Najboljši Varčevalni računi v Italija
Naložba v Varčevalni računi je ključna strategija za prebivalce v Italija, ki želijo svoje prihranke zaščititi pred inflacijo.
Ker je inflacija v Italija 3.3-odstotna, davčna stopnja pa 26.0-odstotna, je iskanje izdelkov s pozitivnim realnim donosom nujno.
Zgodovinski razvoj
Primerjajte povprečni donos Varčevalni računi z inflacijo
Primerjajte donose Varčevalni računi v Italija
| Vrsta | Ustanova | Bruto donos | Po obdavčitvi | Realni donos | Stanje | Podrobnosti |
|---|---|---|---|---|---|---|
| Varčevalni računi | ING Italia Conto Deposito (12M Promo) IT | 4.00% | 2.96% | -0.34% | Izgubi | 4.00% promo until April 18 2026, 12 months, up to €100k |
| Varčevalni računi | FCA Bank Conto Deposito Libero IT | 3.50% | 2.59% | -0.71% | Izgubi | Instant access, €5k minimum, 3.50% gross (2.59% net after 26% tax), April 2026 |
| Varčevalni računi | Illimity Conto Deposito (60M) IT | 3.15% | 2.33% | -0.97% | Izgubi | 60-month term, highest long-term rate, FITD protected, April 2026 |
| Varčevalni računi | Rendimax Conto Deposito (60M) IT | 3.00% | 2.22% | -1.08% | Izgubi | 60-month term, Banca Ifis group, Italian guarantee fund, April 2026 |
| Varčevalni računi | Illimity Conto Deposito (24M) IT | 2.85% | 2.11% | -1.19% | Izgubi | 24-month term, €5k-€100k, Italian neobank, FITD protected, April 2026 |
| Varčevalni računi | Scalable Capital (PRIME+) IT | 2.50% | 1.85% | -1.45% | Izgubi | Requires PRIME+ broker plan (€4.99/mo), unlimited deposit, April 2026: 2.50% |
| Varčevalni računi | Bunq Easy Savings (Weekly) IT | 2.26% | 1.67% | -1.63% | Izgubi | Weekly compound, higher balances get 2.26%, base 1.51% |
| Varčevalni računi | Trading 212 Flexible Savings IT | 2.20% | 1.63% | -1.67% | Izgubi | UK fintech, investor protection ~€20k, instant access |
| Varčevalni računi | Trade Republic Cash Account IT | 2.00% | 1.48% | -1.82% | Izgubi | Instant access, tracks ECB rate, up to €50k |
| Varčevalni računi | N26 Savings Account IT | 2.00% | 1.48% | -1.82% | Izgubi | Metal plan only (€16.90/mo), instant access |
| Varčevalni računi | N26 Metal Savings IT | 2.00% | 1.48% | -1.82% | Izgubi | Requires Metal plan (€16.90/mo), instant access, ECB-linked |
| Varčevalni računi | Lightyear Cash Account IT | 1.91% | 1.41% | -1.89% | Izgubi | Estonian broker, monthly interest, no limit |
| Varčevalni računi | Revolut Savings Vault EU | 1.85% | 1.37% | -1.93% | Izgubi | Premium/Metal plans, instant access, up to €100k |
| Varčevalni računi | Bunq EasyBank Savings IT | 1.56% | 1.15% | -2.15% | Izgubi | Instant access, Dutch deposit guarantee, monthly interest |
| Varčevalni računi | Fineco Conto Più IT | 1.45% | 1.07% | -2.23% | Izgubi | Italian broker/bank, instant access, quarterly interest |