Deposit account   

You get a guaranteed return of 3,25% gross annual interest until 31 December 2027, and your savings are available with a 32-day notice. All our deposits are protected up to €100,000 per depositor by the Interbank Deposit Protection Fund (FITD).

For more details on deadlines and rates, consult the information sheet in Transparency

Open X Risparmio Flexi
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How does it work?The right balance between profit and flexibility.

X Risparmio Flexi gives you a rate of 3,25% gross annual interest and the possibility to have your savings in 32 days.

Open X Risparmio Flexi
  • The return is calculated based on the money in the accountApplying an annual gross rate of 3,25%
  • We liquidate it every three monthsDirectly on your deposit account
  • Withdraw and deposit respecting the minimum and maximum balance limits
  • We settle and capitalize the interest every three monthsThe interest that accrues every three months is added to the previous capital and generates further returns. All directly into your deposit account.

Why choose it?X Risparmio Flexi is a solution that's favourable for you and for the country

Through your deposit, while you earn, we finance the projects of small to medium-sized Italian enterprises.

Open X Risparmio Flexi

  • Do everything online.

  • No obligation to open a new current account.

  • Your savings are protected up to €100,000 per depositor by the FITD.

  • You can open it in just a few steps.

Our investorsOver 100 million in capital and more than 50 investors

About us

What do you need?

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.

  • 01
    Tax Code

    from your national health card.

  • 02
    ID document

    ID card, passport and driving licence are accepted.

  • 03
    A device with webcam and camera

    such as a computer, tablet or smartphone.

  • 04
    IBAN

    of the current account you will use to operate the deposit account, that is, for deposits and withdrawals.

Still not sure?

  • 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 already opened an X Risparmio deposit account. Can I also open X Risparmio Libero?

    Sure! You can open X Risparmio Libero deposit account even if you already have one or more X Risparmio deposit accounts. Contrary of X Risparmio, you can subscribe to only one X Risparmio Libero deposit account.

  • Will the return on the Flexi Deposit Account always be the same?

    The rate of return shown on the page is valid from the opening date of the product until 31 December 2027. As of 1 January 2028, the rate is currently set to change to 1%.

Want all the details?Read the X Risparmio Flexi fact sheet in Italian

Download the PDF

Want a fixed-term?Discover the X Risparmio ProntoSmart deposit account.

You can choose the duration that suits you, from a minimum of 3 months up to 36 months.

Discover X Risparmio ProntoSmart

Depositor safety information

You can find more information about the protection of deposit accounts

Scarica il PDF