X Risparmio deposit account        

You can get an gross annual rate of up to 4,1% and your savings are fully protected by the Interbank Deposit Protection Fund.

For all the details, refer to the information sheet in Transparency.

Open X Risparmio
An entrepreneur cultivates coins.
An entrepreneur cultivates coins.

How does it work?Set money aside and earn more

X Risparmio is a fixed-term deposit account with no costs of opening, management and closing. Plus, you have the highest rate of return among those we offer. For all the details, consult the Information Sheet in Transparency.

Open X Risparmio
  • The yield will be credited at the end of the termChoose the duration that suits you best, from a minimum of 3 to a maximum of 36 months.
  • We will liquidate the initial investment and the accrued interestDirectly on your current account.
  • You can choose not to renew the bindingBy notifying us from your account dashboard starting 32 days before the term's expiration.
  • You can have your money back during the bindingBy notifying us with 32 days notice and foregoing the interest

    Want to get an idea?Calculate the return on your deposit and find out the impact you can generate

    Choose an amount between 1,000 and 100,000 euro.

    Duration

    Why choose it?X Risparmio is a solution that's favourable for you and for the country

    Through your deposit, while you earn, we finance the projects of small to medium-sized Italian enterprises.

    Open X Risparmio

    • No obligation to open a current account.

    • Your savings are 100% protected by the FITD.

    • Do everything online.

    • 2.59% real income in 12 months.

    What do you need?

    Position yourself in a well-lit area and keep the valid documents and the items on this list within reach.

    • 01
      Tax Code

      from your national health card.

    • 02
      ID document

      ID card, passport and driving licence are accepted.

    • 03
      A device with a video camera

      such as a computer, tablet or smartphone.

    • 04
      IBAN

      of the current account you will use to operate the deposit account, that is, for deposits and withdrawals.

    Still not sure?

    • What’s the difference between X Risparmio, X Risparmio Libero and X Risparmio Flexi?

      X Risparmio is a fixed-term deposit account from which you can get the maximum return on the money you deposit, by tying it up for a predetermined period. In case of early withdrawal, accrued interest is not recognized.

      X Risparmio Libero is a deposit account that gives you freedom in its management because you can add or withdraw money whenever you want, respecting the maximum and minimum balance.

      X Risparmio Flexi is a deposit account with a withdrawal notice. It gives you the freedom to add sums whenever you want and withdraw them by giving a 32-day notice.

    • I have taken out a loan with AideXa as the legal representative of a company. Can I still open a deposit account with you?

      Of course! The process to follow is the same, but the deposit account can only be registered under your name as a private individual.

    • I have sent the request: what do I do next to open the deposit account?

      Once all the steps have been completed, your request will be assessed and you will receive an email containing all the information you need to proceed, including the IBAN for the bank transfer.

    Who invests in us?We are a financially robust bank, thanks in part to those who believe in our project

    Looking for more flexibiity?Earn with the utmost freedom with the no-notice deposit account

    Withdraw and add amounts whenever you want, and get an annual gross rate of 2%.

    Discover X Risparmio Libero