Deposit account   

You can get an gross annual rate of up to 3,2%. 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 ProntoSmart
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How does it work?Set money aside and earn more

X Risparmio ProntoSmart is the deposit account that combines one of the most competitive rates. You can withdraw your savings with 32 days' notice. Early withdrawal results in loss of interest. For all the details, consult the Information Sheet in Transparency.

Open X Risparmio ProntoSmart
  • The accrued return will be credited to your account at maturityChoose the duration that suits you best, from a minimum of 3 to a maximum of 36 months.
  • We will liquidate the initial investment and the accrued interestDirectly to your account, not just your current account
  • If you have an X Risparmio Libero deposit accountAt maturity, you can choose to transfer the funds to your Libero deposit account, so they keep growing thanks to the interest rate
  • You can have your money back during the bindingBy notifying us with 32 days notice and foregoing the interest

    Want to get an idea?Calculate the return on your deposit

    Choose an amount between 1,000 and 250,000 euro.

    Duration

    Why choose it?X Risparmio ProntoSmart 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 ProntoSmart

    • No obligation to open a new current account.

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

    • Do everything online.

    • 2.37% real income in 24 months.

    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 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.

    Want more details?Read the X Risparmio ProntoSmart fact sheet in Italian

    Download the PDF

    Depositor safety information

    You can find more information about the protection of deposit accounts

    Scarica il PDF