You get a guaranteed return of 2,35% gross annual interest until 31 July 2026, and your savings are available with a 32-day notice. All our deposits are protected by the Interbank Deposit Protection Fund (FITD). For all the details, refer to the information sheet in Trasparenza
Get more from your saving
You get an advantageous gain at a rate of 2,35% gross annual interest.
Earn until the last day!
Your liquidity is always available with a 32-day notice. You earn up to the day before withdrawal.
Want to be free and secure?
Your savings are protected by the Interbank Deposit Protection Fund. Fact sheet in Trasparency.
X Risparmio Flexi gives you a rate of 2,35% gross annual interest and the possibility to have your savings in 32 days.
Through your deposit, while you earn, we finance the projects of small to medium-sized Italian enterprises.
Do everything online.
No obligation to open a current account.
Your savings are protected by the FITD.
You can open it in just a few steps.
Position yourself in a well-lit area and keep the valid documents and the items on this list within reach.
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 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 July 2026. As of 1 August 2026, the rate is currently set to change to 1%.
You can choose the duration that suits you, from a minimum of 3 months up to 36 months.
