The inflation that shows no sign of retreating, high prices and uncertainty on the bond and equity markets. Here are the main reasons why many savers are moving towards Low risk solutions To invest your money like deposit accounts. These products offer better interest rates than traditional current accounts and help to preserve their capital. So what are the best in April 2025?
Deposit accounts are a popular choice
The reasons why in recent years the deposit accounts have become an increasingly popular choice are different. First of all, they are considered safe investments because the funds are guaranteed up to 100 thousand euros per person and for the bank from FIFTwhich is the Interbank Deposit Protection Fund. Furthermore, unlike bonds, actions or ETF there is no risk of losing capital and in addition you can choose if bind your money or not.
They also became an alternative to volatile markets as they offer Certain returns And predictable, Ideal for those who want to avoid risks. By investing in shares and Crypto, however, the strong market oscillations could be undergoing.
What is the best deposit account of April 2025
Among the best deposit accounts in April, as well as for last March, there is Orange account Of Bank Ing which offers the 4% for 12 months without any constraint. In order to benefit from this offer, however, it is necessary to open it by April 24 and to simultaneously activate the current account with a bank transfer by 30 June. Only by following these indications can you access 4% gross per year for 12 months up to 100 thousand euros.
Here is an example of performance:
Suppose we want to set aside 10.000euro. As can be seen from the calculator of Ing, their savings will become at the end of the period of the twelve months 10,400 euros gross of the withholding tax.
The other best storage accounts of the month
In addition to that of Banca Ing, the other deposit accounts that offer i Best interest rates of April 2025 are:
- Illimity Bank premium account;
- Rendimax account of Banca Ifis;
- more deposit account of Banca Credem;
- CONSTRULTED account of IBL Banca.
How the Illimity Bank premium deposit account works
Banca Illimity premium deposit account can be freewith the following gross -annual interest rates:
- 0.80% after 6 months;
- 3.10% after 12-18 and 24 months;
- 3% after 36-48 and 60 months.
If the type is chosen instead bindingthe gross annual returns are as follows:
- 1.30% after 6 months;
- 3.50% after 12-18 and 24 months;
- 3.40% after 36-48 and 60 months.
Here is an example of performance:
Suppose we want to set aside 10.000euro in the non -free account. After 60 months, as can be seen from the Illimity Bank calculator, the total amount that will be obtained will be 11,258euro. However, the stamp duty was not considered in this calculation.
The characteristics of the Rendimax account
The Banca Ifis Deposit account is also among the best in April 2025. There are 3 different types of account:
The account free It offers a gross annual rate of 0.25% but with the possibility of immediately obtaining the summary sum. There is no cost for opening or closing, there is no minimum amount and the liquidation of interest is quarterly;
The account Likes It offers a gross annual rate of 1.25% with the possibility of being able to have the sum if you give a notice of 33 days. The minimum amount to be set aside to take advantage of the offer is 1,000 euros while the liquidation of interest is quarterly.
For the account boundas can be seen from the name, offers a gross annual interest rate of up to 3% only upon expiry of the constraint. Just as for the other two, costs for opening and closing must not be incurred while the liquidation of interest can be anticipated or possessed quarterly.
Here is an example of performance of the binding:
Suppose to set aside 10,000 euros. From the Banca IFIS calculator it is clear that after 5 years if you choose the postponed constraint, net interest will be approximately 1,109.39 euros. In the other case, however, 1,036 euros.
THE Interest rates Annui gross more than the bound deposit are exactly:
- 2.75% for the anticipated bond and 2.85% for the postponement after 6 and 9 months;
- 2.80% for the anticipated bond and 2.90% for the postponement after 1 year and 18 months;
- 2.80% for the early constraint and 2.95% for the postponement after 2 years;
- 2.80% for the early constraint and 3% for the postponement 3-4 and 5 years.
The offer of the deposit account more to 3%
Among the best offers in April 2025 on the deposit accounts there is also that of Banca Credem. The most deposit account, in fact, has annual interests at expiry and the possibility of freeing the sums when you want. In this case, however, a minimum penalty of 100 euros will be applied. It offers:
- a rate of 3% gross annual at expiry for 6 months on the new filed liquidity which must be minimal of 5,000 euros;
- of 3.25% gross per year for 7 months at expiry if an accumulation plan will be activated in investment funds of at least 36 months and with monthly payments of minimum 100 euros (offer reserved for those who enter new liquidity for a minimum of 5,000 euros on the current account and activate it in the branch);
- of 4% gross per year for 10 months at the expiry if you enter new liquidity (minimum 5,000 euros) and subscribe to an investment product or service such as Fondi and Sicav equal at least 30% of the amount set aside in the deposit.
How the IBL Banca bound account works
The IBL Banca deposit account also offers exclusive interest rates for those who activate this product by April 30, 2025 unless the offer is exceeded. If you opt for the bound deposit Time deposit A gross annual performance will be obtained:
- of 2.60% per sums tied for 3 months;
- of 2.65% for sums tied for 6 months;
- 2.75% for money tied for 12 months;
- of 2.85% for sums tied for 18 and 24 months.
- The interests will then be paid at the end of the bond.
If the constraint with the quarterly coupon Thanks to which interests can be collected every three months on the connected account, the gross annual performance will be as follows:
- 2.65% for 6 months;
- 2.75% for 12 months;
- 2.85% for 18-24 and 36 months.
