Why Choose This Solution?
Fast
Get your VAT VIES guarantee in 3–4 business days.
Lowest Cost
Fixed price: €1,500 for the full 36-month period.
No Capital Blocked
Unlike bank guarantees, this solution does not freeze cash collateral.
100% Accepted
Fully compliant and always approved by the Italian Revenue Agency.
Best Solution when you have an Italian co-obligor and want the lowest cost to obtain VAT VIES Activation in italy
If you are a non-EU company or a non-EEA company and you want to do business in Italy through an Italian fiscal representative, one of the very first things the Italian Revenue Agency (Agenzia delle Entrate) will ask you for is a VIES guarantee.
The insurance-based VIES guarantee always requires an Italian co-obligor.
This can be your fiscal representative, an Italian director, or an Italian company that is willing to sign as co-guarantor together with your non-EU company.
If you do not have any Italian co-obligor available, or if your fiscal representative does not want to assume this role, you should consider one of the bank-based options instead: Bank Guarantee With Cash Collateral or Bank Guarantee via Life Insurance Policy.
On this page we explain, step by step and in plain English:
- What is the VIES Insurance Bond?
- Why is the VIES Insurance Bond mandatory under Italian law?
- How much does the VIES Insurance Bond cost?
- How does the co-guarantee (Italian co-obligor) work?
- Who can apply for the VIES Insurance Bond?
- Documents required to issue the VIES Insurance Bond
- Issuance Time
- Advantages compared to other VIES guarantee solutions
Our goal is simple:
to help you obtain your VIES VAT registration in Italy in a fast, clear and compliant way, without wasting time with banks and complicated financial products.
What is the VIES Insurance Bond?
The VIES Insurance Bond (also called VIES VAT surety bond, Italian VAT VIES guarantee or simply VIES guarantee) is a mandatory financial guarantee required by the Italian Revenue Agency for all non-resident companies that want to operate in Italy through an Italian VAT fiscal representative.
be valid for 36 months
cover potential Italian VAT debts
protect the Italian tax authorities against non-payment or fraud risks
With this insurance-based solution, the guarantee is issued by a fully licensed insurance company, recognised by Italian regulations and accepted by the Agenzia delle Entrate.
In very simple terms:
if the foreign company does not pay the VAT it should pay, the VIES Insurance Bond steps in and the Italian Revenue Agency can claim the money from the insurance company.
This is why the VIES VAT guarantee is a non-negotiable requirement for non-EU entities using a fiscal representative in Italy.
Why is the VIES Insurance Bond mandatory under Italian law?
The obligation comes from:
- the Provision of the Italian Revenue Agency dated 14 April 2025
- Italian Presidential Decree 633/1972, art. 35, paragraph 7-quater
The rule is clear:
a non-EU company can only be registered in VIES if it provides a financial guarantee in favour of the Italian State.
How much does the VIES Insurance Bond cost?
The insurance solution has a simple, transparent and fixed cost:
- 1% per year
- €1,500 total for the full 36-month period
There are:
- no hidden fees
- no separate underwriting fees
- no renewal charges during the 3-year period
In other words:
€1,500 all-inclusive for 3 years
for a fully compliant VIES VAT surety bond.
For many non-EU companies this is the most cost-effective way to secure an Italian VAT VIES guarantee.
How does the
co-guarantee (Italian co-obligor) work?
Italian regulations and insurance practice require that, for insurance-based guarantees, there is an Italian co-obligor (also called co-guarantor).
The co-obligor must be:
- an individual resident in Italy, or
- an Italian company
Typical examples:
- the Italian VAT fiscal representative
- an Italian chartered accountant
- an Italian director of a local entity
- an Italian shareholder
- an Italian group company linked to the foreign entity
The co-obligor’s role is straightforward:
they guarantee to the insurance company that the foreign company is reliable and that, in case of a claim, there is someone in Italy who can be held responsible.
What does the co-obligor need to provide?
For individuals:
- latest personal income tax return
- valid ID document
For Italian companies:
- most recent financial statements
- chamber of Commerce company extract
No mortgages, property pledges or other hard collateral are required. The insurer simply needs proof of minimum financial strength in Italy.
Who can apply for the VIES Insurance Bond?
The VIES Insurance Bond is designed for:
- non-EU companies
- non-EEA companies
- foreign businesses operating through an Italian VAT fiscal representative
- international groups selling goods or services into the Italian market
- foreign entrepreneurs opening a VAT number in Italy via a representative
It is not required for EU companies using direct VAT identification in Italy.
Documents required to issue the VIES Insurance Bond
Documents for the foreign company:
- full name and details of the Italian fiscal representative
- expected annual turnover in Italy
- country of legal seat
- ID of the legal representative
- company registry certificate
- AML file prepared by the fiscal representative
- privacy information notice signed
Documents for the Italian co-obligor:
- latest income tax return
- valid ID document
- financial statements + Chamber of Commerce extract (if company)
Issuance Time
Once all required documents are received and approved, the VIES Insurance Bond is typically issued within:
3-4
BUSINESS DAYS
Advantages compared to other VIES guarantee solutions
- significantly lower cost
- no cash deposit or frozen capital
- does not reduce bank credit lines
- fully accepted by the Italian Revenue Agency
- simple process
- fast issuance
- ideal when the Italian fiscal representative is willing to act as co-obligor
When the insurance solution is NOT recommended
- no co-obligor resident in Italy
- fiscal representative unwilling to act as co-guarantor
- the company prefers not to give personal or corporate guarantees
- preference for cash collateral or other financial guarantees
Step-by-Step Process
Delivery
VIES Registration in Italy
Compare with other VIES warranty Solutions
Below you will find a clear comparison of the three official VIES guarantee options.
No Cash Deposit Required
Avoid freezing €50,000 for 36 months — no blocked funds, no collateral needed.
Ideal for Fully Compliant Companies
Works for businesses with a clean VAT history and reliable F24 payment behaviour.
Fully Accepted by All Italian Tax Offices
A fast, sustainable insurance-based VAT guarantee with cost proportional to turnover.
The Strongest Traditional Option
Preferred by companies that want a classic bank-issued guarantee.
No Personal or Corporate Guarantees Needed
The €50,000 cash deposit replaces the need for any co-obligor or personal guarantees.
Fully Accepted by All Italian Tax Offices
The deposit is held as collateral for the entire guarantee period and released at the end if there are no tax issues.
No Italian Co-Obligor Needed
Perfect if your Fiscal Representative cannot act as co-guarantor.
Strong Bank-Issued Security
A guarantee backed by a financial institution, fully compliant with Italian law.
Collateral via €50,000 Life Insurance Policy
€50,000 are used to fund a single-premium life insurance policy pledged as collateral for the guarantee – no need to open an Italian bank account, but the amount remains tied up for the duration of the guarantee.
Get your VIES Insurance Bond in 3–4 days
Contact us to receive step-by-step assistance and quick issuance.
Avoid delays with traditional banks or slow insurance procedures.
Our team provides fast, professional support for foreign companies needing VIES guarantees.
You can contact us in several ways:
Write an email:
info@italiafideiussioni.itOr call one of our offices:
+39 055 28 53 13 +39 02 667 124 17You can also contact us via:
WhatsApp +39 339 71 50 157
If you prefer, you can write us by filling out this form: