Inflation and uncertainty for the future are pushing more and more people to look for some Savings solutions and of investment To protect the accumulated money with so much effort and among the favorite options there are i storage accounts. The reason is that these products are guaranteed by the interbank deposit protection fund thanks to which one’s capital is protected up to 100,000 euros for each holder.
Here are the best of July 2025those that offer a yield of up to 3.5% gross per year.
What are the best storage accounts of July 2025?
THE storage accounts They are savings and investment tools that most of the time lean on a traditional current account and give the possibility of obtaining higher income on the sums deposited.
They are the ideal option for those who want to secure their money safely without losing the opportunity to have a performance that grows over time.
There are two types of deposit accounts: there are those bound and those free. If you opt for the latter, the saver may have the money deposited when it wants while if you choose the former it is necessary to wait for the end of the bond to be able to withdraw the money together with the interest accrued. This type of accounts obviously offers higher interests and in some cases it also gives the possibility of collecting the money in advance, but often penalties are paid for this operation.
The deposit account can be requested from the branch of your bank or even online and usually in the latter case it is possible to count on higher returns.
Among the Best deposit accounts of the moment there are those of:
- Orange account of Ing;
- Illimity Bank premium account;
- Project bank account;
- Contate of Tyche Bank;
- Deposit account x Savings of Banca Aidexa.
| What is a deposit account | |
|---|---|
| 💡 Function | Keep money and get interest |
| 🔐 types | Free: you can take at any time Bound: the money remains blocked for a period (e.g. 6, 12 or 24 months) |
| 📈 Interest | Up to 3.5% per year (gross) Higher with constraint |
| 💶 Risks | Low Warranty up to 100,000 euros from the Interbank Deposit Protection Fund |
| 📜 taxation | Interests taxed at 26% Stamp duty of 0.20% per year on capital |
| 📑 Requirements | It is necessary to have a current support account |
| 👍 Advantages | Safety Certain returns Options with zero costs |
| ⚠️ Limits | Not usable for expenses, payments, direct withdrawals |
Orange account of ing
Among the best storage accounts of July 2025 there is always that Orange of ing as well as in June. Thanks to it you have an annual gross annual rate of 3.50% for 6 months without necessarily having to bind your savings. To benefit from this offer it is necessary:
- open the current account and the orange account by 19 July 2025;
- request the Mastercard debit card;
- make a first transfer that must be credited by 30 September 2025;
- Spend at least 100 euros with your debit card always by 30 June 2025.
Ing explains that the rate of 3.50% gross annual for the first 6 months will have from the date of activation of the orange account of up to a maximum of 100,000 euros.
Here is an example of performance:
Assuming that you want to set aside 10,000 euros in the Ing deposit account, after 6 months from what emerges from the calculator made available by the bank, 10,175.00 euros will be obtained. This example of return is gross of the withholding tax, the data are indicative and do not represent a commercial offer of the bank.
Illimity Bank premium Premium account
Who opens a premium current account with Illimity Bank can benefit from the premium deposit account that offers the following gross annual interest rates for the free type:
- 0.80% after 6 months;
- 2.60% after 12-18-24-36-48-60 months.
If you opt for the type binding The rates will instead be the following:
- 1.30% after 6 months;
- 3% after 12-18-24-36-48-60 months.
This type of account is 100% digital for which it can be activated or managed in a moment directly from the PC or smartphone.
Here is an example of performance:
Suppose to invest 20,000 euros in the Insomity Bank premium account, from the calculator made available by the bank it is clear that after 60 months 22,219 euros will be obtained. This net performance, explains Illimity, is indicative of the gain throughout the period considered without the calculation of the stamp duty.
Project bank account
Who will open a Key account with Project bank It will have a zero fee current account, a free international debt card and up to 3.25% on their savings if the latter will win.
More in detail, for the free type A gross annual rate of:
- 2% after 6 months;
- 2.25% after 12 months;
- 2.50% after 18 months;
- 2.75% after 24 months;
- 2.90% after 36 months;
- 3% after 48 months;
- 3.10% after 60 months.
As regards the type instead not freegross yield will instead be the following:
- 2.75% after 6 months;
- 3.25% after 12 months;
- 3.05% after 18 months;
- 3.50% after 24 months;
- 3.15% after 36 months;
- 3.20% after 48 months;
- 3.25% after 60 months.
Here is an example of performance:
Suppose we want to set aside 20,000 in the non -free deposit account of the Banca Progetto. After 60 months, as can be seen from the calculator made available by the bank, 22,405 euros will be obtained. However, the stamp duty is excluded from the calculation.
Contote of Banca Tyche
Then there is among the best options to be chosen in July 2025 also the Contote of Banca Tyche which will offer in the type bound the following gross annual yield:
- 2.3% after 6 months;
- 2.80% after 12-18-24-36-48 and 60 months.
The Tyche Bank announces that the expenses will be borne by the bank, the minimum stock must be 10,000 euros and maximum of 1,000,000 euros. The remuneration of the interest will then take place on a quarterly cadence postponed without having to wait for the expiry of the constraint.
Here is an example of performance:
Suppose we want to set aside in the Tyche Bank deposit account 20,000 euros. After 5 years, they will get as evidenced by the calculator made available by the Bank, € 22,072.00. The bank explains that the interest will be paid every three months on the account in a postponed way while the costs and stamp duty will be excluded from the calculation.
Deposit account x Savings of Banca Aidexa
We close our roundup of the best storage of July with that of AIDEXA Bank Which is online and for which there is no need to necessarily have to open the current account.
There are three types of account x savings which are the Flexi, there Binding and the Free.
The first offers an annual gross rate of 2.95% Until May 31, 2026 and also offers the possibility to get your money back within 32 days.
The bound line instead offers a gross annual rate of 2.5% After 3-6-12-18-24 and 36 months.
Finally, the Libero offers a gross annual rate of1.5% until 30 September 2025.
Here is an example of performance:
Suppose we want to invest 20,000 euros in the binding account of Banca Aidexa, after 36 months the gross revenue of the stamp duty will be 1,110.00 euros as can be seen from the calculator made available by the bank.
