, employees, freelancers, travelers, professionals), Hype account security strengthened by the latest anti-fraud technologies, and customer service accessible by phone, chat, WhatsApp, and email.

Whether you're an Italian resident looking for a modern alternative to traditional banks, an expat wanting to manage your money from your smartphone, a professional seeking an affordable Hype business bank, or a traveler wanting to pay everywhere in the world without hidden fees, Hype offers a solution adapted to your needs.

The backing of the Banca Sella Group, one of the oldest and most innovative banking groups in Italy, gives Hype a solidity and credibility that few European neobanks can claim. With nearly two million users and promising growth prospects (physical network expansion, new features, potential internationalization), Hype is well positioned to continue transforming the banking relationship for Italians — and perhaps soon, for Europeans.

For any additional information, to open an account, or to resolve an issue, remember that Hype customer service is available at +39 02 8281 6389. Save this number in your contacts: whether you need to reach a Hype advisor, report a lost card cancellation, understand Hype fees, or discover the latest Hype welcome offer, a dedicated team is ready to assist you.

Customer support and contact channels for Hype

When searching for Hype's contact details, the fastest way is usually to visit their official website or check the mobile app. Whether the request concerns account access, card management, transfers, fees, security settings or a complaint, the support team can guide you through the process.

Many users search for terms such as phone number, customer service, direct contact, advisor number, card opposition, transfer delay, mobile app support or account security. This page centralizes the key expressions associated with Hype.

Contact information

Services offered by Hype

• Current account
• Bank card
• Transfer
• Direct debit
• Savings
• Credit
• Insurance
• Customer service
• Mobile app
• Budget management
• Notifications
• Technical support

How to contact Hype by phone

Tips for contacting Hype

Security and data protection at Hype

The security of your personal and financial data is a top priority for Hype.

Enhanced authentication: Hype uses two-factor authentication (2FA).

Data encryption: All communications are encrypted with SSL/TLS 256-bit.

Regulatory compliance: Hype complies with applicable regulations.

24/7 monitoring: Fraud detection systems operate continuously.

Why choose Hype?

• ✓ Intuitive and comprehensive mobile app
• ✓ Quick 100% online account opening
• ✓ Transparent and competitive fees
• ✓ Responsive and professional customer service
• ✓ Real-time notifications
• ✓ Enhanced security with biometric authentication