Relying on deposit accounts is a strategic choice if you want to make the money you don’t use profitable in the medium term. Compared to traditional current accounts, in fact, they offer a higher return, especially if you choose the restricted type with which the money remains set aside for a fixed period. To receive the highest interest rate, which deposit accounts should you choose in November 2025?
Who are deposit accounts suitable for?
Deposit accounts are a savings and investment tool suitable for those seeking security and flexibility. The latter, especially if you opt for free deposit as with it you can access your funds whenever you want. The interest rates, however, are lower, making it an ideal product for those looking for an alternative to a current account without giving up the immediate availability of their assets. If you have the option to wait, the fixed solution is the best.
Both accounts, in any case, are ideal:
- if you have medium-term objectives as the maximum duration of the constraint is usually 60 months, even for some banks it reaches up to 120 months;
- if you want to save gradually as for the unrestricted type it is also possible to pay periodic sums.
What are the best time deposit accounts for November?
Fixed deposit accounts, as explained, offer higher interest rates than free ones in exchange for the temporary blocking of the sums.
Those who choose them can obtain safe and risk-free earnings thanks to the fact that the deposited capital is guaranteed by the Fitd or by the Interbank Deposit Protection Fund up to 100,000 euros per depositor.
If the bank is not Italian, the protection remains the same as Directive 2009/14/EC has set the uniform deposit coverage limit throughout the European Union at one hundred thousand euros.
So which ones should you choose in November to make your savings work? Certainly among the best deposit accounts there are:
- Ing bank Orange account;
- Yes System bank account;
- restricted deposit account Cf;
- Illimity deposit account;
- Time deposit Ibl bank.
Ing. Bank Orange Account
The deposit account that offers the highest interest rate in November 2025 is that of Ing Bank. To take advantage of this offer it is necessary to open the current account using the code “ING2025” by 24 January 2026, also adding the savings deposit and the Mastercard debit card.
Alternatively, the debit card and the Orange account can also be requested after opening the account with the same code from your reserved area or from the Ing website. To benefit from 4% for 6 months, both the current and deposit accounts must have the same name.
If you do not carry out all the steps indicated, such as at least one purchase with the debit card, a promotional rate of 4% will be recognized on the sums deposited until 28 February 2026. For amounts that exceed 50 thousand euros or after the first 6 months from the opening of the account, the basic gross annual nominal rate will instead apply.
Here is an example of performance:
let’s suppose we want to set aside 10,000 euros in the Orange account. From the calculator made available by Ing bank, it can be seen that after 6 months your savings will become 10,200 euros.
Yes System bank account
The Si Sistema bank deposit account is a safe product as it adheres to the Fitd which guarantees the customer a maximum coverage of 100,000 euros. It is free of charge with stamp duty of 0.20% paid by the credit institution. To open it it is not necessary to have a current account with a Sistema bank but the minimum amount for the deposit must be 500 euros.
The gross annual returns based on the constraint are as follows:
- after 3 months you get 2%;
- after 6 months you get 2.05%;
- after 9 months there is 2.10%;
- after 12 months 2.35%;
- after 18 months 2.40%;
- after 24 months 2.45%;
- after 30 months 2.50%;
- after 36 months 2.55%;
- after 42 months 2.65%;
- after 48 months 2.70%;
- after 54 months 2.75%;
- after 60 months 2.90%;
- after 120 months 3.70%.
Here is an example of performance:
Let’s imagine setting aside 10,000 euros in your account. After 120 months you will obtain, as can be seen from the calculator made available by the credit institution, net interest of 2,738.00 euros.
Fixed deposit account Cf
Banca Cf Plus offers a fixed deposit account that offers the following gross annual return:
- after 6 months 2.60%;
- after 12 and 18 months 2.80%;
- after 24 and 36 months 2.90%;
- after 48 and 60 months 3%.
This type of account provides for a minimum investment amount of 10,000 euros and does not offer the possibility of total or partial release.
Here is an example of performance:
let’s suppose we invest 10,000 euros in this savings account. From the calculator made available by Cf Plus bank it can be seen that after 60 months you will receive a total net interest of 1,110.00 euros. Stamp duty will be paid by the customer and calculated from the date of account opening.
Illimity deposit account
Then among the best deposit accounts of November 2025 there is the Illimity bank fixed deposit for Premium customers which offers the following gross annual returns:
- after 6 months by 2.30%;
- after 12 months of 2.60%;
- after 18 months of 2.70%;
- after 24 months of 2.80%;
- after 36 months of 2.85%;
- after 48 months of 2.90%;
- after 60 months by 3%.
For this type of account the minimum depositable amount is 1,000 euros while the maximum amount is 20,000,000.00 euros.
Here is an example of performance:
Let’s imagine investing 10,000 euros in the Illimity Premium deposit account. From the calculator on the bank’s official page it can be seen that after 60 months the total net amount that will be received is 1,109 euros. This simulation is net of withholding tax but not of stamp duty which is due at the time of annual reporting or receipt of interest at the end of the bond.
Time deposit Ibl bank
Finally, we would like to point out the fixed deposit account of Ibl Banca thanks to which the interest can be collected in a single solution or every three months. For activations from 3 November to 31 December 2025, unless the offer is closed early, the following gross interest rates will be obtained:
- after 3 months 1.95% with interest paid upon expiry of the bond;
- after 6 months 2.45% with interest paid on expiry of the bond or quarterly;
- after 12 months 2.60% with interest paid upon expiry of the bond or quarterly;
- after 18 months 2.70% with interest paid upon expiry of the bond or quarterly;
- after 24 months 2.80% with interest paid upon expiry of the bond or quarterly;
- after 36 months 2.85% with quarterly interest payment.
The sums can be tied up both in the branch and online, also via the app.
Here is an example of performance:
Let’s imagine investing 10,000 euros in the Time Deposit of Ibl Banca. From the calculator on the official page of the credit institution it can be seen that at the end of 36 months, the net interest that will be received will be 633 euros.
