Variable interest rates, inflation and uncertainty about the markets are pushing more and more families and savers to wonder if it is better to leave your money on the current account or move it on a deposit account. The first allows you to have immediate liquidity but often does not produce performance. The deposit account, on the other hand, offers higher interest rates but which may vary according to the credit institution that is chosen and the conditions that are applied. So what are the best 4 storage accounts to choose from August 2025?
The difference between free and tied storage accounts
Parking your assets on a current account is not a good idea and the main reason is inflation. With it, in fact, the prices increase and the purchasing power is reduced, with the risk that money loses value with the passage of time.
To this is added the fact that many current accounts provide for annual fixed expenses and monthly fees, so if the money remains inactive there is the risk that the costs further reduce the savings.
Just to prevent one’s capital from losing value, one of the solutions is that investing in deposit accounts. They are safe products covered by the Fitd, or from Interbank Deposit Protection Fundup to 100,000 euros per depositing and bank.
If you opt for this choice, it is necessary to know that there are two types of storage accounts:
The former give the possibility of having your money when you want while the latter are bound by a certain period, even if they offer a higher interest rate.
Among the best storage accounts of August 2025 there are:
- Project bank;
- Illimity Bank premium;
- Crédit Agricole;
- Cherry Bank.
Interest rate at 3.25% with the Progetto Bank Deposit account
The Project Bank Deposit account can be activated if the current account is also opened. It can be subscribed in the free and non -release version. The gross annual interest rates relating to the first solution are:
- 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.
The non -free version offers the following gross annual returns:
- 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.
Here is an example of performance:
Giacomo decides to invest 7,000 euros in the Project Bank Deposit account. From the calculator made available by the credit institution it is clear that after 60 months if you choose the free line, the total return will be 7,674 euros while in the event of a non -free line of 7,777 euros.
What Tasso offers the Illimity Bank deposit account
As mentioned, among the best storage accounts of August 2025 there is the premium of Illimity Bank but to sign it it is also necessary to have an Illimity current account. It is available in two versions, the free and the bound one. The gross -annual interest rates of the free line are as follows:
- 0.80% is obtained after 6 months;
- There is 2.60% the term of 12-18-24-36-48 and 60 months.
As regards the non -released line, the returns are the following:
- 1.30% is obtained after 6 months;
- There is 3% at the end of 12-18-24-36-48-60 months.
For both products, the minimum amount that can be deposited is 1,000 euros while the maximum one of 20,000,000 euros.
The free line, then, allows you to totally or partially release the money. In the first case, the bank does not give interest while in the second case, returns are recalculated on the sums that remain bound.
Finally, as regards the bound line, there is no possibility of early money release.
Here is an example of performance:
Giacomo decides to invest 7,000 euros in the Premium account. From the calculator offered by Banca Illimity it is clear that if you choose the bound formula, after 60 months they will get 7,776 euros while if it opts for the free one 7,673 euros. This return, explains the bank, is indicative of the gain for the entire period considered. The stamp duty, however, is not considered in the calculation.
Cherry Bank storage account
Among the best deposit council offers there is the one proposed by Cherry Bank, available if you also have a current account with this credit institution. There are three activated lines:
- Cherry Recall;
- Cherry bound;
- Cherry Box.
We start from the Recall, which offers an annual annual interest rate of 1.75% after 6-12-18-36-48-60 months and the maximum management of your capital, which can be attracted with a 32-day notice.
The bound, on the other hand, offers a gross performance:
- of 2.20% after 6-12-18-24 months;
- of 2.40% after 36-48-60 months.
Finally, the Cherry Box line offers a yield of 0.25% after 6-12-18-24-36-48-60 months.
Here is an example of performance:
Giacomo decides to invest 7,000 euros in the Cherry Bank deposit account. From the calculator made available by the credit institution it is clear that if it opts for the Recall line, obtain 7,455 euros after 60 months, if you choose the binding one, get a total net of 7,623 euros after 60 months while if it opts for that box it gets 7,066.5 euros. Cherry Bank announces that these figures are indicative in relation to the entire period considered but could undergo variations based on any changes in the taxation in force. In addition, the stamp duty is not calculated and must be subtracted by the total net.
Which Tasso offers the deposit account of the Crédit Agricole
The signing of a current account is also required to open the deposit account of Crédit agricultural. Thanks to it, a 2% gross annual interest rate is obtained for 3 -month constraints and 3% for constraints at 6 months.
This promotion lasts until 14 September 2025 and there is no opening or management expenditure as well as for the other accounts indicated above. It is possible to open it only if a minimum payment of 5,000 euros is made up to a maximum limit of 500,000 euros considering also the additional payments.
As for the interests, they are credited directly to the current account net of the withholding tax. At the expiry of the offer, then, the stock can be renewed with other dedicated promotions.
Here is an example of performance:
Giacomo invests 7,000 euros in the deposit account of the Agricultural Créite. After 6 months, he will get a net amount of 7,078 euros as communicated the calculator of the credit institution.
