Banca SistemaTermijndeposito
Deposit · 3 years · Banca Sistema S.p.A · Italy · via Raisin
- Rate
- 3.25%
- 3 years fixed
- since 7 Oct 2026
- EffectiveThe effective annual rate for €16,800: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
- 3.15%
- for €16,800
- Your return on €16,800
- €529
- per year, annualised · €1,638 total over 3 years
- Deposit guarantee
- €16,800 fully protectedItalian scheme
Banca Sistema S.p.A · Fondo Interbancario di Tutela dei Depositi (FITD) · €100,000 per person per bank
Your calculation for €16,800
Gross interest over 3 years: €1,638.
Interest built up over 3 years
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €546 | €17,346 |
| 2 years | €1,092 | €17,892 |
| 3 years | €1,638 | €18,438 |
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.25% |
- Interest payout
- end of term, paid out
- Fees
- none
- Rate valid since
- 7 Oct 2026
- Access
- 3 years fixed · no early withdrawal
- Term
- 3 years
- 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
€16,800 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-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 |
|---|---|---|
| 7 Oct 2026 | 3.25% | current |
| 2 Sep 2026 | 3.10% | 7 Oct 2026 |
All historic rates of Banca Sistema →All savings products of Banca Sistema →
- 7 Oct 2026Banca Sistema – Termijndeposito (36 mo): 3.10% → 3.25%
- 2 Sep 2026New: Banca Sistema – Termijndeposito (36 mo) 3.10%
Rate checked on 2 Nov 2026.