The fixed-term deposit account that pays you monthly coupons at a gross annual rate of up to 3,4%, guaranteed for the entire duration of the deposit. For more details on deadlines and rates, consult the information sheet in Transparency
A safe investment?
Your savings are protected by the FITD up to €100,000 per depositor. Transparency information sheet.
Every month, you see the return.
Receive your monthly return directly to your account.
Fixed rate, guaranteed return
You lock in the rate at subscription and get a guaranteed, competitive return for the entire duration you choose, from 3 to 36 months
X Risparmio Cedola is a fixed-term deposit account with no opening, management or closing fees. On top of that, it offers the highest return rate among our products. Choose upfront how much you want to deposit and for how long. We pay out your interest every month. For all the details, consult the Information Sheet in Transparency.
Through your deposit, while you earn, we finance the projects of small to medium-sized Italian enterprises.
No obligation to open a new current account.
Your savings are protected up to €100,000 per depositor by the FITD.
Do everything online.
2.52% net return in 12 months
Position yourself in a well-lit area and keep the valid documents and the items on this list within reach. Before confirming the outcome of your request, we may contact you to ask for the submission of additional documents in order to comply with customer due diligence obligations.
from your national health card.
ID card, passport and driving licence are accepted.
such as a computer, tablet or smartphone.
of the current account you will use to operate the deposit account, that is, for deposits and withdrawals.
What’s the difference between X Risparmio, X Risparmio Libero and X Risparmio Flexi?
X Risparmio is a fixed-term deposit account from which you can get the maximum return on the money you deposit, by tying it up for a predetermined period. In case of early withdrawal, accrued interest is not recognized.
X Risparmio Libero is a deposit account that gives you freedom in its management because you can add or withdraw money whenever you want, respecting the maximum and minimum balance.
X Risparmio Flexi is a deposit account with a withdrawal notice. It gives you the freedom to add sums whenever you want and withdraw them by giving a 32-day notice.
I have taken out a loan with AideXa as the legal representative of a company. Can I still open a deposit account with you?
Of course! The process to follow is the same, but the deposit account can only be registered under your name as a private individual.
I have sent the request: what do I do next to open the deposit account?
Once all the steps have been completed, your request will be assessed and you will receive an email containing all the information you need to proceed, including the IBAN for the bank transfer.
You can find more information about the protection of deposit accounts
