Deposit Account

This is a term deposit account with ZERO FEES, and the bank covers the 0.20% stamp tax. You do not need to have a Banca Sistema current account to open it.

The minimum deposit amount is 500.00 euros.

You can choose to set up one or more fixed-term deposits with terms ranging from 3 to 120 months.

ZERO
FEES
SECURITY
GUARANTEED
RETURN
ASSURED
ACTIVE
IN 24 HOURS
SEE THE FAQs
See the FAQs about the integration between Banca CF+ and Banca Sistema

Rates effective as of June 22, 2026.

(*) Stamp duty is not due if the term expires by December 31 of the same year the account is opened

SI conto! DEPOSITO is a safe product. The main risk is counterparty risk, i.e., the possibility that the bank may be unable to meet its obligations regarding the return of principal or the payment of interest. For this reason, Banca Sistema participates in the Interbank Fund for Deposit Protection, which guarantees each customer coverage up to a maximum of €100,000.00.

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For terms and conditions, please refer to the Information Sheets.

How to Open It

Before proceeding with the opening of a SI conto! Deposit account, we invite you to carefully read the informational documents provided on this page, in the “Useful Documents” section.

ON-LINE
IN BRANCH

Calculate Your Earnings

Use a period for decimals and a comma for thousands, for example 1,234.56.

3 MONTHS
Gross Annual Interest Rate
2.10%
Net Annual Interest Rate
1.55%
Net Interest
€0.00
Net Maturity Amount
€0.00
6 MONTHS
Gross Annual Interest Rate
2.15%
Net Annual Interest Rate
1.59%
Net Interest
€0.00
Net Maturity Amount
€0.00
9 MONTHS
Gross Annual Interest Rate
2.30%
Net Annual Interest Rate
1.70%
Net Interest
€0.00
Net Maturity Amount
€0.00
12 MONTHS
Gross Annual Interest Rate
2.60%
Net Annual Interest Rate
1.92%
Net Interest
€0.00
Net Maturity Amount
€0.00
24 MONTHS
Gross Annual Interest Rate
2.70%
Net Annual Interest Rate
2.00%
Net Interest
€0.00
Net Maturity Amount
€0.00
36 MONTHS
Gross Annual Interest Rate
2.80%
Net Annual Interest Rate
2.07%
Net Interest
€0.00
Net Maturity Amount
€0.00
120 MONTHS
Gross Annual Interest Rate
3.50%
Net Annual Interest Rate
2.59%
Net Interest
€0.00
Net Maturity Amount
€0.00

This is an approximate calculation provided for illustrative purposes only.
You can also lock in funds for periods other than those indicated in this calculator.
Rates effective as of June 22, 2026.
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For terms and conditions, please refer to the Information Sheets.

Customer service

siconto@bancasistema.it

800 691 629

Toll-free number

Available Monday to Friday from 8:30 a.m. to 6:00 p.m.

Milano

By appointment only from 8:30 a.m. to 1:00 p.m.

Largo Augusto 1/A, ang. via Verziere 13 20122 Milano - IT Tel. +39 02 8028 0241

Indicazioni Stradali

Useful Documents

Information Sheet
General Terms and Conditions
Product Information Sheet
Release Request
Change Default Account
Deposit Term Change Request
Term Deposit Order with Cheques