Last week, the ECB announced a new cut of interest rates of 25 basis points. This is the sixth consecutive reduction since last June which will lead those who have a mortgage to support lower installments. This policy, however, if on the one hand has brought benefits to the mututers, on the other has reduced the convenience ofThe storage accounts.
Despite this, it is still possible to find deposits that offer gross performance of up to 4%. So here are the Best solutions of March 2025.
The drop in interest rates
Following the last cuts of the rates made by the ECB, the convenience of the deposit accounts has reduced itself and this also confirms a study carried out by Seguggio.it which compared the rates of March 2025 with those of 2024.
Considering the medium gross rate In comparison, it is clear that the variation is:
- -0.78 pp for the duration at 6 months -in March 2024 it was 3.42% while in March 2025 it is 2.64%;
- -0.69 pp for the duration at 12 months -in March 2024 it was 3.39% while in March 2025 it is 2.70%;
- -0.59 pp for the duration at 18 months -in March 2024 it was 3.19% while in March 2025 it is 2.60%;
- -0.72 pp for the duration at 36 months -in March 2024 it was 3.19% while in March 2025 it is 2.47%;
- -0.64 pp for the duration at 60 months -in March 2024 it was 3.12% while in March 2025 it is 2.48%.
Considering, however, the Maximum gross rate In comparison, the variation is:
- -1 pp for the duration at 6 months -in March 2024 it was 5% while in March 2025 it is 4%;
- -1 pp for the duration at 12 months -in March 2024 it was 5% while in March 2025 it is 4%;
- -1.1 pp for the duration at 18 months -in March 2024 it was 4.5% while in March 2025 it is 3.4%;
- -1.1 pp for the duration at 36 months -in March 2024 it was 4.5% while in March 2025 it is 3.4%;
- -1.25 pp for the duration at 60 months -in March 2024 it was 4.75% while in March 2025 it is 1.25%.
Although there has been the drop in rates, the deposit accounts remain an option to be exploited if you have excess liquidity. In addition, they give the possibility of benefiting from the FIDT guarantee or of the Interbank Fund to protect depositsI up to 100 thousand euros per depositing.
What are the best storage accounts of March 2025?
What is the best deposit account of the current month, the one that offers the higher interest rate?
Here are the best solutions of March 2025:
- Banca Ing’s orange account;
- Premium account of Banca Illimity;
- Progetto Progetto Progetto account;
- more deposit account of Banca Credem;
- Rendimax account of Banca Ifis.
Orange account Banca Ing is a free deposit that offers a gross interest rate of 4% for the first 12 months from the activation date up to a maximum of 50 thousand euros. Your money with this account will always be available. In fact, they can be transferred to the current account and take them when they are needed. In addition, transfer, management and closing operations will be free.
Premium account Banca Illimity, bound, offers a gross annual interest rate of 3.50% per constraints from 12 to 24 months and 3.40% for those from 36 to 60 months. To take advantage of this offer, however, it is necessary to open the Illimity Premium current account.
Project account of Banca Progetto offers a gross rate of up to 3.35% for 60 months for the free type. For the one that is not released, however, gross yield reaches 3.50%. Just as for the Ing account, in order to have this offer it will be necessary to open the current account first.
Più deposit account Banca Credem offers an annual 6 -month annual rate of 3% if at least 5 thousand euros are deposited. In order to have this product you need to open the Credem Link online current account.
Rendimax account Bin of Banca Ifis offers a gross annual return of 3% after 3-4 and 5 years if minimum 1000 euros are set aside.
