Banca SistemaTermijndeposito
Deposit · 5 years · Banca Sistema S.p.A · Italy · via Raisin
- Rate
- 3.10%
- 5 years fixed
- since 14 Sep 2026
- EffectiveThe effective annual rate for €50,000: 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.
- 2.92%
- for €50,000
- Your return on €50,000
- €1,462
- per year, annualised · €7,750 total over 5 years
- Deposit guarantee
- €50,000 fully protectedItalian scheme
Banca Sistema S.p.A · Fondo Interbancario di Tutela dei Depositi (FITD) · €100,000 per person per bank
Your calculation for €50,000
Gross interest over 5 years: €7,750.
Interest built up over 5 years
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.10% |
- Interest payout
- end of term, paid out
- Fees
- none
- Rate valid since
- 9 Sep 2026
- Access
- 5 years fixed · no early withdrawal
- Term
- 5 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
€50,000 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-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.