Markets continue to be volatile, prices continue to rise and inflation shows no sign of retreating. These are the main reasons why many savers seek low risk solutions to invest their money such as deposit accounts. These products are increasingly popular because they offer Better interest rates compared to those of traditional current accounts. So what are the best of May 2025?
Because more and more Italians choose the deposit accounts
To make your money fruit in a simple way and without too many grattacopes more and more savers opt for deposit accounts. These products are also chosen because they are considered as a safe option.
Its money, in fact, is protected up to 100,000 euros for each account holder and for each bank thanks to the FIDT guarantee which is the Interbank Deposit Protection Fund. It means that if your credit institution has problems, your money until the indicated amount will be safe.
What are the best storage accounts of May?
The storage accounts like a lot because, unlike more complex financial products such as actions, there is no risk of losing capital. In fact, an investment on the stock exchange can earn a lot but there is a risk of losing everything in a few days. With the deposit account, however, you know exactly how much will be obtained at the end.
Among the best to choose in May 2025 there are:
- Orange account Ing;
- Banca Illimity account;
- account x savings of bank AIDEXA;
- Twist deposit account;
- Rendimax Banca Ifis;
- Cherry Bank account.
The Deposit account of Ing
Whoever opens the Arancio current account and also chooses the orange deposit can receive the 4% on savings for 12 months up to a maximum of 100,000 euros. The great advantage of this account is that to obtain this promotional rate there is no need to bind money or credit the salary. Your savings therefore remain free and always available and all operations can be managed quickly and quickly thanks to the app that allows you to control the balance and transfer funds wherever you are.
This type of account does not provide for management, opening, transfer or closing costs but to obtain the promotional rate it is necessary to open the current account and the deposit by May 24 and complete the activation with a bank transfer by 30 June.
Deposit account of the banking bank
Among the best deposit accounts of May 2025 there is also that of Banca Illimity for those who sign a premium current account. You can activate a deposit in a very simple and quick way directly to your home banking by choosing the amount, duration and type that best suits your needs. For non -free deposits, the gross annual interest rate is as follows:
- 0.80% after 6 months;
- 3.50% after 12-18- 24 months;
- 3.40% after 36-48 and 60 months.
If you opt for the free type, the gross annual performance is as follows:
- 1.30% after 6 months;
- 3.10% after 12-18- 24 months;
- 3% after 36-48 and 60 months.
Here is an example of performance:
Suppose we want to allocate 20,000 euros to the bound deposit line. From the Illimity Bank calculator, it is clear that after 6 months, the total amount that will be received at the end of the bond will be 20,096 euros while after 60 months of 22,516 euros. However, the stamp duty was not considered in the calculation.
Account x savings of bank aidexa
There is also the X Savings of Banca Aidexa among the best deposits of May 2025 as it has no opening, management or closing costs. The performance that matures is credited at the end of the period of the bond and the customer can choose the duration that best suits his needs starting from a minimum of 3 months up to a maximum of 36 months.
At the end of the deadline, then, both the capital and the accrued interests are liquidated directly on the connected current account. It is then possible to decide whether to automatically renew the constraint by communicating it from the reserved area starting from 32 days before the deadline.
The gross annual yield is as follows:
- 2.5% after 3 months and 6 months;
- 3.3% after 12 months;
- 2.5% after 18-24 and 36 months.
Here is an example:
Suppose to set aside 20,000 euros in the Aidexa bank account. From the bank’s calculator it is clear that the gross tax return of the tax after 36 months will be 1,110.00 euros.
Twist deposit account
The Twist deposit account as well as the others have no activation costs and the accrued interests are credited directly to the current account on a monthly basis of up to 24 months and quarterly for higher duration. With this account as well as for others, your money up to 100,000 euros per depositing is guaranteed by the FIDT which is the interbank deposit protection fund.
This type of account proposes different stained deposit solutions which can be all activated with a minimum amount of 10,000 euros. The gross annual interest rate is of:
- 2% after 3 months;
- 2.60% after 6 months;
- 3% after 12, 18, 24, 36, 48 and 60 months.
The rates applied are to be understood gross of taxes and deposit operations are subject to stamp duty in force for financial products. If there is an early extinction of the deposit for any reason, including the possible closure of the account, the rate applied will be 0%.
Deposit account Rendimax of Banca IFIS
Among the best storage accounts of May there is also that of Banca Ifis who offers three different types: free, like and tied. The latter with postponed constraint This is what the highest gross annual interest rate offers exactly:
- of 2.85% after 6 and 9 months;
- of 2.90% after 12 and 18 months;
- of 2.95% after 2 years;
- 3% after 3-4 and 5 years.
With early constraintInstead:
- After 6 and 9 months, 2.75%will be obtained;
- After 12 and 18 months, 2-3-4 and 5 years 2.80%.
Cherry Bank storage account
Those who have a current account with Cherry Bank can also benefit from the functionality of the deposit account thanks to which it is possible to bind their savings with interest rates up to 2.65% gross annual. To receive this interest rate, you must choose the tied solution that offers a gross annual performance of:
- 2.45% after 6-12-18 and 24 months;
- of 2.65% after 36-48 and 60 months.
The activation of the account and individual constraints has no cost as well as transfers between current account and deposit account. For this type of account, however, the early junction and the liquidation of the interest is not provided is quarterly.
