Over the past 12 months, following the progress of the financial market and the decisions of the ECB“The banks that propose the deposit accounts They have significantly reduced rates. The decline was clear, especially by considering the best promotions on the market, both for short -term deposits and for medium and long term deposits. In any case, exceeding 3% gross is still possible and savers looking for a remuneration on liquidity without constraints (or with the possibility of unparalleled junction) can benefit
of an average rate of the 2.59%.
Deposit account: what the market offers
The deposit account represents a savings product with a good interest rate on liquidity, which can be free, or bound. In this way it is possible to safely increase the value of liquidity, which otherwise would be stopped on the current account. The policies of the ECB with the cutting of the rates (The last one arrived at the beginning of March), over the past few months, have, however reduced the convenience of the deposit account, influencing the choices of the banks and consequently, the institutes today offer lower rates, both in the short period and in the long run “. The new investigation clarifies this aspect of the Seguggio.it Observatory who compared the data of March 2025 with those of March 2024 to highlight how banking institutions have adequate their proposals for the effective trend of financial markets and the choices of the ECB. The study took into consideration five different duration of the storage accounts, considering both the free and bin and free accounts.
A generalized drop
The decline on an annual basis that emerge is evident: The deposit account today offers on average a lower interest rate than last year. The differences are significant both considering savings solutions in the short term (6, 12 and 18 months), and those in the medium (36 months) and in the long run (60 months).
The data show the evolution of the market: A drop between 0.59 and 0.78 Points between March 2024 and March 2025. The most significant drop concerns the 6 -month deposit, but in all five cases there is a clear flexion compared to last year.
The decrease in rates becomes even more significant if you analyze the best Storage accounts proposed by the sample of banking institutions examined by the Seguggio.it Observatory. In this case, as highlighted in Table 2, the rate between 1 and 1.25 points according to the chosen duration.
Excellent solution for remuneration without constraints
The storage account “remains an option to be considered to take advantage of an all in all high interest rate. In fact, considering a deposit account at 12 months and taking into account exclusively unburseed or free accounts, it is possible to note that in March 2025 the annual gross rate is equal, on average, to 2.59%. The data is lower than that of last year (3.12%,) but it is still high enough to be able to obtain a significant net profit on liquidity “.
For small savers, therefore, the deposit account “remains an excellent tool to allocate excess liquidity, with the possibility of using it in case of need also benefiting from the guarantee of the interbank fund to protect deposits up to 100,000 euros per depositing “.
