{"id":160715,"date":"2026-08-04T09:45:36","date_gmt":"2026-08-04T09:45:36","guid":{"rendered":"https:\/\/www.switcho.it\/blog\/risorse\/luce-gas-2\/"},"modified":"2026-06-11T16:49:19","modified_gmt":"2026-06-11T16:49:19","slug":"conti-deposito-2","status":"publish","type":"page","link":"https:\/\/www.switcho.it\/blog\/risorse\/conti-deposito\/","title":{"rendered":"Come scegliere il miglior conto deposito per te"},"content":{"rendered":"\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-background is-layout-constrained wp-block-group-is-layout-constrained\" style=\"background-color:#f7f8fa\">\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>QUALE ARCO TEMPORALE TI INTERESSA?<\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<a href=\"#6-mesi\" style=\"color:#2D3748;\"><div style=\"border: 1px solid #EDF2F7; border-radius:20px; box-shadow:5px 10px 18px #dddddd; padding:20px;\">\n<p align=\"center\"><b>\n\n6 mesi\n<\/b>\n<\/p><\/div><\/a>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<a href=\"#1-anno\" style=\"color:#2D3748;\"><div style=\"border: 1px solid #EDF2F7; border-radius:20px; box-shadow:5px 10px 18px #dddddd; padding:20px;\">\n<p align=\"center\"><b>\n\n1 anno\n\n<\/b>\n<\/p><\/div><\/a>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<a href=\"#2-anni\" style=\"color:#2D3748;\"><div style=\"border: 1px solid #EDF2F7; border-radius:20px; box-shadow:5px 10px 18px #dddddd; padding:20px;\">\n<p align=\"center\"><b>\n\n2 anni\n<\/b>\n<\/p><\/div><\/a>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<a href=\"#3-anni\" style=\"color:#2D3748;\"><div style=\"border: 1px solid #EDF2F7; border-radius:20px; box-shadow:5px 10px 18px #dddddd; padding:20px;\">\n<p align=\"center\"><b>\n\n3 anni\n<\/b>\n<\/p><\/div><\/a>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<a href=\"#4-anni\" style=\"color:#2D3748;\"><div style=\"border: 1px solid #EDF2F7; border-radius:20px; box-shadow:5px 10px 18px #dddddd; padding:20px;\">\n<p align=\"center\"><b>\n\n4 anni\n<\/b>\n<\/p><\/div><\/a>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<a href=\"#5-anni\" style=\"color:#2D3748;\"><div style=\"border: 1px solid #EDF2F7; border-radius:20px; box-shadow:5px 10px 18px #dddddd; padding:20px;\">\n<p align=\"center\"><b>\n\n5 anni\n<\/b>\n<\/p><\/div><\/a>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-white-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:60px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading alignwide width-align-pagine-carrello\" id=\"6-mesi\" style=\"font-size:28px\"><strong>Conti deposito con vincolo temporale di 6 mesi<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns alignwide width-align-pagine-carrello is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Ipotizziamo che tu non voglia vincolare per troppo tempo i tuoi risparmi perch\u00e9 pensi di poterne aver bisogno: esistono soluzioni con vincoli di soli 6 mesi.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Qui trovi alcuni esempi calcolati su un capitale di \u20ac10.000:<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<style data-wp-block-html=\"css\">\n\n<table id=\"tablepress-20\" class=\"tablepress tablepress-id-20\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Conto<\/th><th class=\"column-2\">Logo<\/th><th class=\"column-3\">Mostrato in articolo<\/th><th class=\"column-4\">Scadenza offerta<\/th><th class=\"column-5\">Scadenza rendimenti deposito libero<\/th><th class=\"column-6\">Capitale<\/th><th class=\"column-7\">Tasso lordo<\/th><th class=\"column-8\">Rend. lordo<\/th><th class=\"column-9\">Tasse (26% rendimento)<\/th><th class=\"column-10\">% Imposta di bollo<\/th><th class=\"column-11\">TOT imposta bollo<\/th><th class=\"column-12\">Rendimento netto<\/th><th class=\"column-13\">Liquidazione interessi<\/th><th class=\"column-14\">Vincolo<\/th><th class=\"column-15\">Tempo deposito libero<\/th><th class=\"column-16\">Note<\/th><th class=\"column-17\">Conto corrente obbligatorio?<\/th><th class=\"column-18\">Costo apertura<\/th><th class=\"column-19\">Costo chiusura<\/th><th class=\"column-20\">Banca<\/th><th class=\"column-21\">Offerta<\/th><th class=\"column-22\">Rend. netto<\/th><th class=\"column-23\">Dettagli<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<\/tbody>\n<\/table>\n<!-- #tablepress-20 from cache -->\n<\/style>\n\n\n<table id=\"tablepress-5\" class=\"tablepress tablepress-id-5\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Offerta<\/th><th class=\"column-2\">Rend. netto<\/th><th class=\"column-3\">Dettagli<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><span style='font-weight:bold; text-align:center; line-height:1.5em;'>Credit Agricole Conto deposito<br><img style='width:100%; box-shadow:none;' src='https:\/\/www.switcho.it\/blog\/wp-content\/uploads\/2023\/07\/credite-agricole.png'><\/span><\/td><td class=\"column-2\"><span style='text-align:center; line-height:1.5em;'><i>Capitale \u20ac 10.000, 6 mesi<\/i><br><br><span style='font-size:1.65em; font-weight:bold; color:#02B4AD;'>\u20ac 110,3<\/span><br><br>Tasso di int. lordo: <b>3,25%<\/b><\/span><br><br><\/td><td class=\"column-3\"><div style='text-align:left;'><span style='font-size:0.9em; line-height:1.5em;'>\u2714\ufe0f Svincolabile<br>\ud83d\udcb8 <b>Imposta di bollo:<\/b> 10<br>\u2714\ufe0f <b>Apertura e chiusura:<\/b> 0\u20ac<br>\u2714\ufe0f <b>Liquidazione interessi:<\/b> posticipata<\/span><\/div><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><span style='font-weight:bold; text-align:center; line-height:1.5em;'>Bunq Conto risparmio non vincolato<br><img style='width:100%; box-shadow:none;' src='https:\/\/www.switcho.it\/blog\/wp-content\/uploads\/2026\/09\/bunq-300-150.png'><\/span><\/td><td class=\"column-2\"><span style='text-align:center; line-height:1.5em;'><i>Capitale \u20ac 10.000, 6 mesi<\/i><br><br><span style='font-size:1.65em; font-weight:bold; color:#02B4AD;'>\u20ac 101,4<\/span><br><br>Tasso di int. lordo: <b>3,01%<\/b><\/span><br><br><\/td><td class=\"column-3\"><div style='text-align:left;'><span style='font-size:0.9em; line-height:1.5em;'>\u2714\ufe0f Libero<br>\ud83d\udcb8 <b>Imposta di bollo:<\/b> 10<br>\u2714\ufe0f <b>Apertura e chiusura:<\/b> 0\u20ac<br>\u2714\ufe0f <b>Liquidazione interessi:<\/b> mensile<\/span><\/div><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><span style='font-weight:bold; text-align:center; line-height:1.5em;'>Illimity Conto deposito non svincolabile<br><img style='width:100%; box-shadow:none;' src='https:\/\/www.switcho.it\/blog\/wp-content\/uploads\/2024\/05\/illimity.png'><\/span><\/td><td class=\"column-2\"><span style='text-align:center; line-height:1.5em;'><i>Capitale \u20ac 10.000, 6 mesi<\/i><br><br><span style='font-size:1.65em; font-weight:bold; color:#02B4AD;'>\u20ac 96,9<\/span><br><br>Tasso di int. lordo: <b>2,89%<\/b><\/span><br><br><\/td><td class=\"column-3\"><div style='text-align:left;'><span style='font-size:0.9em; line-height:1.5em;'>\u26a0\ufe0f Non svincolabile<br>\ud83d\udcb8 <b>Imposta di bollo:<\/b> 10<br>\u2714\ufe0f <b>Apertura e chiusura:<\/b> 0\u20ac<br>\u2714\ufe0f <b>Liquidazione interessi:<\/b> posticipata<\/span><\/div><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-5 from cache -->\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons force-display-flex is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.switcho.it\/conti-carte\/conti-deposito\/inizia\" style=\"background-color:#ff5e7b\">Scoprili tutti<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-white-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading alignwide width-align-pagine-carrello\" id=\"1-anno\" style=\"font-size:28px\"><strong>Conti deposito con vincolo temporale di 1 anno<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns alignwide width-align-pagine-carrello is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Il vincolo di 12 mesi consente di avere un po\u2019 pi\u00f9 di flessibilit\u00e0 coi propri soldi. Ecco qui cosa puoi aspettarti di ottenere se decidi di vincolare \u20ac10.000:<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<style data-wp-block-html=\"css\">\n\n<table id=\"tablepress-20-no-2\" class=\"tablepress tablepress-id-20\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Conto<\/th><th class=\"column-2\">Logo<\/th><th class=\"column-3\">Mostrato in articolo<\/th><th class=\"column-4\">Scadenza offerta<\/th><th class=\"column-5\">Scadenza rendimenti deposito libero<\/th><th class=\"column-6\">Capitale<\/th><th class=\"column-7\">Tasso lordo<\/th><th class=\"column-8\">Rend. lordo<\/th><th class=\"column-9\">Tasse (26% rendimento)<\/th><th class=\"column-10\">% Imposta di bollo<\/th><th class=\"column-11\">TOT imposta bollo<\/th><th class=\"column-12\">Rendimento netto<\/th><th class=\"column-13\">Liquidazione interessi<\/th><th class=\"column-14\">Vincolo<\/th><th class=\"column-15\">Tempo deposito libero<\/th><th class=\"column-16\">Note<\/th><th class=\"column-17\">Conto corrente obbligatorio?<\/th><th class=\"column-18\">Costo apertura<\/th><th class=\"column-19\">Costo chiusura<\/th><th class=\"column-20\">Banca<\/th><th class=\"column-21\">Offerta<\/th><th class=\"column-22\">Rend. netto<\/th><th class=\"column-23\">Dettagli<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<\/tbody>\n<\/table>\n<!-- #tablepress-20-no-2 from cache -->\n<\/style>\n\n\n<table id=\"tablepress-6\" class=\"tablepress tablepress-id-6\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Offerta<\/th><th class=\"column-2\">Rend. netto<\/th><th class=\"column-3\">Dettagli<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><span style='font-weight:bold; text-align:center; line-height:1.5em;'>Illimity Conto deposito non svincolabile<br><img style='width:100%; box-shadow:none;' src='https:\/\/www.switcho.it\/blog\/wp-content\/uploads\/2024\/05\/illimity.png'><\/span><\/td><td class=\"column-2\"><span style='text-align:center; line-height:1.5em;'><i>Capitale \u20ac 10.000, 1 anno<\/i><br><br><span style='font-size:1.65em; font-weight:bold; color:#02B4AD;'>\u20ac 231,6<\/span><br><br>Tasso di int. lordo: <b>3,40%<\/b><\/span><br><br><\/td><td class=\"column-3\"><div style='text-align:left;'><span style='font-size:0.9em; line-height:1.5em;'>\u26a0\ufe0f Non svincolabile<br>\ud83d\udcb8 <b>Imposta di bollo:<\/b> 20<br>\u2714\ufe0f <b>Apertura e chiusura:<\/b> 0\u20ac<br>\u2714\ufe0f <b>Liquidazione interessi:<\/b> posticipata<\/span><\/div><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><span style='font-weight:bold; text-align:center; line-height:1.5em;'>Solution Bank Conto Yes<br><img style='width:100%; box-shadow:none;' src='https:\/\/www.switcho.it\/blog\/wp-content\/uploads\/2025\/02\/conto-yes-logo.png'><\/span><\/td><td class=\"column-2\"><span style='text-align:center; line-height:1.5em;'><i>Capitale \u20ac 10.000, 1 anno<\/i><br><br><span style='font-size:1.65em; font-weight:bold; color:#02B4AD;'>\u20ac 220,5<\/span><br><br>Tasso di int. lordo: <b>3,25%<\/b><\/span><br><br><\/td><td class=\"column-3\"><div style='text-align:left;'><span style='font-size:0.9em; line-height:1.5em;'>\u26a0\ufe0f Non svincolabile<br>\ud83d\udcb8 <b>Imposta di bollo:<\/b> 20<br>\u2714\ufe0f <b>Apertura e chiusura:<\/b> 0\u20ac<br>\u2714\ufe0f <b>Liquidazione interessi:<\/b> posticipata<\/span><\/div><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><span style='font-weight:bold; text-align:center; line-height:1.5em;'>Banca Aidexa Conto deposito X Risparmio Cedola<br><img style='width:100%; box-shadow:none;' src='https:\/\/www.switcho.it\/blog\/wp-content\/uploads\/2025\/01\/aidexa-png.png'><\/span><\/td><td class=\"column-2\"><span style='text-align:center; line-height:1.5em;'><i>Capitale \u20ac 10.000, 1 anno<\/i><br><br><span style='font-size:1.65em; font-weight:bold; color:#02B4AD;'>\u20ac 216,8<\/span><br><br>Tasso di int. lordo: <b>3,20%<\/b><\/span><br><br><\/td><td class=\"column-3\"><div style='text-align:left;'><span style='font-size:0.9em; line-height:1.5em;'>\u26a0\ufe0f Non svincolabile<br>\ud83d\udcb8 <b>Imposta di bollo:<\/b> 20<br>\u2714\ufe0f <b>Apertura e chiusura:<\/b> 0\u20ac<br>\u2714\ufe0f <b>Liquidazione interessi:<\/b> mensile<\/span><\/div><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-6 from cache -->\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons force-display-flex is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.switcho.it\/conti-carte\/conti-deposito\/inizia\" style=\"background-color:#ff5e7b\">Vedi di pi\u00f9<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-white-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading alignwide width-align-pagine-carrello\" id=\"2-anni\" style=\"font-size:28px\"><strong>Conti deposito con vincolo 2 di  anni<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns alignwide width-align-pagine-carrello is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Facendo un esempio su \u20ac10.000, questi sono i rendimenti che puoi aspettarti con vincolo di 24 mesi:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<style data-wp-block-html=\"css\">\n\n<table id=\"tablepress-20-no-3\" class=\"tablepress tablepress-id-20\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Conto<\/th><th class=\"column-2\">Logo<\/th><th class=\"column-3\">Mostrato in articolo<\/th><th class=\"column-4\">Scadenza offerta<\/th><th class=\"column-5\">Scadenza rendimenti deposito libero<\/th><th class=\"column-6\">Capitale<\/th><th class=\"column-7\">Tasso lordo<\/th><th class=\"column-8\">Rend. lordo<\/th><th class=\"column-9\">Tasse (26% rendimento)<\/th><th class=\"column-10\">% Imposta di bollo<\/th><th class=\"column-11\">TOT imposta bollo<\/th><th class=\"column-12\">Rendimento netto<\/th><th class=\"column-13\">Liquidazione interessi<\/th><th class=\"column-14\">Vincolo<\/th><th class=\"column-15\">Tempo deposito libero<\/th><th class=\"column-16\">Note<\/th><th class=\"column-17\">Conto corrente obbligatorio?<\/th><th class=\"column-18\">Costo apertura<\/th><th class=\"column-19\">Costo chiusura<\/th><th class=\"column-20\">Banca<\/th><th class=\"column-21\">Offerta<\/th><th class=\"column-22\">Rend. netto<\/th><th class=\"column-23\">Dettagli<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<\/tbody>\n<\/table>\n<!-- #tablepress-20-no-3 from cache -->\n<\/style>\n\n\n<table id=\"tablepress-7\" class=\"tablepress tablepress-id-7\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Offerta<\/th><th class=\"column-2\">Rend. netto<\/th><th class=\"column-3\">Dettagli<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><span style='font-weight:bold; text-align:center; line-height:1.5em;'>Illimity Conto deposito non svincolabile<br><img style='width:100%; box-shadow:none;' src='https:\/\/www.switcho.it\/blog\/wp-content\/uploads\/2024\/05\/illimity.png'><\/span><\/td><td class=\"column-2\"><span style='text-align:center; line-height:1.5em;'><i>Capitale \u20ac 10.000, 2 anni<\/i><br><br><span style='font-size:1.65em; font-weight:bold; color:#02B4AD;'>\u20ac 500,2<\/span><br><br>Tasso di int. lordo: <b>3,65%<\/b><\/span><br><br><\/td><td class=\"column-3\"><div style='text-align:left;'><span style='font-size:0.9em; line-height:1.5em;'>\u26a0\ufe0f Non svincolabile<br>\ud83d\udcb8 <b>Imposta di bollo:<\/b> 40<br>\u2714\ufe0f <b>Apertura e chiusura:<\/b> 0\u20ac<br>\u2714\ufe0f <b>Liquidazione interessi:<\/b> posticipata<\/span><\/div><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><span style='font-weight:bold; text-align:center; line-height:1.5em;'>Solution Bank Conto Yes<br><img style='width:100%; box-shadow:none;' src='https:\/\/www.switcho.it\/blog\/wp-content\/uploads\/2025\/02\/conto-yes-logo.png'><\/span><\/td><td class=\"column-2\"><span style='text-align:center; line-height:1.5em;'><i>Capitale \u20ac 10.000, 2 anni<\/i><br><br><span style='font-size:1.65em; font-weight:bold; color:#02B4AD;'>\u20ac 441<\/span><br><br>Tasso di int. lordo: <b>3,25%<\/b><\/span><br><br><\/td><td class=\"column-3\"><div style='text-align:left;'><span style='font-size:0.9em; line-height:1.5em;'>\u26a0\ufe0f Non svincolabile<br>\ud83d\udcb8 <b>Imposta di bollo:<\/b> 40<br>\u2714\ufe0f <b>Apertura e chiusura:<\/b> 0\u20ac<br>\u2714\ufe0f <b>Liquidazione interessi:<\/b> posticipata<\/span><\/div><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><span style='font-weight:bold; text-align:center; line-height:1.5em;'>Banca Aidexa Conto deposito X Risparmio Cedola<br><img style='width:100%; box-shadow:none;' src='https:\/\/www.switcho.it\/blog\/wp-content\/uploads\/2025\/01\/aidexa-png.png'><\/span><\/td><td class=\"column-2\"><span style='text-align:center; line-height:1.5em;'><i>Capitale \u20ac 10.000, 2 anni<\/i><br><br><span style='font-size:1.65em; font-weight:bold; color:#02B4AD;'>\u20ac 433,6<\/span><br><br>Tasso di int. lordo: <b>3,20%<\/b><\/span><br><br><\/td><td class=\"column-3\"><div style='text-align:left;'><span style='font-size:0.9em; line-height:1.5em;'>\u26a0\ufe0f Non svincolabile<br>\ud83d\udcb8 <b>Imposta di bollo:<\/b> 40<br>\u2714\ufe0f <b>Apertura e chiusura:<\/b> 0\u20ac<br>\u2714\ufe0f <b>Liquidazione interessi:<\/b> mensile<\/span><\/div><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-7 from cache -->\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons force-display-flex is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.switcho.it\/conti-carte\/conti-deposito\/inizia\" style=\"background-color:#ff5e7b\">Vedi di pi\u00f9<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-white-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading alignwide width-align-pagine-carrello\" id=\"3-anni\" style=\"font-size:28px\"><strong>Conti deposito con vincolo di 3 anni<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns alignwide width-align-pagine-carrello is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Se non credi di dover accedere ai tuoi risparmi a breve puoi optare per un contratto duraturo. Ecco un esempio di quanto potresti guadagnare investendo \u20ac10.000 per 36 mesi:<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<style data-wp-block-html=\"css\">\n\n<table id=\"tablepress-20-no-4\" class=\"tablepress tablepress-id-20\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Conto<\/th><th class=\"column-2\">Logo<\/th><th class=\"column-3\">Mostrato in articolo<\/th><th class=\"column-4\">Scadenza offerta<\/th><th class=\"column-5\">Scadenza rendimenti deposito libero<\/th><th class=\"column-6\">Capitale<\/th><th class=\"column-7\">Tasso lordo<\/th><th class=\"column-8\">Rend. lordo<\/th><th class=\"column-9\">Tasse (26% rendimento)<\/th><th class=\"column-10\">% Imposta di bollo<\/th><th class=\"column-11\">TOT imposta bollo<\/th><th class=\"column-12\">Rendimento netto<\/th><th class=\"column-13\">Liquidazione interessi<\/th><th class=\"column-14\">Vincolo<\/th><th class=\"column-15\">Tempo deposito libero<\/th><th class=\"column-16\">Note<\/th><th class=\"column-17\">Conto corrente obbligatorio?<\/th><th class=\"column-18\">Costo apertura<\/th><th class=\"column-19\">Costo chiusura<\/th><th class=\"column-20\">Banca<\/th><th class=\"column-21\">Offerta<\/th><th class=\"column-22\">Rend. netto<\/th><th class=\"column-23\">Dettagli<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<\/tbody>\n<\/table>\n<!-- #tablepress-20-no-4 from cache -->\n<\/style>\n\n\n<table id=\"tablepress-21\" class=\"tablepress tablepress-id-21\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Offerta<\/th><th class=\"column-2\">Rend. netto<\/th><th class=\"column-3\">Dettagli<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><span style='font-weight:bold; text-align:center; line-height:1.5em;'>Illimity Conto deposito non svincolabile<br><img style='width:100%; box-shadow:none;' src='https:\/\/www.switcho.it\/blog\/wp-content\/uploads\/2024\/05\/illimity.png'><\/span><\/td><td class=\"column-2\"><span style='text-align:center; line-height:1.5em;'><i>Capitale \u20ac 10.000, 3 anni<\/i><br><br><span style='font-size:1.65em; font-weight:bold; color:#02B4AD;'>\u20ac 750,3<\/span><br><br>Tasso di int. lordo: <b>3,65%<\/b><\/span><br><br><\/td><td class=\"column-3\"><div style='text-align:left;'><span style='font-size:0.9em; line-height:1.5em;'>\u26a0\ufe0f Non svincolabile<br>\ud83d\udcb8 <b>Imposta di bollo:<\/b> 60<br>\u2714\ufe0f <b>Apertura e chiusura:<\/b> 0\u20ac<br>\u2714\ufe0f <b>Liquidazione interessi:<\/b> posticipata<\/span><\/div><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><span style='font-weight:bold; text-align:center; line-height:1.5em;'>Solution Bank Conto Yes<br><img style='width:100%; box-shadow:none;' src='https:\/\/www.switcho.it\/blog\/wp-content\/uploads\/2025\/02\/conto-yes-logo.png'><\/span><\/td><td class=\"column-2\"><span style='text-align:center; line-height:1.5em;'><i>Capitale \u20ac 10.000, 3 anni<\/i><br><br><span style='font-size:1.65em; font-weight:bold; color:#02B4AD;'>\u20ac 672,6<\/span><br><br>Tasso di int. lordo: <b>3,30%<\/b><\/span><br><br><\/td><td class=\"column-3\"><div style='text-align:left;'><span style='font-size:0.9em; line-height:1.5em;'>\u26a0\ufe0f Non svincolabile<br>\ud83d\udcb8 <b>Imposta di bollo:<\/b> 60<br>\u2714\ufe0f <b>Apertura e chiusura:<\/b> 0\u20ac<br>\u2714\ufe0f <b>Liquidazione interessi:<\/b> posticipata<\/span><\/div><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><span style='font-weight:bold; text-align:center; line-height:1.5em;'>Achmea Bank Conto deposito vincolato<br><img style='width:100%; box-shadow:none;' src='https:\/\/www.switcho.it\/blog\/wp-content\/uploads\/2026\/09\/achmea-bank-300-150.png'><\/span><\/td><td class=\"column-2\"><span style='text-align:center; line-height:1.5em;'><i>Capitale \u20ac 10.000, 3 anni<\/i><br><br><span style='font-size:1.65em; font-weight:bold; color:#02B4AD;'>\u20ac 646<\/span><br><br>Tasso di int. lordo: <b>3,18%<\/b><\/span><br><br><\/td><td class=\"column-3\"><div style='text-align:left;'><span style='font-size:0.9em; line-height:1.5em;'>\u26a0\ufe0f Non svincolabile<br>\ud83d\udcb8 <b>Imposta di bollo:<\/b> 60<br>\u2714\ufe0f <b>Apertura e chiusura:<\/b> 0\u20ac<br>\u2714\ufe0f <b>Liquidazione interessi:<\/b> annuale<\/span><\/div><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-21 from cache -->\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons force-display-flex is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.switcho.it\/conti-carte\/conti-deposito\/inizia\" style=\"background-color:#ff5e7b\">Scopri altri conti<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-white-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading alignwide width-align-pagine-carrello\" id=\"4-anni\" style=\"font-size:28px\"><strong>Conti deposito con vincolo di 4 anni<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns alignwide width-align-pagine-carrello is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Se non credi di dover accedere ai tuoi risparmi a breve puoi optare per un contratto duraturo. Ecco un esempio di quanto potresti guadagnare investendo \u20ac10.000 per 48 mesi:<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<style data-wp-block-html=\"css\">\n\n<table id=\"tablepress-20-no-5\" class=\"tablepress tablepress-id-20\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Conto<\/th><th class=\"column-2\">Logo<\/th><th class=\"column-3\">Mostrato in articolo<\/th><th class=\"column-4\">Scadenza offerta<\/th><th class=\"column-5\">Scadenza rendimenti deposito libero<\/th><th class=\"column-6\">Capitale<\/th><th class=\"column-7\">Tasso lordo<\/th><th class=\"column-8\">Rend. lordo<\/th><th class=\"column-9\">Tasse (26% rendimento)<\/th><th class=\"column-10\">% Imposta di bollo<\/th><th class=\"column-11\">TOT imposta bollo<\/th><th class=\"column-12\">Rendimento netto<\/th><th class=\"column-13\">Liquidazione interessi<\/th><th class=\"column-14\">Vincolo<\/th><th class=\"column-15\">Tempo deposito libero<\/th><th class=\"column-16\">Note<\/th><th class=\"column-17\">Conto corrente obbligatorio?<\/th><th class=\"column-18\">Costo apertura<\/th><th class=\"column-19\">Costo chiusura<\/th><th class=\"column-20\">Banca<\/th><th class=\"column-21\">Offerta<\/th><th class=\"column-22\">Rend. netto<\/th><th class=\"column-23\">Dettagli<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<\/tbody>\n<\/table>\n<!-- #tablepress-20-no-5 from cache -->\n<\/style>\n\n\n<table id=\"tablepress-20-no-6\" class=\"tablepress tablepress-id-20\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Offerta<\/th><th class=\"column-2\">Rend. netto<\/th><th class=\"column-3\">Dettagli<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><span style='font-weight:bold; text-align:center; line-height:1.5em;'>Illimity Conto deposito non svincolabile<br><img style='width:100%; box-shadow:none;' src='https:\/\/www.switcho.it\/blog\/wp-content\/uploads\/2024\/05\/illimity.png'><\/span><\/td><td class=\"column-2\"><span style='text-align:center; line-height:1.5em;'><i>Capitale \u20ac 10.000, 4 anni<\/i><br><br><span style='font-size:1.65em; font-weight:bold; color:#02B4AD;'>\u20ac 1074,4<\/span><br><br>Tasso di int. lordo: <b>3,90%<\/b><\/span><br><br><\/td><td class=\"column-3\"><div style='text-align:left;'><span style='font-size:0.9em; line-height:1.5em;'>\u26a0\ufe0f Non svincolabile<br>\ud83d\udcb8 <b>Imposta di bollo:<\/b> 80<br>\u2714\ufe0f <b>Apertura e chiusura:<\/b> 0\u20ac<br>\u2714\ufe0f <b>Liquidazione interessi:<\/b> posticipata<\/span><\/div><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><span style='font-weight:bold; text-align:center; line-height:1.5em;'>Solution Bank Conto Yes<br><img style='width:100%; box-shadow:none;' src='https:\/\/www.switcho.it\/blog\/wp-content\/uploads\/2025\/02\/conto-yes-logo.png'><\/span><\/td><td class=\"column-2\"><span style='text-align:center; line-height:1.5em;'><i>Capitale \u20ac 10.000, 4 anni<\/i><br><br><span style='font-size:1.65em; font-weight:bold; color:#02B4AD;'>\u20ac 896,8<\/span><br><br>Tasso di int. lordo: <b>3,30%<\/b><\/span><br><br><\/td><td class=\"column-3\"><div style='text-align:left;'><span style='font-size:0.9em; line-height:1.5em;'>\u26a0\ufe0f Non svincolabile<br>\ud83d\udcb8 <b>Imposta di bollo:<\/b> 80<br>\u2714\ufe0f <b>Apertura e chiusura:<\/b> 0\u20ac<br>\u2714\ufe0f <b>Liquidazione interessi:<\/b> posticipata<\/span><\/div><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><span style='font-weight:bold; text-align:center; line-height:1.5em;'>Illimity Conto deposito svincolabile<br><img style='width:100%; box-shadow:none;' src='https:\/\/www.switcho.it\/blog\/wp-content\/uploads\/2024\/05\/illimity.png'><\/span><\/td><td class=\"column-2\"><span style='text-align:center; line-height:1.5em;'><i>Capitale \u20ac 10.000, 4 anni<\/i><br><br><span style='font-size:1.65em; font-weight:bold; color:#02B4AD;'>\u20ac 896,8<\/span><br><br>Tasso di int. lordo: <b>3,30%<\/b><\/span><br><br><\/td><td class=\"column-3\"><div style='text-align:left;'><span style='font-size:0.9em; line-height:1.5em;'>\u2714\ufe0f Svincolabile<br>\ud83d\udcb8 <b>Imposta di bollo:<\/b> 80<br>\u2714\ufe0f <b>Apertura e chiusura:<\/b> 0\u20ac<br>\u2714\ufe0f <b>Liquidazione interessi:<\/b> posticipata<\/span><\/div><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-20-no-6 from cache -->\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons force-display-flex is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.switcho.it\/conti-carte\/conti-deposito\/inizia\" style=\"background-color:#ff5e7b\">Trova quello pi\u00f9 adatto a te<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-white-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading alignwide width-align-pagine-carrello\" id=\"5-anni\" style=\"font-size:28px\"><strong>Conti deposito con vincolo di 5 anni<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns alignwide width-align-pagine-carrello is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Per un investimento a medio-lungo termine, puoi depositare i tuoi risparmi in un contratto della durata di 5 anni. Vediamo quanto guadagneresti investendo \u20ac10.000:&nbsp;<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n\n<table id=\"tablepress-19\" class=\"tablepress tablepress-id-19\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Offerta<\/th><th class=\"column-2\">Rend. netto<\/th><th class=\"column-3\">Dettagli<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><span style='font-weight:bold; text-align:center; line-height:1.5em;'>Illimity Conto deposito non svincolabile<br><img style='width:100%; box-shadow:none;' src='https:\/\/www.switcho.it\/blog\/wp-content\/uploads\/2024\/05\/illimity.png'><\/span><\/td><td class=\"column-2\"><span style='text-align:center; line-height:1.5em;'><i>Capitale \u20ac 10.000, 5 anni<\/i><br><br><span style='font-size:1.65em; font-weight:bold; color:#02B4AD;'>\u20ac 1343<\/span><br><br>Tasso di int. lordo: <b>3,90%<\/b><\/span><br><br><\/td><td class=\"column-3\"><div style='text-align:left;'><span style='font-size:0.9em; line-height:1.5em;'>\u26a0\ufe0f Non svincolabile<br>\ud83d\udcb8 <b>Imposta di bollo:<\/b> 100<br>\u2714\ufe0f <b>Apertura e chiusura:<\/b> 0\u20ac<br>\u2714\ufe0f <b>Liquidazione interessi:<\/b> posticipata<\/span><\/div><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><span style='font-weight:bold; text-align:center; line-height:1.5em;'>BankB Conto deposito vincolato<br><img style='width:100%; box-shadow:none;' src='https:\/\/www.switcho.it\/blog\/wp-content\/uploads\/2026\/09\/bankb-300-150.png'><\/span><\/td><td class=\"column-2\"><span style='text-align:center; line-height:1.5em;'><i>Capitale \u20ac 10.000, 5 anni<\/i><br><br><span style='font-size:1.65em; font-weight:bold; color:#02B4AD;'>\u20ac 1158<\/span><br><br>Tasso di int. lordo: <b>3,40%<\/b><\/span><br><br><\/td><td class=\"column-3\"><div style='text-align:left;'><span style='font-size:0.9em; line-height:1.5em;'>\u26a0\ufe0f Non svincolabile<br>\ud83d\udcb8 <b>Imposta di bollo:<\/b> 100<br>\u2714\ufe0f <b>Apertura e chiusura:<\/b> 0\u20ac<br>\u2714\ufe0f <b>Liquidazione interessi:<\/b> trimestrale<\/span><\/div><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><span style='font-weight:bold; text-align:center; line-height:1.5em;'>Achmea Bank Conto deposito vincolato<br><img style='width:100%; box-shadow:none;' src='https:\/\/www.switcho.it\/blog\/wp-content\/uploads\/2026\/09\/achmea-bank-300-150.png'><\/span><\/td><td class=\"column-2\"><span style='text-align:center; line-height:1.5em;'><i>Capitale \u20ac 10.000, 5 anni<\/i><br><br><span style='font-size:1.65em; font-weight:bold; color:#02B4AD;'>\u20ac 1150,6<\/span><br><br>Tasso di int. lordo: <b>3,38%<\/b><\/span><br><br><\/td><td class=\"column-3\"><div style='text-align:left;'><span style='font-size:0.9em; line-height:1.5em;'>\u26a0\ufe0f Non svincolabile<br>\ud83d\udcb8 <b>Imposta di bollo:<\/b> 100<br>\u2714\ufe0f <b>Apertura e chiusura:<\/b> 0\u20ac<br>\u2714\ufe0f <b>Liquidazione interessi:<\/b> annuale<\/span><\/div><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-19 from cache -->\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons force-display-flex is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.switcho.it\/conti-carte\/conti-deposito\/inizia\" style=\"background-color:#ff5e7b\">Scopri di pi\u00f9<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-background is-layout-constrained wp-block-group-is-layout-constrained\" style=\"background-color:#f7f8fa\">\n<div class=\"wp-block-columns alignwide width-align-pagine-carrello is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quale conto deposito scegliere?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">PeEsistono tre tipi di conti deposito: libero, svincolabile e vincolato. La domanda che potresti farti \u00e8: \u201cPerch\u00e9 mai dovrei vincolare i miei risparmi per 1, 2 o 3 anni?\u201d<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">La risposta \u00e8 semplice, per ottenere un <strong>maggiore rendimento<\/strong>. A fronte di un investimento pi\u00f9 solido e duraturo, infatti, le banche sono disposte a concedere una maggiore percentuale di interesse.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Naturalmente, queste tre tipologie permettono di calibrare la flessibilit\u00e0 dell&#8217;investimento. Ecco una breve sintesi \u2b07\ufe0f<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pro e contro del prezzo fisso e del prezzo variabile<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<table style=\"table-layout:fixed; width:100%;\">\n<tbody>\n\n\n<!-- INIZIO RIGA INTESTAZIONE -->\n<tr style=\"border: 1px solid #DBE2E9; background-color:#EDF2F7;\">\n<th style=\"padding:10px;\">\n\nConto libero\n\n<\/th>\n\n<th style=\"padding:10px;\">\n\nConto svincolabile\n<\/th>\n<th style=\"padding:10px;\">\n\nConto vincolato\n<\/th>\n<\/tr>\n<!-- FINE RIGA INTESTAZIONE -->\n\n\n<!-- INIZIO RIGA -->\n<tr style=\"border: 1px solid #DBE2E9;\">\n<td style=\"padding:15px 5px; font-size:0.85em; line-height:1.8em; text-align:center;\">\n\nConto in cui puoi versare e prelevare in qualsiasi momento, senza blocchi sulle somme depositate\n\n\n<\/td>\n\n<td style=\"padding:15px 5px; font-size:0.85em; line-height:1.8em; text-align:center;\">\n\nConto con somme vincolate per un periodo prestabilito, ma con possibilit\u00e0 di svincolare anticipatamente\n\n\n<\/td>\n<td style=\"padding:15px 5px; font-size:0.85em; line-height:1.8em; text-align:center;\">\n\nConto in cui le somme restano bloccate fino alla scadenza concordata, senza possibilit\u00e0 di prelievo anticipato\n\n\n\n<\/td>\n<\/tr>\n<!-- FINE RIGA -->\n\n\n<!-- INIZIO RIGA -->\n<tr style=\"border: 1px solid #DBE2E9;\">\n<td style=\"padding:15px 5px; font-size:0.85em; line-height:1.8em; text-align:center;\">\n\n<b>Dettagli scadenza<\/b><br>\n\nNessun vincolo di durata, anche se spesso il tasso promozionale \u00e8 garantito solo per un periodo iniziale\n\n\n<\/td>\n\n<td style=\"padding:15px 5px; font-size:0.85em; line-height:1.8em; text-align:center;\">\n\n<b>Dettagli scadenza<\/b><br>\n\nDurata tipica 6-60 mesi; in caso di svincolo anticipato si perdono gli interessi maturati (totalmente o in parte)\n\n<\/td>\n\n<td style=\"padding:15px 5px; font-size:0.85em; line-height:1.8em; text-align:center;\">\n\n<b>Dettagli scadenza<\/b><br>\n\nDurata tipica 6-60 mesi; gli interessi si incassano solo a scadenza e il capitale non \u00e8 accessibile prima\n\n<\/td>\n<\/tr>\n<!-- FINE RIGA -->\n\n<!-- INIZIO RIGA -->\n<tr style=\"border: 1px solid #DBE2E9;\">\n<td style=\"padding:15px 5px; font-size:0.85em; line-height:1.8em; text-align:center;\">\n\n<b>Consigliato se:<\/b><br>\n\nVuoi far maturare interessi mantenendo sempre la piena disponibilit\u00e0 dei tuoi soldi\n\n<\/td>\n\n<td style=\"padding:15px 5px; font-size:0.85em; line-height:1.8em; text-align:center;\">\n\n<b>Consigliato se:<\/b><br>\n\nCerchi un buon rendimento ma vuoi una via d\u2019uscita in caso di imprevisti, accettando di perdere gli interessi\n\n<\/td>\n\n<td style=\"padding:15px 5px; font-size:0.85em; line-height:1.8em; text-align:center;\">\n\n<b>Consigliato se:<\/b><br>\n\nHai una somma che sicuramente non ti servir\u00e0 per un periodo definito e punti al rendimento massimo\n\n<\/td>\n<\/tr>\n<!-- FINE RIGA -->\n\n\n<\/tbody>\n<\/table>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Cos\u2019\u00e8 un conto deposito?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><em>Il conto deposito \u00e8 un prodotto bancario che serve esclusivamente a depositare denaro per farlo fruttare tramite interessi, senza le funzioni operative del conto corrente.<\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c8 una forma di investimento a basso rischio: il rendimento \u00e8 stabilito dal contratto e non dipende dalle oscillazioni di mercato. Semplice e comodo da gestire, pu\u00f2 essere un buon primo passo per chi ha dei risparmi ma poca dimestichezza con gli investimenti: basta scegliere il conto pi\u00f9 adatto e la somma da depositare, al resto pensa la banca.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f<strong> Il conto deposito non va confuso con il conto corrente<\/strong>: su quest\u2019ultimo \u00e8 possibile compiere operazioni come bonifici, pagamenti con carta, assegni, accredito stipendio e molto altro. Il conto deposito permette solo il trasferimento di denaro in entrata e in uscita.<\/p>\n\n\n\n<div style=\"height:70px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-white-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide width-align-pagine-carrello is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide width-align-pagine-carrello is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Hai gi\u00e0 un conto deposito aperto? Scopri se \u00e8 davvero adatto alle tue esigenze<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons force-display-flex is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-fe48e5de wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.switcho.it\/conti-carte\/conti-deposito\/inizia\" style=\"background-color:#ff5e7b\">Confrontalo ora<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-background is-layout-constrained wp-block-group-is-layout-constrained\" style=\"background-color:#f7f8fa\">\n<div class=\"wp-block-columns alignwide width-align-pagine-carrello is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\"><strong>Interessi e rendimento del conto risparmio<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Il tasso di interesse pu\u00f2 essere di due tipi, gli stessi che si usano, ad esempio, per i mutui \ud83d\udc47<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<table style=\"table-layout:fixed; width:100%;\">\n<tbody>\n\n\n<!-- INIZIO RIGA INTESTAZIONE -->\n<tr style=\"border: 1px solid #DBE2E9; background-color:#EDF2F7;\">\n<th style=\"padding:10px;\">\n\nFisso\n\n<\/th>\n\n<th style=\"padding:10px;\">\n\nVariabile <\/th>\n\n<!-- FINE RIGA INTESTAZIONE -->\n\n\n<!-- INIZIO RIGA -->\n<tr style=\"border: 1px solid #DBE2E9;\">\n<td style=\"padding:15px 5px; font-size:0.85em; line-height:1.8em; text-align:center;\">\n\nIl tasso resta uguale per tutta la durata del contratto\n\n\n\n<\/td>\n\n<td style=\"padding:15px 5px; font-size:0.85em; line-height:1.8em; text-align:center;\">\n\nIl tasso varia in base all\u2019indice scelto dalla banca, ad esempio potrebbe seguire l&#8217;indice FOI che definisce l\u2019inflazione\n\n\n<\/td>\n\n<\/tr>\n<!-- FINE RIGA -->\n\n\n\n\n<\/tbody>\n<\/table>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">La periodicit\u00e0 con cui vengono corrisposti gli interessi dipende dalla politica della banca ed \u00e8 esplicitato sul contratto.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Esistono principalmente due soluzioni di capitalizzazione degli interessi:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list emoji_bullets emoji_right_arrow\">\n<li><strong>Interessi corrisposti periodicamente<\/strong>, ad esempio con cadenza mensile, trimestrale o annuale \u2192 in questo caso possono essere reinvestiti per ottenere un ulteriore rendimento.&nbsp;<\/li>\n\n\n\n<li><strong>Interessi corrisposti in un\u2019unica soluzione<\/strong> al termine del vincolo.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Considera poi che alcune banche riconoscono<strong> interessi anticipati<\/strong> (calcolati, ad esempio, sui 6 mesi successivi), mentre altre li corrispondono solo <strong>al termine del periodo<\/strong> di riferimento.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-background is-layout-constrained wp-block-group-is-layout-constrained\" style=\"background-color:#f7f8fa\">\n<div class=\"wp-block-columns alignwide width-align-pagine-carrello is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Costi dei conti deposito<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Aprire un conto deposito e fare versamenti \u00e8 generalmente gratuito. Esistono per\u00f2 due costi fissati per legge:<\/p>\n\n\n\n<ul class=\"wp-block-list emoji_bullets emoji_right_arrow\">\n<li><strong>Imposta di bollo<\/strong>: pari allo 0,2% annuo, calcolato sul saldo del conto alla data di rendicontazione. Viene trattenuta direttamente dalla banca; alcuni istituti la pagano al posto del cliente come strategia promozionale. Per le persone fisiche non \u00e8 previsto un tetto massimo, mentre per societ\u00e0 e altri soggetti giuridici il bollo non pu\u00f2 superare i 14.000 \u20ac annui.<\/li>\n\n\n\n<li><strong>Tassa sugli interessi<\/strong>: 26% sugli interessi maturati. Esempio pratico: su 10.000 \u20ac depositati al 3%, si generano 300 \u20ac di interessi lordi, che diventano 222 \u20ac al netto delle tasse. Sottraendo anche l&#8217;imposta di bollo (20 \u20ac su 10.000 \u20ac), il rendimento netto effettivo scende a circa 202 \u20ac.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">A questi vanno aggiunte eventuali spese di rendicontazione o comunicazione, generalmente azzerate scegliendo l&#8217;invio via email, e le penali per il prelievo anticipato della somma, se si opta per un contratto vincolato.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 Nel confrontare diverse offerte di conto deposito, ricorda che il dato davvero significativo \u00e8 il rendimento netto, cio\u00e8 quello calcolato al netto di tasse e imposta di bollo, e non il rendimento lordo pubblicizzato.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Apertura conto deposito: come fare e requisiti<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Puoi aprire un conto deposito se sei:<\/p>\n\n\n\n<ul class=\"wp-block-list emoji_bullets emoji_right_arrow\">\n<li>Maggiorenne;<\/li>\n\n\n\n<li>Residente in Italia;<\/li>\n\n\n\n<li>Titolare di un conto corrente in Italia (in alcuni casi, anche presso un\u2019altra banca).<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">La procedura \u00e8 semplice dato che ormai <strong>molte banche permettono di fare tutto online<\/strong>. Sar\u00e0 sufficiente compilare la richiesta sul sito web della banca inserendo i dati necessari. Ti sar\u00e0 poi inviato un contratto da firmare e dovrai presentare un documento di riconoscimento e il codice fiscale. Se il conto deposito \u00e8 cointestato, i dati devono essere forniti per ciascun intestatario.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">A questo punto dovrai confermare l\u2019apertura del conto <strong>effettuando un primo bonifico<\/strong>, anche di modesta entit\u00e0, entro i tempi comunicati dalla banca. Una volta ricevuto correttamente, il conto sar\u00e0 ufficialmente attivo.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:70px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Le domande frequenti sui conti deposito<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-divi-layout\">[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;section&#8221; _builder_version=&#8221;4.19.4&#8243; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;row&#8221; _builder_version=&#8221;4.19.4&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; width=&#8221;100%&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.19.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_accordion open_toggle_background_color=&#8221;#F7F8FA&#8221; closed_toggle_background_color=&#8221;#F7F8FA&#8221; icon_color=&#8221;#2D3748&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#F7F8FA&#8221; custom_padding=&#8221;||||false|false&#8221; hover_enabled=&#8221;0&#8243; border_width_all=&#8221;0px&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_accordion_item title=&#8221;I conti deposito sono sicuri? &#8221; open=&#8221;on&#8221; open_toggle_background_color=&#8221;#F7F8FA&#8221; closed_toggle_background_color=&#8221;#F7F8FA&#8221; icon_color=&#8221;#2D3748&#8243; toggle_icon=&#8221;5||divi||400&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|0px||0px|false|false&#8221; hover_enabled=&#8221;0&#8243; border_width_bottom=&#8221;1px&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<p><span style=\"font-weight: 400;\">Rispetto ad altre forme di investimento, i conti deposito garantiscono un buon livello di sicurezza: gli interessi sono stabiliti dal contratto e le somme sono tutelate dal Fondo Interbancario di Tutela dei Depositi (FITD) fino a 100.000 \u20ac per intestatario in caso di fallimento della banca.<\/span><\/p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Quanti soldi posso investire in un conto deposito?&#8221; open_toggle_background_color=&#8221;#F7F8FA&#8221; closed_toggle_background_color=&#8221;#F7F8FA&#8221; icon_color=&#8221;#2D3748&#8243; toggle_icon=&#8221;5||divi||400&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|0px||0px|false|false&#8221; hover_enabled=&#8221;0&#8243; border_width_bottom=&#8221;1px&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221; sticky_enabled=&#8221;0&#8243;]<p><span style=\"font-weight: 400;\">Non esiste un limite massimo di legge: puoi depositare la cifra che preferisci. Tieni per\u00f2 presente che la tutela del Fondo Interbancario di Tutela dei Depositi (FITD) copre fino a 100.000 \u20ac per intestatario e per banca, quindi per somme superiori conviene diversificare su pi\u00f9 istituti. Alcune banche possono invece richiedere un importo minimo di versamento iniziale, indicato nel contratto.<\/span><\/p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Come scegliere la banca a cui affidarmi?&#8221; open_toggle_background_color=&#8221;#F7F8FA&#8221; closed_toggle_background_color=&#8221;#F7F8FA&#8221; icon_color=&#8221;#2D3748&#8243; toggle_icon=&#8221;5||divi||400&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|0px||0px|false|false&#8221; hover_enabled=&#8221;0&#8243; border_width_bottom=&#8221;1px&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221; sticky_enabled=&#8221;0&#8243;]<p><span style=\"font-weight: 400;\">Prima di farti abbagliare da tassi di interesse molto alti, valuta la solidit\u00e0 dell&#8217;istituto di credito e l&#8217;eventuale gruppo che lo possiede. Puoi anche controllare che la banca aderisca al Fondo Interbancario di Tutela dei Depositi <\/span><a href=\"https:\/\/www.fitd.it\/Chi_Siamo\/Banche_consorziate\" rel=\"nofollow noopener\"><span style=\"font-weight: 400;\">a questo link<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/div>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"http:\/\/schema.org\/\",\n  \"@type\": \"Product\",\n  \"name\": \"Offerte Luce e Gas: confronta le migliori tariffe per te\",\n  \"image\": \"https:\/\/cdn-switchoit.pressidium.com\/blog\/wp-content\/uploads\/2022\/12\/offerte-luce-gas.png\",\n  \"description\": \"Scopri le migliori offerte luce e gas e trova quella pi\u00f9 adatta alle tue utenze con Switcho. 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