The Conto Key information sheet we can reach is identified only as «Edition 04/2026», with no day: we cannot date the source, and an undated rate is not verifiable. Its non-releasable line rates (2.50%-2.90%) also disagree with what the product appears to offer (up to 3.50%), while the releasable ones match exactly — a sign the document predates the version in force. The product page blocks our automated reads.
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 Progetto — Conto Key (deposito vincolato)
Banca Progetto S.p.A.
Conto Key is Banca Progetto's online account, which alongside instant-access liquidity allows locked and releasable deposit lines over terms from 6 to 60 months. The product exists and can be opened online, but we have kept it out of our rankings: the only information sheet we can read carries no full date and shows rates that do not match those in force. We would rather say so than publish a figure we cannot attribute to a dated document.
Data & conditions
| Deposit guarantee | EU guarantee €100,000 |
|---|---|
| Supported countries | EEA · 1+ countries |
| Regulator | Banca d'Italia |
| Segment | B2C |
| Funding / solidity | Milan-based digital bank specialised in SME lending and salary-backed loans |
| MiCA / License status | Licenza bancaria (Banca d'Italia) Italian banking licence (Bank of Italy) |
Strengths
- The account opens entirely online and offers both locked and releasable lines, keeping the choice between yield and access open.
- Deposits covered by the Italian deposit guarantee scheme up to €100,000, as at any Italian bank.
- No notable sovereignty advantage documented.
Weaknesses
- The reachable information sheet is not dated to the day and shows superseded terms: anyone wanting today's rate has to ask the bank.
- On non-releasable lines early return of the funds cannot be requested.
- 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 account opens entirely online and offers both locked and releasable lines, keeping the choice between yield and access open. The trade-off to weigh: the reachable information sheet is not dated to the day and shows superseded terms: anyone wanting today's rate has to ask the bank.
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
Why does it not appear in your rankings?
Because every figure we publish must come from an information sheet with a date. The Conto Key one we can read is identified as «Edition 04/2026», with no day, and shows rates different from those currently offered. Ranking it alongside products read from dated documents would make the ranking less reliable than it claims to be.
Are the rates I see elsewhere wrong?
Not necessarily: they may be correct and simply more current than the document we can reach. The point is that we cannot verify them against a dated official source, so we do not publish them as ours.
Sources
- assets.ctfassets.net Data verified on Jul 27, 2026