{
  "banks": [
    {
      "checked_at": "2026-10-18T05:37:59.571528800Z",
      "id": "it/bancaifis",
      "offers": [
        {
          "bank": "it/bancaifis",
          "conditions": [
            "Gross annual rate, interest paid quarterly (Posticipato)",
            "Minimum EUR 1,000"
          ],
          "currency": "EUR",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Rendimax Conto Deposito Vincolato Posticipato",
          "rate": 3.25,
          "segment": "personal",
          "source_url": "https://www.bancaifis.it/privati/conto-deposito/",
          "tenure_months": 18
        },
        {
          "bank": "it/bancaifis",
          "conditions": [
            "Gross annual rate, interest paid quarterly (Posticipato)",
            "Minimum EUR 1,000"
          ],
          "currency": "EUR",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Rendimax Conto Deposito Vincolato Posticipato",
          "rate": 3.0,
          "segment": "personal",
          "source_url": "https://www.bancaifis.it/privati/conto-deposito/",
          "tenure_months": 9
        },
        {
          "bank": "it/bancaifis",
          "conditions": [
            "Gross annual rate, interest paid quarterly (Posticipato)",
            "Minimum EUR 1,000"
          ],
          "currency": "EUR",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Rendimax Conto Deposito Vincolato Posticipato",
          "rate": 2.75,
          "segment": "personal",
          "source_url": "https://www.bancaifis.it/privati/conto-deposito/",
          "tenure_months": 6
        },
        {
          "bank": "it/bancaifis",
          "conditions": [
            "Gross annual rate, interest paid quarterly (Posticipato)",
            "Minimum EUR 1,000"
          ],
          "currency": "EUR",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Rendimax Conto Deposito Vincolato Posticipato",
          "rate": 4.0,
          "segment": "personal",
          "source_url": "https://www.bancaifis.it/privati/conto-deposito/",
          "tenure_months": 12
        },
        {
          "bank": "it/bancaifis",
          "conditions": [
            "Gross annual rate, interest paid quarterly (Posticipato)",
            "Minimum EUR 1,000"
          ],
          "currency": "EUR",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Rendimax Conto Deposito Vincolato Posticipato",
          "rate": 3.5,
          "segment": "personal",
          "source_url": "https://www.bancaifis.it/privati/conto-deposito/",
          "tenure_months": 24
        },
        {
          "bank": "it/bancaifis",
          "conditions": [
            "Gross annual rate, interest paid quarterly (Posticipato)",
            "Minimum EUR 1,000"
          ],
          "currency": "EUR",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Rendimax Conto Deposito Vincolato Posticipato",
          "rate": 3.5,
          "segment": "personal",
          "source_url": "https://www.bancaifis.it/privati/conto-deposito/",
          "tenure_months": 36
        },
        {
          "bank": "it/bancaifis",
          "conditions": [
            "Gross annual rate, interest paid quarterly (Posticipato)",
            "Minimum EUR 1,000"
          ],
          "currency": "EUR",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Rendimax Conto Deposito Vincolato Posticipato",
          "rate": 3.75,
          "segment": "personal",
          "source_url": "https://www.bancaifis.it/privati/conto-deposito/",
          "tenure_months": 48
        },
        {
          "bank": "it/bancaifis",
          "conditions": [
            "Gross annual rate, interest paid quarterly (Posticipato)",
            "Minimum EUR 1,000"
          ],
          "currency": "EUR",
          "kind": "board",
          "min_deposit": 1000,
          "product": "Rendimax Conto Deposito Vincolato Posticipato",
          "rate": 3.75,
          "segment": "personal",
          "source_url": "https://www.bancaifis.it/privati/conto-deposito/",
          "tenure_months": 60
        }
      ],
      "status": "ok",
      "verified_at": "2026-10-18T05:37:59.571528800Z"
    }
  ],
  "benchmarks": [
    {
      "country": "it",
      "date": "2026-10-18",
      "label": "ECB deposit facility rate",
      "page": "https://www.ecb.europa.eu/stats/policy_and_exchange_rates/key_ecb_interest_rates/html/index.en.html",
      "status": "ok",
      "value": 2.5,
      "verified_at": "2026-10-18T06:32:30.831686306Z"
    }
  ],
  "country": "it",
  "currency": "EUR",
  "deposit_insurance": {
    "checked": "2026-10-18",
    "limit": 100000,
    "scheme": "Fondo Interbancario di Tutela dei Depositi (FITD); cooperative credit banks: Fondo di Garanzia dei Depositanti del Credito Cooperativo (FGDCC)",
    "source": "https://economiapertutti.bancaditalia.it/aree-tematiche/conto-corrente/il-fondo-interbancario-di-tutela-dei-depositi/index.html",
    "summary": "Coverage is limited to EUR 100,000 per depositor and per individual bank. Deposits at banche di credito cooperativo are covered by the FGDCC; savings held with Poste are not covered by the Fund but carry a State guarantee (per Banca d'Italia). Note: www.fitd.it served an expired TLS certificate on 2026-10-18, so the fact is sourced from Banca d'Italia."
  },
  "generated_at": "2026-10-18T05:37:59.571528800Z",
  "name": "Italy",
  "terms": "Free to use with attribution: link to https://getdeposited.com. Rates are as published by each bank at the time shown; verify with the bank."
}