Banca SistemaTermijndeposito
Deposit · 3 years · Banca Sistema S.p.A · Italy · via Raisin
- Rate
- 3.10%
- 3 years fixed
- 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.
- 3.01%
- for €16,800
- Your return on €16,800
- €505
- per year, annualised · €1,562 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: €1,562.
Interest built up over 3 years
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.10% |
- Interest payout
- end of term, paid out
- Fees
- none
- Rate valid since
- 16 Jul 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 ↗ · 18 Sep 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
- 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
3.10% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.
All historic rates of Banca Sistema →All savings products of Banca Sistema →
- 2 Sep 2026New: Banca Sistema – Termijndeposito (36 mo) 3.10%
Rate checked on 18 Sep 2026.