Landing in Italy

Permesso, codice fiscale, health cover, a SIM, residenza — every counter you have to visit in your first year is written down here. Take them in order. Nobody is in a hurry.

Codice fiscale

Italian tax code

A 16-character string of letters and digits — your identity key in Italy. Phone contract, bank account, rental contract, health registration, tuition: every one of them asks for it before anything else. It is free, and you walk out with the paper version the same day.

The first thing you do·Free

Permesso di soggiorno

Residence permit

The visa only gets you across the border; the permesso di soggiorno is what lets you stay legally. Non-EU students have to hand in the “yellow kit” — the kit giallo — at a post office within 8 working days of entering the country. Miss that deadline and it counts against your renewal, or you can be asked to leave.

Within 8 working days of arrival·From about €116 (breakdown further down)

Health cover and the SSN

Assicurazione sanitaria / SSN

You cannot get the visa without health cover. Once you are here you can enrol voluntarily in the SSN, Italy’s national health service: you get a tessera sanitaria, a family doctor (medico di base), and care that is essentially free. Students have a rate of their own.

Private cover for the visa, then switch to the SSN·Voluntary SSN enrolment for students: about €700 a year. Private policies: €120–€450 a year.

Phone number

Scheda SIM

Without an Italian number you cannot open a bank account, couriers cannot reach you and landlords cannot call you back. Prepaid — ricaricabile — is the simplest: €7–10 a month, with more data than you will get through.

You can do it the day your codice fiscale arrives·Activation €0–10, then €5.99–9.99 a month

Bank account

Conto corrente

Rent goes out by transfer, the scholarship comes in, tuition has to be paid — all of it needs an IBAN. Digital banks open in minutes; a traditional Italian bank is easier for landlords and universities to accept. Plenty of students keep both.

Once you have the post office ricevuta·Student accounts for the under-35s usually carry no management fee; an average yearly balance above €5,000 attracts €34.20 of stamp duty

Contratto di locazione

Rental contract

An Italian rental contract has to be registered with the Agenzia delle Entrate — the registrazione. An unregistered one has no standing in law. Only a registered contract will do for your permesso di soggiorno, your residenza, or a student aid application.

Read this before you sign·Registration tax of 2%, split half and half between landlord and tenant — or nothing at all if the landlord opts for cedolare secca. Stamp duty €16 per 4 pages.

Residenza anagrafica

Municipal residency

Registering your habitual address with the comune. With residenza you can get an Italian ID card, apply for ISEE-based student aid, claim the discounted transit pass, and move your medico di base to this city.

Once you have the permit and a registered contract·Free

Transit passes and student fares

Abbonamento trasporti

In Milan one card covers the metro, the buses and the trams. There is a separate annual price for the under-27s, and the ISEE can bring it down further. It works out at less than half what single tickets cost.

Sort it before term starts·ATM annual pass in Milan: about €200 a year under 27, about €330 a year at the standard rate

Enrolment, fees and the ISEE

Immatricolazione e ISEE

Tuition at an Italian state university is banded by household means, and which band you land in depends on your ISEE. International students need the ISEE parificato, the version that accounts for income earned abroad. Starting early can save you a four-figure sum in euros.

July to November each year — miss it and there is no second chance·ISEE parificato through a CAF: about €30–80. Tuition, depending on the band: €150–€4,000 a year.

The hard part of the first year is not finding a room
it is that nobody tells you which counter comes next

— WoWo · No.024