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Not advice. Rates are gross, per year and as published by the provider. Variable rates can change. Outbound links may earn a commission; that never affects the order or the calculation.

Open an account at CiviBank
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CiviBankSpaarrekening met 31 dagen opzegtermijn

Notice period 31 days · Banca di Cividale S.p.A. · Italy · via Raisin
Open an account at CiviBank
Rate
1.50%
variable
Your return on €100,000
€1,500
interest per year
Deposit guarantee
€100,000 fully protected
Italian scheme

Banca di Cividale S.p.A. · Fondo Interbancario di Tutela dei Depositi (FITD) · €100,000 per person per bank

Your calculation for €100,000

Gross interest over 1 year: €1,500.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
€ 0€ 500€ 1k€ 1,5kstart6 mo1 yr€1,500After 1 month: €125 rate · balance €100,125After 2 months: €250 rate · balance €100,250After 3 months: €375 rate · balance €100,375After 4 months: €500 rate · balance €100,500After 5 months: €625 rate · balance €100,625After 6 months: €750 rate · balance €100,750After 7 months: €875 rate · balance €100,875After 8 months: €1,000 rate · balance €101,000

Rate and conditions

BalanceRate
€0 – and up1.50%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
23 Dec 2022
Access
Notice period 31 days
Notice period
31 days
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
  • Rente-op-rente. Rente wordt jaarlijks bijgeschreven op de spaarrekening

Deposit guarantee

€100,000 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-disclosure
detailsFondo Interbancario di Tutela dei Depositi
source ↗ · 18 Sep 2026
Taxes
Country
Italy
Withholding tax
No withholding tax
Standard rate
0.00%
For a Dutch saver
0.00%
Notes
Italië heft geen bronbelasting op spaarrente van niet-ingezetenen (vrijstelling voor EU-inwoners bij bankdeposito's).

Rate history

1.50% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

All historic rates of CiviBank →All savings products of CiviBank →

  • 2 Sep 2026New: CiviBank – Spaarrekening met 31 dagen opzegtermijn 1.50%

Rate checked on 18 Sep 2026.

Other offers from CiviBank

6 months · 2.27% · Raisin9 months · 2.27% · Raisin1 year · 2.27% · Raisin18 months · 2.27% · Raisin2 years · 2.27% · Raisin3 years · 2.02% · Raisin4 years · 2.12% · Raisin5 years · 2.18% · Raisin7 years · 2.25% · Raisin8 years · 2.25% · Raisin
After 9 months: €1,125 rate · balance €101,125After 10 months: €1,250 rate · balance €101,250After 11 months: €1,375 rate · balance €101,375After 12 months: €1,500 rate · balance €101,500
€ 0€ 500€ 1k€ 1,5kstart3 mo6 mo9 mo1 yr€1,500After 1 month: €125 rate · balance €100,125After 2 months: €250 rate · balance €100,250After 3 months: €375 rate · balance €100,375After 4 months: €500 rate · balance €100,500After 5 months: €625 rate · balance €100,625After 6 months: €750 rate · balance €100,750After 7 months: €875 rate · balance €100,875After 8 months: €1,000 rate · balance €101,000After 9 months: €1,125 rate · balance €101,125After 10 months: €1,250 rate · balance €101,250After 11 months: €1,375 rate · balance €101,375After 12 months: €1,500 rate · balance €101,500

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