Who pays us.

How we work

You arrive with a project: buying a home, starting a business, protecting your family, growing your savings. We do not sell you a product. We study the project, search the market for the resources best suited to it, and stay with you until it is done.

1. We understand the projectFirst consultation at no cost. If this is not the right moment, we say so — an answer we can afford to give precisely because we earn nothing on the transaction.
2. We search the market for resourcesWe identify the regulated operators suited to your case: credit mediators, insurers, fund managers, platforms. We compare them, and explain our reasoning.
3. We stay with you, we do not hand you offThe file is handled by the competent regulated operator. We remain your point of reference: preparing documents, translating, tracking timelines, stepping in when things stall.
4. Through to the goalThe relationship does not end at signature. It ends when the project is achieved.

What we are, what we are not

Our partner panel

For mortgages and loans we have one official partner, under a collaboration contract — and we work with other operators as well. In the other areas we have no official partner at all: the Client Portal shows the options available on the market, compared side by side. In both cases the same rule applies: none of them pays us.

The options published in the Client Portal are compiled from public sources and constitute neither a recommendation nor an offer. No operator pays to appear.

How we choose, and how we compare

Registration in the mandatory registers, verified. Public transparency documentation. Terms judged for the client, not for us. Coverage and the capacity to see a case through. One criterion is missing from that list: what it would earn us. It is not a criterion because it is not a possibility.

When you pay, and how much

You pay us for advice and for seeing the project through. You pay the regulated operator that handles the file separately and directly. Distinct items, governed by distinct documents, and neither flows into the other.

1. First consultationNo cost. We assess feasibility and tell you plainly if this is not the right moment.
2. Prime Client — € 200, one-offLifetime registration. Non-refundable. It is the only amount you pay before any outcome.
3. Banks4All fee — [AMOUNT / % — TO BE DEFINED]Due only once funds are disbursed, per the signed Banks4All contract.
4. The regulated operator's feesYou pay these directly to the operator handling the file — for mortgages and loans, currently Credit Prime — once funds are disbursed, per the mandate you sign with them. Banks4All retains no share of it. The amounts are set out in Credit Prime's transparency documentation, linked at the foot of this page.

Mortgage and loan partner

Credit Prime is currently the operator we work with for mortgages and loans. Not exclusively: other mediators may join, and this page will say so. You can verify its registration directly with the OAM — the link goes to the public register, not to a page of ours.

Verify the registration in the public OAM register →

Where you can meet us

Credit Prime has two OAM-registered offices, listed above, and a network of individually registered consultants who meet clients by appointment in other provinces — people entered in the OAM register, not branches. We keep the distinction because they are not the same thing. We work with you in Italian, English, Spanish, Urdu, Hindi, Punjabi, Arabic, Bengali, Romanian and French.

If something goes wrong

Write to info@banks4all.eu. Complaints concerning credit mediation are handled under Credit Prime's complaints policy, with the right of recourse to the Arbitro Bancario Finanziario (ABF). The policy and the Banca d'Italia guides are in the documents below.

Documents

• Credit Prime transparency documentation
• OAM registers and lists
• Mortgage information sheet
• Mediation mandate
• Banks4All contract
• Privacy Policy
• Complaints policy
• ABF guide — Banca d'Italia