Banca SistemaTermijndeposito
Deposit · 10 years · Banca Sistema S.p.A · Italy · via Raisin
- Rate
- 3.00%
- 10 years fixed
- 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.
- 2.66%
- for €50,000
- Your return on €50,000
- €1,329
- per year, annualised · €15,000 total over 10 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 10 years: €15,000.
Interest built up over 10 years
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €1,500 | €51,500 |
| 2 years | €3,000 | €53,000 |
| 3 years | €4,500 | €54,500 |
| 4 years | €6,000 | €56,000 |
| 5 years | €7,500 | €57,500 |
| 6 years | €9,000 | €59,000 |
| 7 years | €10,500 | €60,500 |
| 8 years | €12,000 | €62,000 |
| 9 years | €13,500 | €63,500 |
| 10 years | €15,000 | €65,000 |
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.00% |
- Interest payout
- end of term, paid out
- Fees
- none
- Rate valid since
- 19 May 2025
- Access
- 10 years fixed · no early withdrawal
- Term
- 10 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 ↗ · 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
3.00% 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 (120 mo) 3.00%
Rate checked on 2 Nov 2026.