CiviBank
- Offers
- 11
- Instant access
- —
- highest effective
- Deposit
- 2.28%
- highest effective
- Deposit guarantee
- Until €100,000
- Italy scheme
Offers from CiviBank
- Spaarrekening met 31 dagen opzegtermijn1.50% · 1.50% effective€750interest per year
- Deposit 6 months2.27% · 2.28% effective · since 17 Sep 2026€1,141per year, annualised
- Deposit 9 months2.27% · 2.28% effective · since 17 Sep 2026€1,138per year, annualised
- Deposit 1 year2.27% · 2.27% effective · since 17 Sep 2026€1,135interest per year
- Deposit 18 months2.27% · 2.26% effective · since 17 Sep 2026€1,129per year, annualised
- Deposit 2 years2.27% · 2.24% effective · since 17 Sep 2026€1,122per year, annualised
- Deposit 3 years2.02% · 1.98% effective€990per year, annualised
- Deposit 4 years2.12% · 2.06% effective€1,028per year, annualised
- Deposit 5 years2.18% · 2.09% effective€1,045per year, annualised
- Deposit 7 years2.25% · 2.11% effective€1,056per year, annualised
- Deposit 8 years2.25% · 2.09% effective€1,045per year, annualised
Saving at CiviBank
CiviBank is a brand of Banca di Cividale S.p.A., a bank from Italy. From the Netherlands you open an account through the savings platform Raisin: one Raisin account, with your money held at CiviBank in your name.
For €50,000 we list 1 notice account and 10 deposits from CiviBank, with terms from 6 months to 8 years. With a notice period the highest is 1.50% (Spaarrekening met 31 dagen opzegtermijn). The best-paying deposit runs for 6 months at an effective 2.28% a year.
The lowest minimum deposit is €20,000.
Savings at CiviBank 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 CiviBank?
- At CiviBank the highest effective annual rate for €50,000 is currently 1.50% with a notice period and 2.28% on a 6 months deposit. The table on this page has every offer with its rate and conditions.
- Is my money safe at CiviBank?
- CiviBank (Banca di Cividale 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 CiviBank?
- Italy does not withhold tax on the interest of a saver who lives in the Netherlands.
- How do I open an account at CiviBank?
- From the Netherlands you open an account through the savings platform Raisin: one Raisin account, with your money held at CiviBank in your name.
Deposit guarantee and licence
- Institution
- Banca di Cividale 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- 17 Sep 2026, 03:01 · Rate upCiviBank – Termijndeposito (6 mo): 2.02% → 2.27%
- 17 Sep 2026, 03:01 · Rate upCiviBank – Termijndeposito (9 mo): 2.02% → 2.27%
- 17 Sep 2026, 03:01 · Rate upCiviBank – Termijndeposito (12 mo): 2.02% → 2.27%
- 17 Sep 2026, 03:01 · Rate upCiviBank – Termijndeposito (24 mo): 2.02% → 2.27%
- 17 Sep 2026, 03:01 · Rate upCiviBank – Termijndeposito (18 mo): 2.02% → 2.27%