Business · Markets · 17 hrs ago
A €15,000 deposit account could earn 2.5% to 4% a year, before tax
The analysis considers what could happen to €15,000 held in a bank account in Italy for six, 12 or 18 months.
It estimates that an ordinary current account pays about 0.15% a year, while many deposit accounts offer gross annual rates of 2.5% to 4%.
At the example current-account rate, interest on €15,000 would be €11.25, €22.50 or €33.75 over those periods, before tax.
Account charges, tax and stamp duty can outweigh that interest, and inflation reduces what the money can buy.
The analysis estimates the loss of purchasing power at about €200 over six months, €400 over 12 months and €560 over 18 months.
It uses a deposit account paying 3.25% a year as a midpoint example, but the supplied text does not give the resulting returns for each term.
The comparison shows why cash beyond day-to-day needs may lose value when left earning little or no interest.
A €15,000 deposit account could earn between 2.5% and 4% a year before tax, according to Money.it.
The article says the range applies to most of the free-access and fixed-term deposit accounts it reviewed.
It uses a median annual gross rate of 3.25% as an example.
Money.it contrasts these returns with an estimated 0.15% annual rate on typical bank and postal current accounts.
It says inflation can erode the purchasing power of money left in a current account.
- Who
- People considering where to place €15,000 in savings.
- What
- Money.it compares current accounts with deposit accounts and says most deposit accounts offer gross annual rates of 2.5% to 4%.
- When
- The article was published on 11 October 2026.
- Where
- The article discusses deposit and current accounts in Italy.
- Why
- It examines how interest, taxes, fees and inflation affect savings.
This story does not have two clearly opposing sides.
No direct quotes in the coverage so far.
This story does not have a timeline yet.
- Example deposit
- €15,000
- Deposit account rates
- 2.5% to 4% gross per year
- Median rate used
- 3.25% gross per year
- Typical current-account rate estimated
- 0.15% per year
- Inflation estimates
- 2.7% at six months, 2.6% at 12 months and 2.5% at 18 months
Sources
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