CiviBankTermijndeposito
Deposit · 9 months · Banca di Cividale S.p.A. · Italy · via Raisin
- Rate
- 2.27%
- 9 months fixed
- since 17 Sep 2026
- EffectiveThe effective annual rate for €50,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable.
- 2.28%
- for €50,000
- Your return on €50,000
- €1,138
- per year, annualised · €851 total over 9 months
- Deposit guarantee
- €50,000 fully protectedItalian scheme
Banca di Cividale S.p.A. · Fondo Interbancario di Tutela dei Depositi (FITD) · €100,000 per person per bank
Your calculation for €50,000
Gross interest over 9 months: €851.
Interest built up over 9 months
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 2.27% |
- Interest payout
- end of term, paid out
- Fees
- none
- Rate valid since
- 17 Sep 2026
- Access
- 9 months fixed · early withdrawal with loss of interest
- Term
- 9 months
- Minimum deposit
- €20,000
- Maximum deposit
- €100,000
- Current account required
- no
- For whom
- new and existing customers
- Open via
- Raisin (Raisin) · for residents of the Netherlands via Raisin
- Einde looptijd
- Tussentijds bijstorten en/of opnemen mogelijk
- Vervroegd opnemen mogelijk, zonder rente
Deposit guarantee
€50,000 fully protected
Italian scheme
Banca di Cividale S.p.A. · Fondo Interbancario di Tutela dei Depositi (FITD) · €100,000 per person per bank
Licence and verification
- Institution
- Banca di Cividale S.p.A.
- Status
- Verified European deposit guarantee scheme
- Scheme
- Fondo Interbancario di Tutela dei Depositi (FITD) (Italy)
- Guarantee
- €100,000 per person per institution
- Verification
- Raisin wettelijke DGS-disclosuresource ↗ · 2 Nov 2026
details
Fondo Interbancario di Tutela dei Depositi
Taxes
- Country
- Italy
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Italy withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
Rate history
| From | Rate | Until |
|---|---|---|
| 17 Sep 2026 | 2.27% | current |
| 2 Sep 2026 | 2.02% | 17 Sep 2026 |
All historic rates of CiviBank →All savings products of CiviBank →
- 17 Sep 2026CiviBank – Termijndeposito (9 mo): 2.02% → 2.27%
- 2 Sep 2026New: CiviBank – Termijndeposito (9 mo) 2.02%
Rate checked on 2 Nov 2026.