No current information sheet is reachable for Extraclick: the only published versions we find date from January and February 2024, and the site's transparency section does not list the product. The figures also disagree: the commercial page states «up to 2.90% for 24-month deposits», while the product appears elsewhere to offer a maximum of 3.00% at 18 months. Three sources, three different figures, no dated document.
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.
Extrabanca — Extraclick
Extrabanca S.p.A.
Extraclick is Extrabanca's online deposit account, with short and medium terms plus an instant-access line. One stated feature is that stamp duty is paid by the bank, which on deposit accounts is worth 0.2 points of return a year and matters more than it seems. We keep it out of the rankings because we cannot reach an up-to-date information sheet: those published date from 2024, and the rates stated on the site match none of the available sources.
Data & conditions
| Deposit guarantee | EU guarantee €100,000 |
|---|---|
| Supported countries | EEA · 1+ countries |
| Regulator | Banca d'Italia |
| Segment | B2C |
| Funding / solidity | Milan-based bank founded to serve foreign-origin customers resident in Italy |
| MiCA / License status | Licenza bancaria (Banca d'Italia) Italian banking licence (Bank of Italy) |
Strengths
- Stamp duty appears to be paid by the bank: 0.2 points of extra net return every year, at any amount deposited.
- The short terms available (3 and 4 months) are rare among Italian deposit accounts, almost all of which start at 6 months.
- No notable sovereignty advantage documented.
Weaknesses
- No up-to-date information sheet reachable: the most recent published ones date from 2024.
- The rates stated on the commercial page do not match the other available sources.
- A small bank with a niche positioning: counterparty risk above the €100,000 guaranteed should be weighed accordingly.
- 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: stamp duty appears to be paid by the bank: 0.2 points of extra net return every year, at any amount deposited. The trade-off to weigh: no up-to-date information sheet reachable: the most recent published ones date from 2024.
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
Does the bank really pay the stamp duty?
That is what the available sources indicate, and if confirmed it is a real advantage: on a deposit account stamp duty is 0.2% of the balance per year and is subtracted in points from the return, so absorbing it is always worth 0.2 net points. Without an up-to-date information sheet, however, we cannot confirm it as a verified fact: it is the condition to get in writing before opening.
Where do I find current rates?
They must be requested directly from the bank. At the time of our check the site's transparency section did not publish the Extraclick information sheet, and the versions reachable elsewhere date from 2024.
Sources
- Official service page Data verified on Jul 27, 2026