Banca Ifis — Rendimax Conto Deposito vs Banca CF+ — Conto Deposito Vincolato
Neither wins across the board: weigh the points above against your use case before choosing between Banca Ifis — Rendimax Conto Deposito and Banca CF+ — Conto Deposito Vincolato.
| Banca Ifis — Rendimax Conto Deposito | Banca CF+ — Conto Deposito Vincolato | |
|---|---|---|
| Tier | B | B |
| Rating | ★ 3.9 | ★ 3.7 |
| Max gross rate | 3.5% | 3.3% |
| Max net rate | 2.39% — tax and stamp duty take 32% | 2.242% — tax and stamp duty take 32% |
| Account type | Fixed term | Fixed term |
| Available terms | 6m · 9m · 12m · 18m · 24m · 36m · 48m · 60m — up to 3.5% gross | 6m · 12m · 18m · 24m · 36m · 48m · 60m — up to 3.3% gross |
| Early withdrawal | No | No |
| What early withdrawal costs | No early withdrawal at all: the information sheet rules out access to the funds — «not even partial» — before maturity, and forbids closing the deposit or changing its term. | On the standard fixed line it is not possible to «change the duration of an agreed term, nor request early return of the funds». Banca CF+ separately offers a releasable line, where exit requires notice and entails total or partial loss of accrued interest. |
| Accrued interest forfeited | No | — |
| Interest compounding | Quarterly | Quarterly |
| Interest paid upfront | No | No |
| Stamp duty | Paid by you — 0.2% of the balance per year | Paid by you — 0.2% of the balance per year |
| When stamp duty is charged | Charged at each statement period | Charged once a year |
| Deposit amount | €1,000 – €3,000,000 | €5,000 – — |
| Deposit guarantee | EU guarantee €100,000 | EU guarantee €100,000 |
| Automatic rollover | No | — |
| Requires a linked current account | No | No |
| Joint account | Yes | — |
| Supported countries | EEA · 1+ countries | EEA · 1+ countries |
| Regulator | Banca d'Italia | Banca d'Italia |
| Segment | B2C | B2C |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Licenza bancaria (Albo Banche n. 5508 · ABI 03205) | Licenza bancaria (ABI 10312) |
Frequently asked questions
Banca Ifis — Rendimax Conto Deposito vs Banca CF+ — Conto Deposito Vincolato: which is better?
Neither wins across the board: weigh the points above against your use case before choosing between Banca Ifis — Rendimax Conto Deposito and Banca CF+ — Conto Deposito Vincolato.
Is Banca Ifis — Rendimax Conto Deposito custodial or self-custody?
Banca Ifis — Rendimax Conto Deposito is custodial: funds are held by the platform, while Banca CF+ — Conto Deposito Vincolato is custodial.