IBL BancaTermijndeposito
Deposit · 6 months · IBL Banca S.p.A. · Italy · via Raisin
- Rate
- 3.16%
- 6 months fixed
- since 30 Oct 2026
- EffectiveThe effective annual rate for €16,600: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable.
- 3.18%
- for €16,600
- Your return on €16,600
- €529
- per year, annualised · €262 total over 6 months
- Deposit guarantee
- €16,600 fully protectedItalian scheme
IBL Banca S.p.A. · Fondo Interbancario di Tutela dei Depositi (FITD) · €100,000 per person per bank
Your calculation for €16,600
Gross interest over 6 months: €262.
Interest built up over 6 months
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.16% |
- Interest payout
- end of term, paid out
- Fees
- none
- Rate valid since
- 30 Oct 2026
- Access
- 6 months fixed · no early withdrawal
- Term
- 6 months
- Minimum deposit
- €10,000
- 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
Deposit guarantee
€16,600 fully protected
Italian scheme
IBL Banca S.p.A. · Fondo Interbancario di Tutela dei Depositi (FITD) · €100,000 per person per bank
Licence and verification
- Institution
- IBL Banca 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 |
|---|---|---|
| 30 Oct 2026 | 3.16% | current |
| 23 Oct 2026 | 3.09% | 30 Oct 2026 |
| 16 Oct 2026 | 2.95% | 23 Oct 2026 |
| 1 Oct 2026 | 2.88% | 16 Oct 2026 |
| 14 Sep 2026 | 2.76% | 1 Oct 2026 |
| 2 Sep 2026 | 2.66% | 14 Sep 2026 |
All historic rates of IBL Banca →All savings products of IBL Banca →
- 30 Oct 2026IBL Banca – Termijndeposito (6 mo): 3.09% → 3.16%
- 23 Oct 2026IBL Banca – Termijndeposito (6 mo): 2.95% → 3.09%
- 16 Oct 2026IBL Banca – Termijndeposito (6 mo): 2.88% → 2.95%
- 1 Oct 2026IBL Banca – Termijndeposito (6 mo): 2.76% → 2.88%
- 14 Sep 2026IBL Banca – Termijndeposito (6 mo): 2.66% → 2.76%
- 2 Sep 2026New: IBL Banca – Termijndeposito (6 mo) 2.66%
Rate checked on 2 Nov 2026.