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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 IBL Banca
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IBL BancaTermijndeposito

Deposit · 1 year · IBL Banca S.p.A. · Italy · via Raisin
Open an account at IBL Banca
Rate
2.68%
1 year fixed
Your return on €16,600
€445
interest per year
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

Your calculation for €16,600

Gross interest over 1 year: €445.
Interest built up over 1 year
€ 0€ 200€ 400start6 mo1 yr€445After 1 month: €37.07 rate · balance €16,637.07After 2 months: €74.15 rate · balance €16,674.15After 3 months: €111.22 rate · balance €16,711.22After 4 months: €148.29 rate · balance €16,748.29After 5 months: €185.37 rate · balance €16,785.37After 6 months: €222.44 rate · balance €16,822.44After 7 months: €259.51 rate · balance €16,859.51After 8 months: €296.59 rate · balance €16,896.59After 9 months: €333.66 rate · balance €16,933.66After 10 months: €370.73 rate · balance €16,970.73

Rate and conditions

BalanceRate
€0 – and up2.68%
Interest payout
end of term, paid out
Fees
none
Rate valid since
21 Aug 2026
Access
1 year fixed · no early withdrawal
Term
1 year
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-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).

Rates are gross. The Dutch box 3 wealth tax is separate and not included.

Rate history

2.68% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

All historic rates of IBL Banca →All savings products of IBL Banca →

  • 2 Sep 2026New: IBL Banca – Termijndeposito (12 mo) 2.68%

Rate checked on 18 Sep 2026.

Other offers from IBL Banca

3 months · 2.52% · Raisin6 months · 2.76% · Raisin
After 11 months: €407.81 rate · balance €17,007.81After 12 months: €444.88 rate · balance €17,044.88
€ 0€ 200€ 400start3 mo6 mo9 mo1 yr€445After 1 month: €37.07 rate · balance €16,637.07After 2 months: €74.15 rate · balance €16,674.15After 3 months: €111.22 rate · balance €16,711.22After 4 months: €148.29 rate · balance €16,748.29After 5 months: €185.37 rate · balance €16,785.37After 6 months: €222.44 rate · balance €16,822.44After 7 months: €259.51 rate · balance €16,859.51After 8 months: €296.59 rate · balance €16,896.59After 9 months: €333.66 rate · balance €16,933.66After 10 months: €370.73 rate · balance €16,970.73After 11 months: €407.81 rate · balance €17,007.81After 12 months: €444.88 rate · balance €17,044.88

Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe