How much the bank guarantee for an Italy tourist visa costs in 2026

Are you about to invite a foreign national to Italy and want to know right away how much you will spend on the bank guarantee? Here is the answer, no beating around the bush.

The cost of the bank guarantee in 2026: the straight answer

Do you also need the health insurance policy? There is a complete package

Note: the cost is not the same thing as the guaranteed amount

This is the most common confusion. Many people read “guarantee of 3,905 euros” and think they have to pay that figure. That is not the case.

Item	What it is	Who pays it	How much
The cost (the “premium”)	The price of the service you pay us	You (the person inviting)	135 euros
The guaranteed amount	The sum the bank guarantees to the Italian State	The bank (only if necessary)	3,905 euros

In plain terms:

You pay 135 euros to obtain a document in which a bank tells the Italian State, “if this person runs out of money, I guarantee up to 3,905 euros”.

You do not need to have 3,905 euros set aside, you do not have to deposit them anywhere, and you do not have to freeze them.

How much you spend with us and how much you spend at the bank: the comparison

Anyone who goes to their own bank to take out a guarantee often gets a surprise: the bank asks you to freeze the entire guaranteed amount (3,905 euros or even more) on your bank account.

That money stays “frozen” for the whole duration of the guarantee and you cannot use it.

Aspect	✨ With vistoperitalia.it	🏦 Traditional bank
How much you pay	135 euros	Variable (fees + frozen funds)
Money frozen	None. Your savings stay free.	Up to 3,905 euros frozen on the account
Bank account required	No	Yes, at the same bank
Issuance times	Within 24 hours	From 15 to 30 working days
Delivery	By email, with digital signature	Collection at the branch
On expiry	Closes by itself, you do not have to do anything	You have to request the release

The advantage is clear: with us you pay only the cost of the service, without tying up your savings and without wasting time on appointments at the branch.

What is included in the price of 135 euros

Here is everything you receive when you request the bank guarantee with us:

• ✅ Issuance of the bank guarantee for a guaranteed amount of 3,905.00 euros
• ✅ Duration of 180 days (6 months), covering stays of up to 90 days
• ✅ Delivery by email within 24 hours of receiving the documents and payment
• ✅ Document with digital signature: it is an original in every respect, valid for any Italian Embassy
• ✅ Free consultation in real time via WhatsApp, phone or email
• ✅ No money frozen on your bank account
• ✅ No bank account opening required
• ✅ Automatic closure on expiry: you do not have to do anything

What is NOT included:

• The health insurance policy (available separately or in the package at 245 euros)
• The declaration of hospitality / invitation letter (downloadable free of charge here)
• The issuance of the visa (which is at the Embassy’s discretion and does not depend on us)

Which documents are needed to request the bank guarantee

To issue the guarantee quickly, we need only a few documents. Here is what each person involved must prepare.

The person inviting (the policyholder)

• A front/back copy of a valid identity document (ID card or passport)

The person being invited (the beneficiary)

• A copy of the passport (the page with the photo, legible and complete)

The documents can be sent by email (info@vistoperitalia.it) or via WhatsApp (+39 339 71 50 157).

A clear photo taken with your phone is also fine.

📄 Download the Invitation Letter form (Declaration of hospitality)

How to request it: the procedure in 5 steps

For the complete guide on what the bank guarantee is, what it is for and how to avoid a visa refusal, read: “How to obtain the bank guarantee for a tourist visa“

Why is the price with us lower than with a traditional bank?

The difference does not lie in the quality of the document.

The guarantee has the same legal value, whether it comes from a traditional bank or from us.

The difference lies in the mechanism:

• The traditional bank asks you to freeze your money as collateral. In practice, it “freezes” 3,905 euros on your account. You do not lose them, but you cannot use them while the guarantee is active.
• We work with authorised finance companies that issue the bank guarantee without the need for your deposit. You pay only the cost of the service (135 euros) and your savings stay free.

The result for the Italian Embassy is identical: an official document that guarantees 3,905 euros.

The difference is only for your wallet.

If the visa is refused, can I get my money back?

No. It is important to know this before proceeding.

The cost of 135 euros covers the service of issuing the bank guarantee: preparing the document, signing it, and delivering it.

This service is carried out regardless of the outcome of the visa application.

Frequently asked questions about the cost of the bank guarantee