Banca Sistema
Banca Sistema S.p.A · Italy
- Offers
- 7
- Instant access
- —
- highest effective
- Deposit
- 3.39%
- highest effective
- Deposit guarantee
- Until €100,000
- Italy scheme
Offers from Banca Sistema
- Deposit 6 months3.15% · 3.17% effective · since 13 Oct 2026€533per year, annualised
- Deposit 1 year3.35% · 3.35% effective · since 30 Oct 2026€563interest per year
- Deposit 2 years3.45% · 3.39% effective · since 30 Oct 2026€570per year, annualised
- Deposit 3 years3.25% · 3.15% effective · since 7 Oct 2026€529per year, annualised
- Deposit 4 years3.25% · 3.10% effective · since 7 Oct 2026€521per year, annualised
- Deposit 5 years3.25% · 3.06% effective · since 7 Oct 2026€514per year, annualised
- Deposit 10 years3.00% · 2.66% effective€447per year, annualised
Saving at Banca Sistema
Banca Sistema is a bank from Italy. From the Netherlands you open an account through the savings platform Raisin: one Raisin account, with your money held at Banca Sistema in your name.
For €16,800 we list 7 deposits from Banca Sistema, with terms from 6 months to 10 years. The best-paying deposit runs for 2 years at an effective 3.39% a year.
The lowest minimum deposit is €5,000.
Savings at Banca Sistema fall under Fondo Interbancario di Tutela dei Depositi (FITD), the statutory deposit guarantee scheme of Italy, up to €100,000 per person. We checked that with the supervisor or the scheme itself. Italy does not withhold tax on the interest of a saver who lives in the Netherlands.
- What is the savings rate at Banca Sistema?
- At Banca Sistema the highest effective annual rate for €16,800 is currently 3.39% on a 2 years deposit. The table on this page has every offer with its rate and conditions.
- Is my money safe at Banca Sistema?
- Banca Sistema (Banca Sistema S.p.A) takes part in Fondo Interbancario di Tutela dei Depositi (FITD). If the bank fails, that scheme repays your savings up to €100,000 per person, interest included.
- Do I pay withholding tax on interest from Banca Sistema?
- Italy does not withhold tax on the interest of a saver who lives in the Netherlands.
- How do I open an account at Banca Sistema?
- From the Netherlands you open an account through the savings platform Raisin: one Raisin account, with your money held at Banca Sistema in your name.
Deposit guarantee and licence
- Institution
- Banca Sistema S.p.A
- Status
- Verified European deposit guarantee scheme
- Scheme
- Fondo Interbancario di Tutela dei Depositi (FITD)
- Guarantee
- €100,000 per person per institution
- Verification
- Raisin wettelijke DGS-disclosuresource ↗ · 2 Nov 2026
details
Fondo Interbancario di Tutela dei Depositi
Recent changes
Rate historyRSS- 30 Oct 2026, 04:05 · Rate upBanca Sistema – Termijndeposito (12 mo): 3.30% → 3.35%
- 30 Oct 2026, 04:05 · Rate upBanca Sistema – Termijndeposito (24 mo): 3.35% → 3.45%
- 13 Oct 2026, 02:08 · Rate upBanca Sistema – Termijndeposito (6 mo): 2.90% → 3.15%
- 13 Oct 2026, 02:08 · Rate upBanca Sistema – Termijndeposito (24 mo): 3.25% → 3.35%
- 13 Oct 2026, 02:08 · Rate upBanca Sistema – Termijndeposito (12 mo): 3.20% → 3.30%
- 7 Oct 2026, 02:35 · Rate upBanca Sistema – Termijndeposito (36 mo): 3.10% → 3.25%
- 7 Oct 2026, 02:35 · Rate upBanca Sistema – Termijndeposito (6 mo): 2.87% → 2.90%
- 7 Oct 2026, 02:35 · Rate upBanca Sistema – Termijndeposito (60 mo): 3.10% → 3.25%
- 7 Oct 2026, 02:35 · Rate upBanca Sistema – Termijndeposito (48 mo): 3.05% → 3.25%
- 7 Oct 2026, 02:35 · Rate upBanca Sistema – Termijndeposito (24 mo): 3.15% → 3.25%
- 7 Oct 2026, 02:35 · Rate upBanca Sistema – Termijndeposito (12 mo): 3.15% → 3.20%
- 24 Sep 2026, 02:47 · Rate upBanca Sistema – Termijndeposito (6 mo): 2.80% → 2.87%
E-mail me when this changes
As soon as a rate or offer from Banca Sistema changes, you get one e-mail. Every mail has a one-click unsubscribe link.