Deposit account
You can withdraw the deposited amount at any time. For all the details, refer to the information sheet in Trasparenza
Get an annual gross rate of 1,75% and be protected by the Interbank Deposit Protection Fund (FITD).
Want to be free and secure?
Your savings are protected by the Interbank Deposit Protection Fund. Fact sheet in Trasparency.
Want to add money over time?
After opening, you can deposit additional amounts whenever you want, respecting the maximum balance limits.
Need your savings?
No problem! With X Risparmio Libero, you can withdraw the deposited amount whenever you wish.
How does it work?Withdraw when you want. Save for as long as you want.
X Risparmio Libero allows you to keep the money close at hand. Simply withdraw to your linked main account.
- The yield is calculated based on the money in balanceApplying an annual gross rate of 1,75%
- We liquidate it every three monthsDirectly on your deposit account
- Withdraw and deposit as much and whenever you wantObserving the deposit thresholds
Why choose it?X Risparmio Libero 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.
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.
What do you need?
Position yourself in a well-lit area and keep the valid documents and the items on this list within reach.
- 01Tax Code
from your national health card.
- 02ID document
ID card, passport and driving licence are accepted.
- 03A device with webcam and camera
such as a computer, tablet or smartphone.
- 04IBAN
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.
How can I best use the account?
X Conto is a zero-fee account. There are no costs for opening or closing. You'll only need to consider the standard costs for payment commissions and stamp duty.
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.
Want all the details?Read the X Risparmio Libero fact sheet in Italian
Want a fixed-term?Discover the fixed-term deposit account.
You can choose the duration that suits you, from a minimum of 3 months up to 36 months.
