SI Conto! Deposit Account
This is a fixed-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.
Do you need assistance regarding the merger of Banca Sistema and Banca CF+?
Contact the dedicated Contact Center at the toll-free number 800 691 692, available Monday through Friday, from 8:30 a.m. to 6:00 p.m.
From abroad: +39 02 802801.
deposito
Comparison between interest rate and stamp duty by deposit duration.
deposito| Duration | Interest rate | Stamp Duty (0.20%) paid by the Bank |
|---|
| 3 MONTHS | 2.10% | 0.20% |
|---|
| 6 MONTHS | 2.15% | 0.20% |
|---|
| 9 MONTHS | 2.30% | 0.20% |
|---|
| 12 MONTHS | 2.60% | 0.20% |
|---|
| 18 MONTHS | 2.70% | 0.20% |
|---|
| 24 MONTHS | 2.70% | 0.20% |
|---|
| 30 MONTHS | 2.75% | 0.20% |
|---|
| 36 MONTHS | 2.80% | 0.20% |
|---|
| 42 MONTHS | 2.85% | 0.20% |
|---|
| 48 MONTHS | 2.90% | 0.20% |
|---|
| 54 MONTHS | 2.95% | 0.20% |
|---|
| 60 MONTHS | 3.00% | 0.20% |
|---|
| 120 MONTHS | 3.50% | 0.20% |
|---|
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! Deposit account 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, which guarantees each customer coverage up to a maximum of €100,000.00.
Advertisement for promotional purposes. For terms and conditions, see the Information Sheets.
Calculate Your Returns
Calculate and find out how much your savings will earn
Use a comma for decimals and a period for thousands, for example, 1,234.56.
3 MONTHS
Gross Annual Interest Rate
2.10%
Net Annual Interest Rate
1.55%
6 MONTHS
Gross Annual Interest Rate
2.15%
Net Annual Interest Rate
1.59%
9 MONTHS
Gross Annual Interest Rate
2.30%
Net Annual Interest Rate
1.70%
12 MONTHS
Gross Annual Interest Rate
2.60%
Net Annual Interest Rate
1.92%
24 MONTHS
Gross Annual Interest Rate
2.70%
Net Annual Interest Rate
2.00%
36 MONTHS
Gross Annual Interest Rate
2.80%
Net Annual Interest Rate
2.07%
120 MONTHS
Gross Annual Interest Rate
3.50%
Net Annual Interest Rate
2.59%
This is an indicative calculation provided for illustrative purposes only. You may also lock in funds for terms different from those indicated in this calculator. Rates effective as of June 22, 2026. This is an advertising message for promotional purposes. For terms and conditions, please refer to the Information Sheets.
