You can withdraw the deposited amount at any time. For more details on deadlines and rates, consult the information sheet in Transparency
Get an annual gross rate of 2,35%. All our deposits are protected up to €100,000 by the Interbank Deposit Protection Fund (FITD).
A safe investment?
Savings are protected by the FITD up to €100,000 per individual depositor. 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.
X Risparmio Libero allows you to keep the money close at hand. Simply withdraw to your linked main account.
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 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.
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.
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.
You can choose the duration that suits you, from a minimum of 3 months up to 36 months.
You can find more information about the protection of deposit accounts
