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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 Banca Sistema
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Banca SistemaTermijndeposito

Deposit · 1 year · Banca Sistema S.p.A · Italy · via Raisin
Open an account at Banca Sistema
Rate
3.15%
1 year fixed
since 17 Sep 2026
Your return on €10,000
€315
interest per year
Deposit guarantee
€10,000 fully protected
Italian scheme

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

Your calculation for €10,000

Gross interest over 1 year: €315.
Interest built up over 1 year
€ 0€ 200start6 mo1 yr€315After 1 month: €26.25 rate · balance €10,026.25After 2 months: €52.50 rate · balance €10,052.50After 3 months: €78.75 rate · balance €10,078.75After 4 months: €105 rate · balance €10,105After 5 months: €131.25 rate · balance €10,131.25After 6 months: €157.50 rate · balance €10,157.50After 7 months: €183.75 rate · balance €10,183.75After 8 months: €210 rate · balance €10,210After 9 months: €236.25 rate · balance €10,236.25After 10 months: €262.50 rate · balance €10,262.50After 11 months: €288.75 rate · balance €10,288.75After 12 months: €315 rate · balance €10,315

Rate and conditions

BalanceRate
€0 – and up3.15%
Interest payout
end of term, paid out
Fees
none
Rate valid since
17 Sep 2026
Access
1 year fixed · no early withdrawal
Term
1 year
Minimum deposit
€5,000
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

€10,000 fully protected
Italian scheme

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

Licence and verification
Institution
Banca Sistema 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

2.50%2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.15%2.95% from 2 Sep 2026 until 14 Sep 20263.05% from 14 Sep 2026 until 17 Sep 20263.15% from 17 Sep 2026 until now
2.50%2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now

Other offers from Banca Sistema

6 months · 2.80% · Raisin2 years · 3.15% · Raisin3 years · 3.10% · Raisin4 years · 3.05% · Raisin5 years · 3.10% · Raisin10 years · 3.00% · Raisin
€ 0€ 200start3 mo6 mo9 mo1 yr€315After 1 month: €26.25 rate · balance €10,026.25After 2 months: €52.50 rate · balance €10,052.50After 3 months: €78.75 rate · balance €10,078.75After 4 months: €105 rate · balance €10,105After 5 months: €131.25 rate · balance €10,131.25After 6 months: €157.50 rate · balance €10,157.50After 7 months: €183.75 rate · balance €10,183.75After 8 months: €210 rate · balance €10,210After 9 months: €236.25 rate · balance €10,236.25After 10 months: €262.50 rate · balance €10,262.50After 11 months: €288.75 rate · balance €10,288.75After 12 months: €315 rate · balance €10,315

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

3.15%2.95% from 2 Sep 2026 until 14 Sep 20263.05% from 14 Sep 2026 until 17 Sep 20263.15% from 17 Sep 2026 until now
FromRateUntil
17 Sep 20263.15%current
14 Sep 20263.05%17 Sep 2026
2 Sep 20262.95%14 Sep 2026

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

  • 17 Sep 2026Banca Sistema – Termijndeposito (12 mo): 3.05% → 3.15%
  • 14 Sep 2026Banca Sistema – Termijndeposito (12 mo): 2.95% → 3.05%
  • 2 Sep 2026New: Banca Sistema – Termijndeposito (12 mo) 2.95%

Rate checked on 18 Sep 2026.