Compare Fixed-Rate Deposits in Italy

Live offers across tracked providers in Italy — updated daily from the Giraffy database.

Live offers

18 live offers compared from 18 providers, from €2 % lordo p.a.. Updated daily.

Intesa Sanpaolo Deposito Vincolato Intesa Sanpaolo

€2 % lordo p.a.

  • Tutela del deposito: DGS UE — fino a 100.000 euro
  • Tasso di interesse: 2,00% lordo p.a.
  • Durata: 6–24 mesi
  • Deposito minimo: da €1.000
  • Penale uscita anticipata: NO

BPER Banca Deposito BPER Banca

€2 % lordo p.a.

  • Tutela del deposito: DGS UE — fino a 100.000 euro
  • Tasso di interesse: 2,00% lordo p.a.
  • Durata: 12 mesi
  • Deposito minimo: da €1.000
  • Penale uscita anticipata: NO

Buoni Fruttiferi Postali Poste Italiane

€2 % lordo p.a.

  • Tutela del deposito: DGS UE — fino a 100.000 euro
  • Tasso di interesse: 2,00% lordo p.a.
  • Durata: 36 mesi
  • Deposito minimo: da €50
  • Penale uscita anticipata: NO

Banco BPM Deposito Vincolato Banco BPM

€2.25 % lordo p.a.

  • Tutela del deposito: DGS UE — fino a 100.000 euro
  • Tasso di interesse: 2,25% lordo annuo
  • Durata: 12 mesi
  • Deposito minimo: da €1.000
  • Penale uscita anticipata: NO

BNL Deposito Vinolato BNL

€2.25 % lordo p.a.

  • Tutela del deposito: DGS UE — fino a 100.000 euro
  • Tasso di interesse: 2,25% lordo annuo
  • Durata: 12 mesi
  • Deposito minimo: da €1.000
  • Penale uscita anticipata: NO

UniCredit Deposito UniCredit

€2.50 % lordo p.a.

  • Tutela del deposito: DGS UE — fino a 100.000 euro
  • Tasso di interesse: 2,50% lordo p.a.
  • Durata: 12 mesi
  • Deposito minimo: da €1.000
  • Penale uscita anticipata: Sì – premere

Fineco Conto Deposito Vincolato Fineco Bank

€2.50 % lordo p.a.

  • Tutela del deposito: DGS UE — fino a 100.000 euro
  • Tasso di interesse: 2,50% lordo p.a.
  • Durata: 12 mesi
  • Deposito minimo: da €1.000
  • Penale uscita anticipata: NO

Banca Sella Deposito Vincolato Banca Sella

€2.50 % lordo p.a.

  • Tutela del deposito: DGS UE — fino a 100.000 euro
  • Tasso di interesse: 2,50% lordo p.a.
  • Durata: 12 mesi
  • Deposito minimo: da €1.000
  • Penale uscita anticipata: NO

Mediolanum Conto Deposito Vincolato Banca Mediolanum

€2.75 % lordo p.a.

  • Tutela del deposito: DGS UE — fino a 100.000 euro
  • Tasso di interesse: 2,75% lordo p.a.
  • Durata: 12 mesi
  • Deposito minimo: da €500
  • Penale uscita anticipata: NO

ING Deposito Vincolato ING

€3 % lordo p.a.

  • Tutela del deposito: DGS UE — fino a 100.000 euro
  • Tasso di interesse: 3,00% lordo p.a.
  • Durata: 12 mesi
  • Deposito minimo: da €1.000
  • Penale uscita anticipata: NO

AideXa Deposito AideXa Bank

€3.25 % lordo p.a.

  • Tutela del deposito: DGS UE — fino a 100.000 euro
  • Tasso di interesse: 3,25% lordo p.a.
  • Durata: 6–24 mesi
  • Deposito minimo: da €1.000
  • Penale uscita anticipata: NO

Trade Republic Obbligazioni Trade Republic

€3.75 % lordo p.a.

  • Tutela del deposito: DGS UE — fino a 100.000 euro
  • Tasso di interesse: 3,75% lordo p.a.
  • Durata: Variabile
  • Deposito minimo: da €1
  • Penale uscita anticipata: NO

Widiba Deposito Vincolato Widiba

4% grossolano

Deposito a tempo determinato presso la filiale di digital banking di MPS.

  • Tutela del deposito: DGS UE — fino a 100.000 euro
  • Tasso di interesse: 4,0% AER
  • Durata: 3 – 24 mesi
  • Deposito minimo: €1.000
  • Penale uscita anticipata: Vietato

Deposito Credenziali Credem

4% grossolano

Deposito a tempo determinato presso Credem con protezione FITD.

  • Tutela del deposito: DGS UE — fino a 100.000 euro
  • Tasso di interesse: 4,0% AER
  • Durata: 3 – 18 mesi
  • Deposito minimo: €1.000
  • Penale uscita anticipata: Vietato

Banca Progetto Deposito Banca Progetto

€4.25 % lordo p.a.

  • Tutela del deposito: DGS UE — fino a 100.000 euro
  • Tasso di interesse: 4,25% lordo p.a.
  • Durata: 12 mesi
  • Deposito minimo: da €5.000
  • Penale uscita anticipata: NO

Banca Ifis Rendimax Banca Ifis

€4.50 % lordo p.a.

  • Tutela del deposito: DGS UE — fino a 100.000 euro
  • Tasso di interesse: 4,50% lordo p.a.
  • Durata: 12–24 mesi
  • Deposito minimo: da €1.000
  • Penale uscita anticipata: Sì – premere

illimity Deposito Vincolato illimity Bank

4.80% grossolano

Deposito a tempo determinato offerto dalla principale banca di risparmio digitale italiana.

  • Tutela del deposito: DGS UE — fino a 100.000 euro
  • Tasso di interesse: 4,8% AER
  • Durata: 6 – 36 mesi
  • Deposito minimo: 5.000 euro
  • Penale uscita anticipata: Vietato

Uvetta sultanina Raisin

4.85% grossolano

Mercato europeo del risparmio: accedi ai depositi delle banche partner in tutta l'UE da un unico conto.

  • Tutela del deposito: DGS UE — fino a 100.000 euro
  • Tasso di interesse: Fino al 4,85% AER
  • Durata: 3 – 60 mesi
  • Deposito minimo: €1
  • Penale uscita anticipata: Vietato

What are Fixed Deposits in Italy?

A fixed deposit in Italy is a conto deposito vincolato: you commit a sum for a defined term and, in return, earn a guaranteed interest rate that is typically higher than an instant-access savings account. Terms commonly run from 3 to 60 months, letting savers ladder maturities or lock in today's rates for longer.

Because the return is fixed at the outset, fixed deposits appeal to savers who want certainty and are comfortable leaving the money untouched for the agreed period.

How the Italian market works

Two routes dominate. You can open a vincolato directly with an Italian bank such as illimity, Widiba, Banca Progetto, ING, Intesa Sanpaolo, UniCredit or Credem. Alternatively, the Raisin marketplace gives Italian savers access to fixed-term deposits at banks across the EU, each covered by that bank's home-country deposit guarantee scheme up to €100,000, often at rates higher than the domestic market.

A key distinction is whether the deposit is svincolabile (you can break the term early, usually forfeiting some interest) or non-svincolabile (locked with no early exit but paying a higher rate).

Key features

Guaranteed fixed rate — the rate is set when you open and does not change for the term.

Flexible terms — choose anywhere from 3 to 60 months to match your goals.

Svincolabile option — early-exit flexibility at a slightly lower rate.

Raisin marketplace — one login to compare and open deposits at EU banks, each with its national €100,000 guarantee.

Predictable interest — interest is paid on a set schedule (up-front, periodic or at maturity depending on the product), making cash-flow planning simple.

How to choose

Match the term to when you'll need the money — breaking a non-svincolabile deposit is impossible, so keep an accessible buffer elsewhere. Compare net rates after the 26% tax on interest, and if you use Raisin, note the deposit is protected by the foreign bank's home scheme rather than Italy's FITD (still €100,000 across the EU). Longer terms pay more but expose you to reinvestment risk if rates rise, while a laddering strategy — splitting a lump sum across several maturities — balances higher long-term rates against periodic access to part of your capital.

Leading providers in Italy

illimity Bank — a digital bank frequently topping vincolato rate tables.

Raisin — a marketplace opening access to EU banks' fixed deposits from one account.

Widiba and Banca Progetto — competitive term-deposit rates from challenger institutions.

ING, Intesa Sanpaolo, UniCredit and Credem — major banks offering fixed-term deposit products.

What it costs

Fixed-deposit rates currently range from around 2.0% up to roughly 4.85% gross, with longer and non-svincolabile terms at the higher end. There are usually no account fees to open a vincolato, but two deductions apply: the 26% withholding tax on interest earned, and the €34.20 annual imposta di bollo stamp duty on deposit accounts. Always compare offers on a net-of-tax basis.

Protections and regulation

Italian banks are supervised by Banca d'Italia, and their fixed deposits are protected by FITD up to €100,000 per depositor. Deposits opened through Raisin at other EU banks are covered by that country's equivalent scheme, also up to €100,000, under harmonised EU deposit-guarantee rules. This makes fixed deposits a very low-risk way to lock in a known return.

Common questions

Can I withdraw early? Only if the deposit is svincolabile; a non-svincolabile term is locked until maturity.

Are Raisin deposits safe? Yes — each is covered by the partner bank's home-country guarantee up to €100,000.

How is my interest taxed? A 26% withholding applies, plus the €34.20 annual stamp duty on the deposit account.

The cheapest Fixed-Rate Deposits in Italy is €2 % lordo p.a. from Intesa Sanpaolo.

Fixed-Rate Deposits in Italy — FAQ

What is the best fixed deposit rate in Italy right now?

Giraffy tracks 5 fixed-rate deposit accounts across Intesa Sanpaolo,BPER Banca,Poste Italiane,Banco BPM,BNL banks in Italy. The best rate currently tracked is €2 % lordo p.a.. Sort by highest rate and compare term lengths to see which account suits your timeline.

What is a fixed-rate deposit and how does it work?

A fixed-rate deposit (also called a fixed-term bond or term deposit) locks your money away for a set period — typically 3 months to 5 years — in exchange for a guaranteed interest rate. You agree the rate upfront, so rising or falling market rates don't change your return.

Are fixed deposits safe?

Yes — the FITD (Fondo Interbancario di Tutela dei Depositi) protects up to €100,000. Fixed deposits at Banca d'Italia-regulated institutions are typically among the lowest-risk savings options available. Rates are guaranteed; your principal and interest are protected up to the scheme limit.

Can I withdraw money early from a fixed deposit?

Most fixed deposits penalise early withdrawal — typically forfeiting 30–180 days of interest, depending on the institution and term length. Some accounts don't allow withdrawal at all before maturity. Check the early-exit penalty before locking in a large sum.

What is the difference between a fixed deposit and an easy-access savings account?

Fixed deposits pay a higher rate in exchange for locking your money away for a defined term. Easy-access accounts let you withdraw any time but pay a lower variable rate. If you have a cash lump sum you won't need for 6–24 months, a fixed deposit typically earns more.

What happens at the end of a fixed deposit term?

At maturity, most banks automatically roll your deposit into a new term at the prevailing rate — which may be higher or lower than your original deal. Set a diary reminder to review and re-compare rates before auto-renewal if you want to ensure you get the best rate available.

How are fixed deposit rates set in Italy?

Fixed deposit rates are closely linked to the central bank's benchmark rate. When the Banca d'Italia raises rates, banks tend to offer higher deposit returns — and vice versa. Comparing regularly helps you catch rate rises before banks reduce their offers.