+393508052756 Head Office: Palazzo Altieri Piazza del Gesù, 49 00186 Roma Mon–Fri 08:30–17:00
C.D.F
Personal Banking · Est. 1972

Risparmio
& Depositi

Your savings, honoured with the patience and precision they deserve growing quietly, steadily, with us.

Overview Our Products Rate Calculator Features Compare How to Open FAQs
Personal Savings

Your Capital. Our Custodianship.

For Those Who Understand the Value of Patience

Since 1972, Casa Della Finanza has been entrusted with the savings of Italian families across every generation. We understand that capital set aside is not merely a sum it is a discipline, a sacrifice, and a promise made to one's future self. We treat it accordingly.

Our range of savings and deposit accounts is designed with one purpose: to reward your prudence with competitive, transparent returns, while ensuring your money remains as accessible or as protected as you require. From flexible everyday savings to structured fixed-term deposits commanding the finest rates, Casa Della Finanza has a solution matched to your horizon.

Four carefully crafted products. FITD-protected deposits up to €100,000. Rates disclosed without condition. Your savings, growing with the quiet confidence of a 178-year institution.

"Wealth is not built in moments of fortune, but in seasons of patience tended like a garden, honoured like a promise."

Casa Della Finanza · Savings Philosophy, Since 1972
Savings & Deposits · At a Glance
Products Available 4 Account Types
Rates From 1.60% AER
Fixed Term Rates From Up to 4.25% AER
Minimum Deposit € 0 (Libretto)
Deposit Protection FITD · €100,000
Terms Available Instant to 5 Years
Interest Paid Monthly or At Maturity
4.25%
Best Fixed Rate AER
€100k
FITD Deposit Protection
178
Years of Custodianship
€0
Minimum to Open
5
Year Maximum Term
Our Range

Four Ways to Grow Your Savings

LIBRETTO DI RISPARMIO € Libretto
Tier One · Everyday Savings

Libretto di Risparmio

For those who wish to save with freedom and simplicity

The Libretto di Risparmio is our most accessible savings account the traditional Italian passbook, reimagined for the modern era. There is no minimum balance, no fixed term, and no penalty for withdrawals. Your money earns from the very first euro, and remains yours to access whenever life requires it.

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    1.60% AER · paid monthly, no minimum balance
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    Instant access — withdraw in-branch, online, or via the app
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    No account fees, no minimum deposit to open
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    Linked to your Casa Della Finanza current account
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    Auto-save rules — set and forget recurring transfers
  • ✦
    FITD deposit protection up to €100,000
1.60% AER · instant access · no minimum
Open an Account → Compare Products
2.80% AER Vincolato
Tier Two · Notice Savings

Conto Vincolato

For the disciplined saver who rewards patience with higher returns

The Conto Vincolato is our notice savings account a product for those who do not need daily access to their funds but wish to retain the flexibility of a short notice period. By committing to a 30, 60, or 90-day notice before withdrawal, clients receive a meaningfully higher interest rate than an instant-access account allows. A sensible middle ground between liquidity and growth.

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    Up to 2.80% AER · tiered by notice period chosen
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    30, 60, or 90-day notice options choose what suits your life
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    No maximum balance · minimum opening deposit €500
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    Interest credited monthly to your linked current account
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    Partial withdrawals permitted with notice given
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    FITD deposit protection up to €100,000
Up to 2.80% AER · 30–90 day notice · from €500
Open an Account → Compare Products
Y1 Y2 Y3 Y4 Y5 4.25% AER · 5 YR Termine
Tier Three · Fixed-Term Deposit

Deposito a Termine

For those who know the horizon and commit to it

The Deposito a Termine is our flagship fixed-term deposit a product of precise intention, engineered for clients with a defined savings horizon. By committing capital for a fixed term of 6 months to 5 years, clients receive Casa Della Finanza's most competitive interest rates, guaranteed for the duration. When the term concludes, your principal and interest are returned in full a contract honoured to the letter.

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    Up to 4.25% AER on 5-year terms · guaranteed for full duration
  • ✦
    Terms from 6 months to 5 years · choose what matches your goals
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    Minimum deposit €5,000 · no maximum
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    Interest paid monthly or at maturity your choice
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    Early redemption available with applicable notice and reduced rate
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    Auto-renewal option at prevailing rate on maturity
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    FITD deposit protection up to €100,000
Up to 4.25% AER · 6 months–5 years · from €5,000
Open an Account → Compare Products
★ ★ ★ ★ ★ BESPOKE RATES Privato
Tier Four · Private Deposit

Deposito Privato

For those for whom standard terms are merely a starting point

The Deposito Privato is our most distinguished savings arrangement a bespoke deposit facility reserved for clients placing significant capital with Casa Della Finanza. Your Private Banker will structure terms around your individual financial objectives: the term, the rate, the interest payment schedule, and any bespoke protections required. Not a product, but an agreement between equals.

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    Negotiated rate above our published schedule · from €250,000
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    Bespoke terms from 3 months to 10 years
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    Dedicated Private Banker to structure and manage the arrangement
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    Interest frequency to your preference monthly, quarterly, annually
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    Priority early redemption terms negotiated in advance
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    Complementary wealth planning consultation included
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    FITD protection up to €100,000 · arrangement advice on excess
Bespoke Rate · negotiated · from €250,000
Speak with a Banker → Compare Products
"

A deposit is a covenant the client trusts us with their discipline, their sacrifice, their foresight. We have never taken such trust lightly, and in 178 years, we have never broken it.

Casa Della Finanza · Savings & Deposits, Since 1972
Estimate Your Returns

Savings Rate Calculator

€500€500,000
1 month60 months
Projected Returns at Maturity
€ 12,321
Interest earned: € 2,321
Principal € 10,000
Gross Interest € 2,321
Rate (AER) 4.25%
Term 5 Years

Illustrative only · before applicable taxes · rates subject to confirmation

Across All Products

Included As Standard

FITD Deposit Protection

Up to €100,000 per depositor

All deposits held with Casa Della Finanza are protected up to €100,000 per eligible depositor by the Fondo Interbancario di Tutela dei Depositi Italy's statutory deposit guarantee scheme, mandated by EU law.

Online & Mobile Management

Full control, any device, any time

Open, manage, and monitor your savings from our award-winning app or web platform. View interest accruals in real time, set auto-save rules, and receive notifications at every milestone all at no additional cost.

Transparent Interest Rates

No conditions, no small print

The rate you see is the rate you receive. Casa Della Finanza publishes all savings rates without introductory bonuses or qualifying conditions. Interest is calculated daily on your full balance, compounded in accordance with your chosen product.

Flexible Interest Payments

Monthly, annually, or at maturity

Choose how and when you receive your interest. Monthly payments offer a regular income stream; annual or at-maturity options maximise compound growth. Your preference is set at account opening and can be amended on renewal.

Dedicated Relationship Banker

For Deposito a Termine & Privato clients

Clients opening a Deposito a Termine or Deposito Privato are assigned a named relationship banker who will guide account selection, manage renewals, and be available by direct line for any enquiry throughout the term.

25 Branches Across Italy

From the Alps to Sicily

Open or manage your savings account at any of our 430 branches, staffed by specialists who have served their communities for generations. No appointment necessary for the Libretto or Conto Vincolato; preferred appointment booking for fixed-term products.

§

No Hidden Charges. No Introductory Gimmicks. Never.

The rate we publish is the rate we pay. Casa Della Finanza does not offer teaser rates that revert to something lesser after ninety days, nor do we bury conditions in footnotes. Every term, every rate, every condition pertaining to your savings is communicated in full before you open — and honoured without exception for the life of your account.

Side by Side

Compare Our Savings Products

Feature Libretto Conto Vincolato Deposito a Termine ★ Deposito Privato
Interest Rate (AER) 1.60% Up to 2.80% Up to 4.25% Negotiated
Minimum Deposit € 0 € 500 € 5,000 € 250,000
Access to Funds Instant 30 / 60 / 90 days At maturity Negotiated
Term None Ongoing 6m – 5 years 3m – 10 years
Interest Paid Monthly Monthly Monthly or maturity Your choice
Dedicated Banker — — ★ ★
FITD Protection ★ ★ ★ ★
Auto-Renewal Option ★ ★ ★ ★
Wealth Planning Consultation — — — ★
Partial Withdrawals ★ ★ With notice With penalty reduction Negotiated

Most opened product. All rates and terms correct as at January 2025 and subject to change. FITD protection applies per eligible depositor per institution.

Getting Started

Open Your Account in Four Steps

✦
01
Choose Your Product
Use our comparison table or rate calculator to identify the savings product aligned with your goals. Not certain? Your nearest banker is ready to advise.
02
Verify Your Identity
Complete identity verification in minutes via our app upload your identity document and a selfie or visit any of our 430 branches in person at your convenience.
03
Sign & Fund
Sign your account agreement using our qualified electronic signature fully legally binding under eIDAS then transfer your opening deposit from any EU bank account.
04
Watch It Grow
Your account is active within one business day. Track accruing interest, download statements, and manage terms at any time through the Casa Della Finanza app or web portal.
Open Online Now → Find a Branch
Frequently Asked Questions

Questions About Savings & Deposits

Are my savings safe with Casa Della Finanza? ▾
All deposits held with Casa Della Finanza are protected up to €100,000 per eligible depositor by the Fondo Interbancario di Tutela dei Depositi (FITD), Italy's statutory deposit guarantee scheme mandated by EU Directive 2014/49/EU. This protection applies to the aggregate of all deposits held by the same depositor across all products with Casa Della Finanza. For amounts in excess of €100,000, we recommend speaking with your Private Banker about appropriate structuring options.
Can I open a savings account if I am not an Italian resident? ▾
Yes. EU citizens may open a Libretto di Risparmio or Conto Vincolato regardless of their country of residence, subject to standard identity verification. Non-EU residents are eligible for our Deposito a Termine and Deposito Privato products; additional documentation may be required. Please contact your nearest branch or speak with a banker for guidance specific to your situation.
What happens if I need to access my fixed-term deposit early? ▾
For the Deposito a Termine, early redemption is available at any time with 30 days' written notice. In the event of early redemption, interest accrued is recalculated at the Libretto di Risparmio rate applicable for the actual period held, rather than the fixed-term rate agreed. The principal is returned in full. Deposito Privato clients will have bespoke early redemption terms agreed at the outset of their arrangement.
How is interest calculated and when is it paid? ▾
Interest is calculated daily on the full cleared balance in your savings account, using the Annual Equivalent Rate (AER) published for your product. For the Libretto di Risparmio and Conto Vincolato, interest is credited monthly directly to your linked current account. For the Deposito a Termine, you may choose monthly or at-maturity payment at the time of opening. Italian withholding tax (imposta sostitutiva) of 26% is applied to interest payments in accordance with current Italian fiscal regulations.
Can I operate multiple savings products simultaneously? ▾
Yes. Many of our clients maintain a Libretto di Risparmio for day-to-day flexibility alongside one or more Deposito a Termine accounts for different horizons — a strategy sometimes called a deposit ladder. You may hold any combination of our savings products simultaneously. Your dedicated banker or the Casa Della Finanza app will provide a consolidated view of all your savings holdings and projected interest payments.
What is the Deposito Privato minimum, and how do bespoke rates work? ▾
The Deposito Privato requires a minimum placement of €250,000. Upon enquiry, your Private Banker will conduct an initial consultation to understand your objectives, risk profile, and liquidity requirements. A bespoke term sheet will be prepared, setting out your negotiated rate, term, interest payment schedule, and any additional conditions. Rates are confirmed in writing before any transfer of funds. The entire process, from consultation to account activation, typically takes two to five business days.
Begin Today

Open Your Savings Account. Start Growing with 178 Years of Trust.

Whether you are setting aside your first savings or placing significant capital, Casa Della Finanza has a product crafted for your purpose and a banker ready to guide you.

Open Online → Book a Branch Appointment