Banca Sistema

This bank is based in: Italy (BBB+)

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No withholding tax

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Bank & Country

Interest rate

Deposit type · Term · Currency

Banca Sistema

Italy (BBB+)

2.53 % AER

Term deposit · 1 month · Euro

Banca Sistema

Italy (BBB+)

2.52 % AER

Term deposit · 3 months · Euro

Banca Sistema

Italy (BBB+)

2.92 % AER

Term deposit · 6 months · Euro

Banca Sistema

Italy (BBB+)

3.15 % AER

Term deposit · 1 year · Euro

Banca Sistema

Italy (BBB+)

3.15 % AER

Term deposit · 1.5 years · Euro

Banca Sistema

Italy (BBB+)

3.25 % AER

Term deposit · 2 years · Euro

Banca Sistema

Italy (BBB+)

3.25 % AER

Term deposit · 3 years · Euro

Banca Sistema

Italy (BBB+)

3.25 % AER

Term deposit · 4 years · Euro

Banca Sistema

Italy (BBB+)

3.25 % AER

Term deposit · 5 years · Euro

About the Bank

Banca Sistema is a new, independent bank formed in 2011 and is financed by experienced and successful bank foundations, the company’s management board, and a private British equity fund. The bank is headquartered in Milan and has branches in Rome and London. The bank specializes in financing and managing trade receivables owed to the Italian Public Administration.

More information about this bank

Year Established

2011

Place of Establishment

Milan

Number of employees

222

Business Focus

Retail Banking, Corporate Banking, Bank Deposits, Securities Trading, Factoring

Market(s) in which the bank has branches

Italy, Spain

* This information is provided by FMH-Finanzberatung e.K. FMH-Finanzberatung specialises in information on interest rates and financial products and has been collecting and processing financial data in Germany since 1986.. As of 12.06.2026.

Deposit Guarantee Scheme

Deposits including accrued interest income are legally protected by the Italian Deposit Protection Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized in all member states by Directives 94/19/EC, 2009/14/EC and 2014/49/EU. It should be noted that this protection relates to a customer's entire deposits with a bank. This is relevant if not only the deposits of a customer brokered via this platform were invested with a specific bank, but also other deposits of this customer were invested with the respective bank.

Tax process and documentation

Italian banks do not deduct tax on savings for Irish customers. This means your interest is paid in full (gross). For more details, please see the product information sheet. Important: Irish deposit interest tax (DIRT) is not deducted automatically. Any interest earned must be declared to Revenue in an annual tax return.

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With Raisin, one login gives you access to competitive savings accounts from banks across Europe, allowing your savings to work even harder. No fees, no paperwork: saving with Raisin is online and hassle-free.

Als Pionier für Spar-, Investment- und Altersvorsorgeprodukte ermöglichen wir Privatkunden einen unkomplizierten Zugang zu globalen Einlagen- und Kapitalmärkten – ein Vorteil, der auch Finanzinstitute stärkt.

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All interest rates displayed are Annual Equivalent Rates (AER), unless otherwise explicitly indicated. The AER illustrates what the interest rate would be if interest was paid and compounded once a year. This allows individuals to compare more easily what return they can expect from their savings over time. Raisin Bank, trading as Raisin, is authorised/licensed or registered by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) in Germany and is regulated by the Central Bank of Ireland for conduct of business rules.