In addition to the current accounts online , in this period the banks make several offers also on deposit accounts , suitable to meet the needs of customers and with the intent to bring attention to an investment product that always remains in the hearts of Italians.
All online: current accounts and deposit accounts
Thanks also to the recent reforms of banking law, deposit accounts have greater protection than other financial instruments, thanks to the Interbank Protection Fund which guarantees the capital up to 100 thousand euros . So even after a bank crisis, these figures cannot be touched by anyone or lost, even in the event of bank failure. So in light of the recent scandals of some Italian banks, deposit accounts, thanks to this protection, have gained more appeal than other forms of investment.
Among the best offers of the moment we have:
- Mediolanum Banca with its “InMediolanum” account, a zero-cost deposit account that guarantees a gross annual interest of up to 0.80% (with a minimum bond of 5,000 euros). There are no charges or fees for opening, managing or operations. There are no deposit obligations and it is possible to release the sums deposited, at no cost and without penalty, with the remuneration of the sums deposited at the agreed junction rate for the duration of the actual deposit. For deposits with a duration of at least 6 or 12 months, the interest will be credited to the net quarterly.
- Monte dei Paschi di Siena proposes Conto Widiba , an online current account with no management fees but a stamp duty of 60 euros per year, linked to a c / c deposit offering a gross rate of 1.80% tied for the first year (up to 1.60% gross for the next 24 months), the settlement of the postponed interest and the release of the capital without management fees or penalties. This online account allows you to release the amount invested without paying any penalty, and does not include management fees; we remind once again that this type of deposit account provides, however, the payment of stamp duty of 60 euros per year.
- IBL, on the other hand, offers the SuIBL Account , a free deposit account, which offers a rate of 1.25% up to the end of the promotion (the rate then goes up to 0.75%). The stamp duty is 10.10 euros a year and interest is paid annually. There are no costs for opening, managing or even penalties for the release of the sums, which occurs immediately, and also has no time or performance limit restrictions.
Enjoy reading our Guide to online current accounts
In these pages you will find, for each bank, specific information on the online current account offered, reviews and advice on the offer, as well as an institutional presentation of the product.