Deposit accounts where the bank pays the stamp duty 2026
Ranking updated November 2026 · 3 verified services
Ranked by real net return, after withholding tax and stamp duty
Stamp duty on deposit accounts is 0.2% of the balance per year and is due by law: the difference is who pays it. On these accounts the bank absorbs it, and that is 0.2 points of return that stay with you every year, at any amount deposited. It is the single factor that most often flips a comparison between two deposits: 3.50% with the duty on you returns 2.39% net; the same 3.50% with the bank paying returns 2.59%.
The top pick is Tyche Bank — ContoTe (2.92% net, from 3.95% gross). Extrabanca — Extraclick and Banca Sistema — SI conto! DEPOSITO follow. Verified data, with a source for every entry.
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1
Tyche Bank — ContoTeB Italian Savings & Deposit Accounts
Stamp duty is paid by the Bank: 3.95% gross at 60 months is worth 2.923% net, against the 2.723% the same gross rate would give with the duty charged to the customer.
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2
Extrabanca — ExtraclickC Italian Savings & Deposit Accounts
Stamp duty on locked funds is paid by the bank: 0.2 points of extra net return every year, at any amount locked.
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3
Banca Sistema — SI conto! DEPOSITOA Italian Savings & Deposit Accounts
Stamp duty is paid by the Bank: 0.2 points a year that stay with the customer, and the reason 3.00% here beats a rival's 3.20% that charges the duty.
Frequently asked questions
Can the bank really pay the stamp duty for me?
Yes. The tax is still owed to the State, but the contract can place it on the bank rather than the customer. On the information sheet it appears as a single line — “Stamp duty: paid by the Bank” — and is worth a full 0.2 points of extra return. It is a contractual term: it can change, so it should be re-read on the information sheet in force when the deposit is opened.