For those looking for a balance between performance and safety, deposit accounts can be a winning choice. The reason is that they offer a guaranteed return in the face of a low risk. They are therefore an option valid for those who want to preserve their capital without giving up having an income, albeit minimal, and for those who do not want to expose themselves to speculative investments. So what are the best storage accounts of June 2025, which offer the highest interest rates of the moment?
What are the advantages of deposit accounts
Leaving your money parked on the current account is not always a good idea. The reason is that the latter usually offers interests close to zero so the money on it could also be reduced over the years for any management costs.
With inflation, then, prices increase so that money that you have parked in a few years could be worth less. It means that you can buy fewer things with the same amount.
Giacomo buys 1 kilo of bread today for 3 euros. In two years that same kilo of bread could also cost 3.30 euros. If you are holding the still money, you will lose purchasing power.
Investing money in accounts deposits or other safe tools such as postal fructifers will instead help to obtain higher interests than the current account. Certainly you will not become rich but at least you can count on a new small heritage to put aside for every need.
The bank filing solutions are then safe as the capital is guaranteed up to 100,000 euros for each holder thanks to the interbank deposit protection fund. It means that if the bank should fail, their money will be safe up to that amount.
The best in June 2025
The deposit accounts are distinguished in two categories: there are those bound he is not bound. The former usually offer higher interests but money cannot be touched for a certain period. The others, on the other hand, give the opportunity to withdraw the money when you want but offer lower interests.
Among the best in June 2025, there are:
- the orange account Ing;
- the Illimity deposit account;
- the Rendimax deposit account;
- the Klarna deposit account;
- The Cherry Bank deposit account.
Orange account ing
Who opens a Orange current account together with the orange account and requires the Mastercard debit card By July 19, it can receive 3.50% of gross annual interest for 6 months. There is no minimum amount for signing the deposit account but a maximum amount yes. The latter is 100,000 euros. Among the main characteristics of this product there is:
- the possibility of receiving the promotional rate without binding their savings;
- the possibility of using money when you want;
- The possibility of not necessarily crediting the salary.
Suppose we want to deposit 10,000 euros on the orange account. From the calculator made available by Ing, it is clear that at the end of the 6 months 10,175 euros will be received. This return is gross of the withholding tax and the data are indicative as they do not represent a commercial offer of the bank.
Illimity account
Among the best storage accounts of June 2025 there is also that Illimity For Premium customers. It is a product al 100% digital which can be managed in a moment directly from the PC or smart. The gross annual interest rates are the following for the free type:
- 0.80% after 6 months;
- 2.60% after 12-18-24-36-48 and 60 months.
For the non -free type, they are the following:
- 1.30% after 6 months;
- 3% after 12-18-24-36-48 and 60 months.
We dupon we want to set aside 10,000 euros in the Insomity bound account. After 60 months, as can be seen from the calculator made available by the bank, 11,109 euros will be received. This net performance, Illimity underlines, is indicative of the gain for the entire period considered so that the value could undergo a variation at the expiry of the same constraint following variations in the taxation in force. The stamp duty, then, is not considered in the calculation.
Rendimax account
Among the deposit accounts that offer higher interest rates in June there is also the Rendimax of Banca Ifis. The solution with postponed constraint offers the following gross annual yields:
- after 6-9-12 of 2.50%;
- after 18 months of 2.60%;
- after 24 months of 2.70%;
- after 36 months of 2.80%;
- after 48 months of 2.90%;
- After 60 months of 3%.
The availability of the sum is at the expiry of the bond, the opening and closing costs are equal to zero and the minimum amount for subscription is 1,000 euros.
Klarna account
One of the news of recent times is the deposit account Klarna who made his debut on the market very little. This type of account is protected by the “System of guarantee of Swedish deposits in accordance with a provision of the National Swedish debt office”. Just as it happens with the FIFTalso this account has protected up to a maximum of approximately 100,000 euros.
As for the gross annual interest rate of the bound account, it is:
- of 2.20% after 3 months;
- of 2.38% after 6 months;
- of 2.50% after 9 months;
- of 2.73% after 12 months;
- of 2.58% after 18 months;
- of 2.68% after 24 months;
- of 2.74% after 36 months;
- of 2.67% after 48 months.
It works in this way: to open the bound deposit, you will have to open a Klarna balance first from the app. It will then be necessary to transfer the money you want to invest from your bank account to this balance.
Usually you have to wait between one and three working days. Once this operation has been done, it will be possible to choose the duration and rate as well as transfer the amount that you want to save in the new bound deposit. There will be no documents to compile as everything will be digital and then there will be customer assistance 24 hours a day and 7 days a week.
Cherry Bank storage account
Also the deposit account of Cherry Bank It offers discrete interest rates. Just like the others, then, it is 100% digital and offers three different lines.
There is the Cherry Recall which offers maximum freedom in capital management. You can bind the money by having a rate of 2.25%. This solution is activated only once and you can move the money you want as long as there is a 32 -day notice.
There bound Instead, it gives the opportunity to grow your savings by choosing between seven deadlines. Obviously the more the money is kept set aside, the greater the interest rate:
- After 6-12-18-24 months you have 2.45% gross;
- After 36-48-60 months 2.65% gross.
Finally there is the Box line That is, free that gives the opportunity to demobilize your savings when you want. The yield in this case is 0.25% gross per year.
Suppose we want to set aside 5,000 euros in the bound line. From the calculator made available by Cherry Bank it is clear that after 60 months, the total net will be 5,490 euros. This amount, explains the bank, is indicative in relation to the entire period considered. From the net amount, then, the stamp duty must be removed.
