CA Auto Bank — Conto Deposito Tempo
CA Auto Bank S.p.A.
tax and stamp duty take 31%
Data verified on last change the sources
Worth it if you already use, or open, the bank's own Conto Remunerato as the reference account and lock funds by 16 November 2026: on that condition you get up to 3.80% gross at 36 months.
Avoid it if you want to use a reference account at another bank: the rate collapses to 0.60% across all terms, and the Tempo term cannot be broken before maturity except for documented hardship.
Conto Deposito Tempo is CA Auto Bank's fixed-term line: it is opened on top of the same bank's Conto Deposito Libero, over terms from 6 to 60 months. The rate depends on the reference account. With the CA Auto Bank Conto Remunerato, the information sheet effective 15 October 2026 pays from 3.10% gross at 6 months to 3.80% at 36 months; with an account at another bank it pays 0.60% on every term. These rates apply to terms opened up to 16 November 2026. The Tempo term cannot be broken before maturity, except for documented financial hardship; the Tempo Svincolabile variant pays less (up to 3.20% at 24 and 36 months) and pays 0.50% on early exit. Terms start at €1,000 with no upper limit, interest is paid quarterly into the Libero account and at maturity the term closes by itself. Stamp duty is borne by the customer: 3.80% gross is 2.612% net.
Data & conditions
| Max gross rate | 3.8% |
|---|---|
| Max net rate | 2.612% — tax and stamp duty take 31% |
| Account type | Fixed term |
| Available terms | 6m · 12m · 24m · 36m · 48m · 60m — up to 3.8% gross |
| Early withdrawal | No |
| What early withdrawal costs | The Tempo term cannot be broken: the customer undertakes not to move the funds until maturity. The information sheet allows early release only for documented financial hardship arising after signing (job loss, disability, serious illness or uncovered medical costs above €2,500, death of a partner, natural disasters); in that case interest is calculated at the Release Rate, which for Tempo equals the term rate. Anyone who wants to be able to exit at any time must choose Tempo Svincolabile, with no penalty but interest recalculated at 0.50%. |
| Interest compounding | Quarterly |
| Stamp duty | Paid by you — 0.2% of the balance per year |
| Deposit amount | €1,000 – — |
| Deposit guarantee | EU guarantee €100,000 |
| Automatic rollover | No |
| Requires a linked current account | Yes |
| Supported countries | EEA · 1+ countries |
| Regulator | Banca d'Italia |
| Segment | B2C |
| Funding / solidity | Crédit Agricole group bank, formerly FCA Bank, active in car finance and online deposits |
| MiCA / License status | Licenza bancaria (Banca d'Italia) Italian banking licence (Bank of Italy) |
Strengths
- The rate rises sharply when the reference account is the bank's own Conto Remunerato: 3.80% gross at 36 months instead of 0.60%. According to its information sheet that account has no fee.
- A Tempo Svincolabile variant also exists: early exit is allowed, with no penalty but at a reduced withdrawal rate.
- At maturity the term closes by itself, with no communication required.
- No notable sovereignty advantage documented.
Weaknesses
- Rates come in windows: the information sheet applies them only to terms opened up to 16 November 2026, after which the next document's terms apply.
- With a reference account at another bank the rate collapses: the information sheet in force pays 0.60% across all terms.
- The full rate requires opening the Conto Remunerato too: it has no fee, but with an average annual balance above €5,000 on that account you pay €34.20 a year in stamp duty.
- It is an add-on to the bank's own Conto Deposito Libero, not a standalone product.
- 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 rate rises sharply when the reference account is the bank's own Conto Remunerato: 3.80% gross at 36 months instead of 0.60%. According to its information sheet that account has no fee. The trade-off to weigh: rates come in windows: the information sheet applies them only to terms opened up to 16 November 2026, after which the next document's terms apply.
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
How long do these rates apply?
Information sheet no. 10/2026, updated on 15 October 2026, applies them to terms opened up to 16 November 2026. Anyone who locks funds by that date gets the stated rate for the chosen term; later terms follow the new information sheet the bank will publish.
Is it worth using the bank's own reference account?
On the information sheet in force the difference is enormous: 0.60% across all terms with an external reference account, against 3.10%-3.80% using the CA Auto Bank Conto Remunerato. On €10,000 locked for 36 months that is €380 of gross interest a year instead of €60. It is the kind of condition to read before opening, because it changes the return more than any comparison between banks.
What does 3.80% actually pay?
After the 26% withholding tax and the 0.20% annual stamp duty, borne by the customer, 3.80% gross at 36 months becomes 2.612% net. With an external reference account 0.60% gross drops to 0.244% net.
Can I exit a Tempo term early?
As a rule, no. The information sheet allows early release only for documented financial hardship arising after signing: job loss, disability, serious illness or uncovered medical costs above €2,500, death of a partner, natural-disaster damage to property in Italy. Anyone who wants to exit freely must choose Tempo Svincolabile, which with the Conto Remunerato pays from 3.00% to 3.20% up to 36 months and pays 0.50% on early exit.
Sources
- Official service page Svincolo Data verified on Nov 4, 2026
Update history
- tasso_lordo_max_pct Entry completed on information sheet no. 10/2026 of 15 October 2026, which replaces the June one whose rates expired on 14 July. With the Conto Remunerato as reference account rates run from 3.10% at 6 months to 3.80% gross at 36 months (the June document's maximum was 3.00%); with an account at another bank it stays at 0.60%. Rates valid for terms opened up to 16 November 2026.