Deposit account comparison · data as of 3 July 2026
What are your savings really earning?
Compare net rates, terms, stamp duty and early withdrawal options. Start with your capital and see what remains after fees and taxes.
Accounts shown are for the Italian market. Eligibility, rates and Italian tax assumptions are unchanged.
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We’ll rank the results by net rate, rather than the advertised rate.
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02 · Results
20 options for €20,000
Genius buddy - PROMO nuovi clienti
Gross rate
Net rate
2.79%
Term
Easy access
Type
Easy access
Early withdrawal available
Estimated annual net return
€ 557.80
Estimated net return at maturity
€ 557.80
Estimate proportional to the selected capital. Stamp duty shown as covered by the bank or not applied in the dataset; always check the information sheet.
Conto Arancio PROMO nuovi clienti
Gross rate
Net rate
2.76%
Term
12 months
Type
Easy access
Early withdrawal available
Estimated annual net return
€ 552.00
Estimated net return at maturity
€ 552.00
Estimate proportional to the selected capital. Stamp duty included in the dataset; always check the information sheet.
Deposito Più Promo Nuovi clienti con stipendio/pensione
Gross rate
Net rate
2.76%
Term
6 months
Type
Fixed term
Early withdrawal available
Estimated annual net return
€ 552.00
Estimated net return at maturity
€ 258.43
Estimate proportional to the selected capital. Stamp duty included in the dataset; always check the information sheet.
ContoTe
Gross rate
Net rate
2.59%
Term
60 months
Type
Fixed term
Early withdrawal available
Estimated annual net return
€ 518.00
Estimated net return at maturity
€ 2591.42
Estimate proportional to the selected capital. Stamp duty shown as covered by the bank or not applied in the dataset; always check the information sheet.
ContoTe
Gross rate
Net rate
2.52%
Term
48 months
Type
Fixed term
Early withdrawal available
Estimated annual net return
€ 503.20
Estimated net return at maturity
€ 2014.18
Estimate proportional to the selected capital. Stamp duty shown as covered by the bank or not applied in the dataset; always check the information sheet.
ContoTe
Gross rate
Net rate
2.44%
Term
36 months
Type
Fixed term
Early withdrawal available
Estimated annual net return
€ 488.40
Estimated net return at maturity
€ 1466.54
Estimate proportional to the selected capital. Stamp duty shown as covered by the bank or not applied in the dataset; always check the information sheet.
Conto Key - Time Deposit
Gross rate
Net rate
2.39%
Term
60 months
Type
Fixed term
Early withdrawal available
Estimated annual net return
€ 478.00
Estimated net return at maturity
€ 2391.31
Estimate proportional to the selected capital. Stamp duty included in the dataset; always check the information sheet.
Cherry Vincolato
Gross rate
Net rate
2.39%
Term
60 months
Type
Fixed term
Early withdrawal available
Estimated annual net return
€ 478.00
Estimated net return at maturity
€ 2391.31
Estimate proportional to the selected capital. Stamp duty included in the dataset; always check the information sheet.
Time Deposit
Gross rate
Net rate
2.39%
Term
48 months
Type
Fixed term
Early withdrawal available
Estimated annual net return
€ 478.00
Estimated net return at maturity
€ 1913.42
Estimate proportional to the selected capital. Stamp duty included in the dataset; always check the information sheet.
Conto Key - Time Deposit
Gross rate
Net rate
2.39%
Term
48 months
Type
Fixed term
Early withdrawal available
Estimated annual net return
€ 478.00
Estimated net return at maturity
€ 1913.31
Estimate proportional to the selected capital. Stamp duty included in the dataset; always check the information sheet.
Cherry Vincolato
Gross rate
Net rate
2.39%
Term
48 months
Type
Fixed term
Early withdrawal available
Estimated annual net return
€ 478.00
Estimated net return at maturity
€ 1913.31
Estimate proportional to the selected capital. Stamp duty included in the dataset; always check the information sheet.
Conto Key - Time Deposit
Gross rate
Net rate
2.39%
Term
36 months
Type
Fixed term
Early withdrawal available
Estimated annual net return
€ 478.00
Estimated net return at maturity
€ 1435.31
Estimate proportional to the selected capital. Stamp duty included in the dataset; always check the information sheet.
Conto Key - Time Deposit
Gross rate
Net rate
2.39%
Term
24 months
Type
Fixed term
Early withdrawal available
Estimated annual net return
€ 478.00
Estimated net return at maturity
€ 957.31
Estimate proportional to the selected capital. Stamp duty included in the dataset; always check the information sheet.
Conto Key - Time Deposit
Gross rate
Net rate
2.39%
Term
18 months
Type
Fixed term
Early withdrawal available
Estimated annual net return
€ 478.00
Estimated net return at maturity
€ 718.96
Estimate proportional to the selected capital. Stamp duty included in the dataset; always check the information sheet.
CD illimity PREMIUM - Non svincolabile
Gross rate
Net rate
2.32%
Term
60 months
Type
Fixed term
Early withdrawal available
Estimated annual net return
€ 463.20
Estimated net return at maturity
€ 2317.27
Estimate proportional to the selected capital. Stamp duty included in the dataset; always check the information sheet.
CD illimity PREMIUM - Non svincolabile
Gross rate
Net rate
2.32%
Term
48 months
Type
Fixed term
Early withdrawal available
Estimated annual net return
€ 463.20
Estimated net return at maturity
€ 1854.07
Estimate proportional to the selected capital. Stamp duty included in the dataset; always check the information sheet.
CD illimity PREMIUM - Non svincolabile
Gross rate
Net rate
2.32%
Term
36 months
Type
Fixed term
Early withdrawal available
Estimated annual net return
€ 463.20
Estimated net return at maturity
€ 1390.87
Estimate proportional to the selected capital. Stamp duty included in the dataset; always check the information sheet.
X Risparmio Cedola
Gross rate
Net rate
2.32%
Term
12 months
Type
Fixed term
Early withdrawal available
Estimated annual net return
€ 463.20
Estimated net return at maturity
€ 463.20
Estimate proportional to the selected capital. Stamp duty included in the dataset; always check the information sheet.
Conto D102 Social
Gross rate
Net rate
2.28%
Term
60 months
Type
Fixed term
Early withdrawal available
Estimated annual net return
€ 455.80
Estimated net return at maturity
€ 2280.36
Estimate proportional to the selected capital. Stamp duty included in the dataset; always check the information sheet.
Conto D102 Social
Gross rate
Net rate
2.28%
Term
48 months
Type
Fixed term
Early withdrawal available
Estimated annual net return
€ 455.80
Estimated net return at maturity
€ 1824.56
Estimate proportional to the selected capital. Stamp duty included in the dataset; always check the information sheet.
Free resource
Want to compare more scenarios?
Download the Italian spreadsheet to compare net returns, taxes, liquidity and risk using your own amounts.
Downloadable files are currently in Italian. Product and tax examples relate to Italy.
How to read the comparison
Four things to check before the rate
Deposit protection
Eligible deposits are generally covered up to €100,000 per depositor, per bank by the applicable guarantee scheme. Always check the institution and terms.
Rates, taxes and maturity
A fixed rate tells you how interest is calculated until maturity, taking account of taxes, stamp duty and early withdrawal terms.
Term and early withdrawal
Choose a term that suits your needs, from a few months up to 10 years.
Account terms
Check account opening, interest payments, the linked account and how to close the account.
Pros and cons
An objective assessment to help you decide
Pros
- Guaranteed, predictable returns
- FITD protection up to €100,000
- No risk of losing your capital
- Easy to open and manage
- No financial expertise required
- Very low or no management fees
Cons
- Lower returns than riskier investments
- Capital locked away for a fixed period
- Early withdrawal penalties
- 26% tax on interest
- No protection from inflation if it exceeds the return
- A minimum deposit is often required
Frequently asked questions
Everything you need to know about deposit accounts
What are deposit accounts?
Deposit accounts are banking products that let you lock away a sum of money for a set period in exchange for a guaranteed interest rate. They are simple, safe savings products designed to earn a return on your savings without risk.
What returns do deposit accounts offer?
Returns vary by bank and deposit term. The best deposit accounts currently offer gross annual rates of up to 3.7%. Net returns depend on tax (26%) and any stamp duty.
Are deposit accounts safe?
Yes, deposit accounts are guaranteed by the Fondo Interbancario di Tutela dei Depositi (FITD) up to €100,000 per depositor, per bank. This means your savings are protected up to this limit even if the bank fails.
What is the difference between fixed-term and withdrawable deposits?
A fixed-term account does not let you withdraw money before maturity without losing interest. A withdrawable account allows early withdrawal, usually with reduced or no penalties, offering more flexibility but often slightly lower rates.
All deposit accounts
Important notes
- • The rates shown are those published by the banks and may change
- • Net returns account for 26% tax on interest
- • Deposit products may incur annual stamp duty of 0.20%; some banks may cover it. Check the information sheet
- • Always check the bank’s information sheet before signing up
- • Dataset updated on 3 July 2026; rates and promotions may change before the next update
A simple, transparent comparison
The comparison uses data published by institutions and consistent criteria. Some buttons may be affiliate links: Punti Furbi may receive a commission at no extra cost to you, but also includes non-affiliated products. Always check the official documents.