The Conto Deposito Young information sheet we can reach (no. 3, in force from 19 June 2026) shows rates the bank has already superseded: its own product page publishes higher figures, aligned with the standard account's information sheet no. 25 in force from 15 July. The updated document for the Young line does not appear to be published. Publishing the old document's rates would have had us write that the under-35 account pays less than the standard one: it does not — today they pay the same.
For this reason this service does not appear in our rankings, comparator or comparison pages: it will once its terms can be verified against a dated official document.
Banca CF+ — Conto Deposito Young (under 35)
Banca CF+ S.p.A.
Conto Deposito Young is Banca CF+'s deposit account reserved for customers aged 18 to 35 at signing, with the same three lines as the standard product: locked, releasable on notice and flexible. One thing is worth knowing before choosing it for the age bracket: at the time of our check the rates published for the Young line matched those of the ordinary account exactly, so the advantage claimed for under-35s did not translate into a higher return. We keep it out of the rankings because its information sheet is not up to date.
Data & conditions
| Deposit guarantee | EU guarantee €100,000 |
|---|---|
| Supported countries | EEA · 1+ countries |
| Regulator | Banca d'Italia |
| Segment | B2C |
| Funding / solidity | Parent of the Banca CF+ group, specialised in business lending and non-performing loans |
| MiCA / License status | Licenza bancaria (ABI 10312) Italian banking licence (Bank of Italy) |
Strengths
- The same three lines as the standard account — locked, releasable on notice, flexible — with an identical entry threshold and structure.
- Every fee line is zero: opening, closing, account fee, inbound and outbound transfers.
- No notable sovereignty advantage documented.
Weaknesses
- At the time of our check the under-35 advantage did not exist in rate terms: the published figures matched the ordinary account, which anyone can open.
- The Young line's information sheet is out of date: it shows terms superseded by the bank's own product page.
- The age requirement must be met by all joint holders, not only the primary one.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Italian banking licence (Bank of Italy)): reporting to authorities and freezes on order.
Verdict
Score 3.0/5, average profile. In its favour: the same three lines as the standard account — locked, releasable on notice, flexible — with an identical entry threshold and structure. The trade-off to weigh: at the time of our check the under-35 advantage did not exist in rate terms: the published figures matched the ordinary account, which anyone can open.
On the Sovereignty lens the score is 0.4/5 (weak): the strength is censorship resistance (1.5/5), while fund control (0.0/5) is the weak link.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is the Young version worth opening if I am under 35?
At the time of our check there was no rate advantage: the figures published for the Young line matched Banca CF+'s ordinary deposit account, which has no age limit. It is worth comparing both when opening, rather than assuming the «for young people» product is the better deal.
Why do you not publish the rates?
Because the only reachable information sheet for this line is superseded: it shows lower figures than the bank itself now publishes on the product page. Publishing the former would have had us state something false; publishing the latter would mean taking a figure from a commercial page rather than from a dated official document.
Sources
- Official service page Data verified on Jul 27, 2026