The storage accounts are savings and investment tools many loved ones for those who want to protect their capital and at the same time obtain a higher interest rate than that proposed by the current account. Here are the best, both bound and free, of the month of September 2025.
What is the difference between free and tied storage accounts?
First a necessary explanation on the two types of deposit accounts:
The free ones, as can be seen from the name, give the savers the possibility of depositing money and withdrawing it when he wants without any penalty. Interest rates, however, are lower than those of the bound accounts and the reason is that the credit institution does not have the certainty of maintaining the money deposited for a pre -established period.
The bound, on the other hand, are those in which the money remains deposited for a specific established period that can vary from several months to years. In exchange for the constraint, the credit institution offers a higher interest rate.
Example:
Suppose we want to open a deposit account of 10,000 euros for twelve months at a rate of 3% per year. To obtain the latter you will have to keep the money on the account for the whole year. If you take it after six months, there will be the danger of being able to receive only half of the interests or nothing. It will all depend on the account regulation.
Choose whether to opt for one or the other type depends on your needs. In any case, if you want maximum freedom of access to money, then it would be preferable to opt for a free account.
In the event that you want to maximize the performance, then the best choice will be the bound deposit account.
Which are the best bound storage accounts
The storage accounts are a safe product because the sums up to 100,000 euros per depositing and for the bank are guaranteed by the Fitd which is the interbank deposited interbank fund. It means that if a credit institution adherent to the FitD fails and is no longer able to return the money to the customer, the fund intervenes to make the refunds. This coverage is automatic and free for which the customer must not do anything to activate it.
Returning to the deposit accounts, among the best in September 2025 there are:
- the System account is;
- the binding of Banca Aidexa;
- the premium of Banca Illimity;
- Cherry Bank’s binding;
- The binding of the Banca Progetto.
System Bank account
Among the best deposit accounts that offer higher returns in September 2025 there is certainly the SI account of Banca System. This is the type not free with a minimum amount foreseen for the deposit of 500 euros. The gross annual yield is as follows:
- 2% after 3 months;
- 2.05% after 6 months;
- 2.10% after 9 months;
- 2.35% after 12 months;
- 2.45% after 24 months;
- 2.55 after 36 months;
- 3.70% after 120 months.
This account is protected from the FitD up to 100,000 euros and can be opened both online and in the branch.
Aidexa bank deposit account
Among the best 5 storage of September 2025 there is also that of Banca Aidexa binding that offers the following interest rates annual gross:
- 2.5% after 3 and 6 months;
- 2.9% after 9 months;
- 2.5% after 18 and 24 months;
- 3.1% after 36 months.
The minimum amount subscribable is 1,000 euros while the maximum of 100,000 euros. Just like the others, then, it is a safe product because it adheres to the Fitd.
Here is an example of performance:
Suppose invested 3,000 euros in the Banca Aidexa Bank deposit account. From the calculator made available by the bank it is clear that the gross revenue of the stamp duty will be after 36 months of 206.40 euros.
Deposit account of the banking bank
One of the best storage accounts of the moment is also the premium of Banca Illimity both in the tied and free version.
The latter type offers the following gross annual interest rate:
- 0.80% after 6 months;
- 2.60% after 12- 18 -24 – 36 – 48 – 60 months.
The non -released type, on the other hand, offers the following gross annual yields:
- 1.30% after 6 months;
- 3% after 12- 18-24 – 36 – 48 – 60 months.
The minimum amount depositable for both options is 1,000 euros while the maximum one of 20,000 euros. In the case of the free line, the total or partial junction of the sums is possible. If the redemption is total, however, the bank will not recognize any interest while in the case of partial junction, the interests will be calculated on the residual sums following the junction.
Example:
Suppose to invest 3,000 euros in the Illimity Bank premium deposit account. The total amount, without considering the stamp duty, after 60 months will be 3,3332 euros.
Cherry Bank storage account
Cherry Bank offers three different types of deposit account: there is Recall, the binding and the box. Let’s start from the first which is what offers freedom of movement and a gross rate that reaches up to 1.75%. It is possible to feed the account when you want and recall the sums in part or completely with a 32 -day notice. The gross annual interest rate of the Recall is 1.75% after 6 – 12- 18 -24 – 36 – 48 – 60 months.
Let’s move on to the bound Cherry which is the one that offers the highest performance thanks to the constraint. For this account, the gross annual interest rate is as follows:
- 2.20% after 6 – 12- 18 -24;
- 2.40% after 36 – 48 – 60 months.
Finally, the Cherry Box offers a gross interest rate from 6 months to 60 months of 0.25%. With it you have the immediate availability of the sums and you can make all the movements that you want with your capital.
Example:
If you want to invest 3,000 euros in the Cherry Bank’s bound account, from the calculator made available by the credit institution, it is clear that the net net at the end of the 60 months without consaping the stamp duty will be 3,267 euros.
Banca Progetto Banca Premium Deposit account
We close with the Progetto Bank Deposit account which is among the best in September 2025.
The bound type offers the following gross annual yield:
- 2.50% after 6 months;
- 3% after 12 months;
- 2.80% after 18 months;
- 3.25% after 24 months;
- 2.90% after 36 months;
- 2.95% after 48 months;
- 3% after 60 months.
If, however, the free type, the gross annual yield will be chosen, the following:
- 1.50% after 6 months;
- 1.75% after 12 months;
- 2% after 18 months;
- 2.25% after 24 months;
- 2.40% after 36 months;
- 2.50% after 48 months;
- 2.60% after 60 months.
Banca Project as well as the others adheres to the Fitd for which the coverage for each depositor is guaranteed up to 100,000 euros.
Example:
If you want to invest 5,000 euros in the Banca Progetto Bank account, the total return after 60 months without considering the stamp duty will be 5, .555 euros as can be seen from the calculator made available by the bank.
