Leaving money sitting in your bank account is not a good idea as it can lose value over time. The reason is not only inflation which reduces the purchasing power of savings, but also the yield which is almost always very low.
One solution is to invest in postal savings bonds, deposit accounts or in Poste Italiane’s Supersmart Deposits.
Here are the most interesting solutions to evaluate for investing 10,000 euros without exposing yourself too much to the financial markets.
In which deposit accounts should I invest 10,000 euros?
Deposit accounts are more convenient than current accounts because they usually guarantee higher interests. Furthermore, there is no risk of losing money as the latter, up to 100,000 euros per bank and depositor, is guaranteed by the Fitd, which is the Interbank Deposit Protection Fund.
Orange savings account
Among the best deposit accounts of the moment in which to invest 10,000 euros is that of Banca Ing. This is the Orange account thanks to which you can obtain 4% for twelve months up to a maximum deposit of 50,000 euros. In order to take advantage of the offer, it is necessary to open the Arancio current account together with the deposit by 23 May 2026 and then make a first transfer by 30 June 2026. Furthermore, it is necessary to credit the pension, salary or receive a transfer of at least 1,000 euros by 31 August 2026 and maintain it for the entire promotional period.
If you want to invest 10,000 euros in the ING deposit account, the calculator made available by the bank shows that you will get 10,400 euros at the end of the promotional period without considering stamp duty.
Cherry Bank savings account
There is also the Cherry Bank deposit account among the best for investing 10,000 euros. The restricted version, i.e. the one that does not offer the possibility of release, offers the following gross annual interest rates:
- 3.25% is obtained after 6-12 months;
- 2.20% is obtained after 18-24 months;
- you get 3.25% after 36 months;
- you get 3.50% after 48-60 months.
By investing 10,000 euros in this type of account, as can be seen from the calculator made available by the credit institution, after 60 months you will obtain 11,295 euros net from which the stamp duty must be subtracted.
Ibl bank deposit account
Ibl Banca’s Time Deposit, until June 30, 2026, offers promotional interest rates if you choose the time deposit.
You earn exactly:
- 1.80% after 3 months;
- 2.50% after 6 months;
- 2.80% after 12 months;
- 2.95% after 18 months;
- 3.05% for 24 months;
- 3.25% after 36 months;
- 3.50% after 48 months.
By investing 10,000 euros in this account, the calculator made available by the bank shows that at the end of 48 months you will obtain 1,036 euros in interest. However, stamp duty was not considered in the calculation.
In which postal savings bonds to invest 10,000 euros?
Postal savings bonds also allow you to obtain higher interest rates than current accounts. The advantages of depositing your money in these products are many. They are in fact issued by Cassa Depositi e Prestiti, placed on the market by Poste Italiane and safe because they are guaranteed by the State.
Premium voucher 4 years Plus
If you want to invest money for short periods, you can opt for the 4-year Plus postal savings bond which lasts 4 years and offers a gross interest rate of 1.50%. Reimbursement of this security can be obtained at any time as long as it occurs within the statute of limitations, exactly 10 years after the expiry of the paper security.
By investing 10,000 euros in this security, the calculator made available by Poste Italiane shows that a net return at maturity of 10,536.94 euros is obtained. However, the calculation does not include the stamp duty which is calculated based on current legislation.
The 3×4 voucher with prize
Among the best postal savings bonds of the moment there is also the 3×4 with a premium which lasts twelve years and offers predefined and increasing returns which are recognized after three, six, nine and twelve years. Before the third year, you are only entitled to a return of the invested capital, while the premium is obtained only at the end of the twelfth year.
The gross annual rate including the premium at maturity is:
- by 1% after 3 years;
- by 1.50% after 3 years;
- by 2% after 9 years;
- by 2.87% after 12 years.
The gross premium is paid exclusively on maturity and on the nominal value and is 6%, as reported in the conditions in force from 8 April 2026.
By investing 10,000 euros in this product, the Post Office calculator shows that the net redemption value at maturity is 13,542.78 euros of which 525 euros is a net premium at maturity. However, stamp duty is not considered in the calculation.
Ordinary good
Ordinary vouchers are ideal products for those looking for long investments as they last 20 years. They are among the oldest products placed by Poste and offer the following gross annual interest rates:
- 0.75% after 1-2-3-4 years;
- 0.90% after 5 years;
- 1.04% after 6 years;
- 1.14% after 7 years;
- 1.25% after 8 years;
- 1.36% after 9 years;
- 1.47% after 10 years;
- 1.57% after 11 years;
- 1.64% after 12 years;
- 1.75% after 13 years;
- 1.86% after 14 years;
- 1.97% after 15 years;
- 2.07% after 16 years;
- 2.18% after 17 years;
- 2.28% after 18 years;
- 2.37% after 19 years;
- 2.50% after 20 years.
If you want to invest 10,000 euros in this voucher, the calculator made available by Poste shows that the net reimbursement value upon expiry is 15,587.92 euros. However, stamp duty is not considered in the calculation.
Supersmart depots
To obtain higher interest rates you can also deposit your money in Supersmart Deposits if you have a Smart savings account. In fact, they offer higher returns than those of the basic savings account, which are 0.001% gross per year.
Supersmart Plus deposits
The Supersmart Plus deposit is a product dedicated to adult customers with an active Smart Savings Option which offers a gross annual rate of 3.25% on the sums set aside after 181 days. You can subscribe starting from 500 euros and up to a maximum of 10,000 euros per single booklet and can be deactivated at any time. In the latter case, however, the provisions deactivated early are remunerated at the basic interest rate of the Smart Booklet. This type of offer is dedicated to those who open a BancoPosta account or request a Postepay Evolution card and do not already have a Smart passbook.
If you invest 10,000 euros in this offer, from the calculator made available by Poste, it can be seen that the net interest received is 119.26 euros. However, stamp duty is not considered in the calculation.
Supersmart Renew Depot
Finally, there is the Supersmart Rinnova deposit which guarantees higher returns than a simple postal booklet. However, it is not an offer available to everyone, but only to those who have one or more set aside offers or Supersmart Deposits expired starting from 1 April 2025. With it, you earn 1.75% gross upon expiry of 540 days. The free sums, however, i.e. those that are not subject to provisions and provisions deactivated in advance, are remunerated at the base rate or 0.001%.
If you want to invest 10,000 euros in this offer, the calculator made available by Poste shows that you will earn 191.59 euros after 540 days. Net interest is determined by applying the current withholding tax and is gross of stamp duty.
