Banca SistemaTermijndeposito
Deposit · 6 months · Banca Sistema S.p.A · Italy · via Raisin
- Rate
- 3.15%
- 6 months fixed
- since 13 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.
- 3.17%
- for €16,800
- Your return on €16,800
- €533
- per year, annualised · €265 total over 6 months
- 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 6 months: €265.
Interest built up over 6 months
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.15% |
- Interest payout
- end of term, paid out
- Fees
- none
- Rate valid since
- 13 Oct 2026
- Access
- 6 months fixed · no early withdrawal
- Term
- 6 months
- 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 |
|---|---|---|
| 13 Oct 2026 | 3.15% | current |
| 7 Oct 2026 | 2.90% | 13 Oct 2026 |
| 24 Sep 2026 | 2.87% | 7 Oct 2026 |
| 14 Sep 2026 | 2.80% | 24 Sep 2026 |
| 2 Sep 2026 | 2.45% | 14 Sep 2026 |
All historic rates of Banca Sistema →All savings products of Banca Sistema →
- 13 Oct 2026Banca Sistema – Termijndeposito (6 mo): 2.90% → 3.15%
- 7 Oct 2026Banca Sistema – Termijndeposito (6 mo): 2.87% → 2.90%
- 24 Sep 2026Banca Sistema – Termijndeposito (6 mo): 2.80% → 2.87%
- 14 Sep 2026Banca Sistema – Termijndeposito (6 mo): 2.45% → 2.80%
- 2 Sep 2026New: Banca Sistema – Termijndeposito (6 mo) 2.45%
Rate checked on 2 Nov 2026.