Guber Banca — Conto D102 Social
Guber Banca S.p.A.
D102 Social is the digital deposit account of Guber Banca, a Brescia bank that raises retail funding online only. The ladder starts at 12 months at 3.10% gross and reaches 3.35% from 36 to 60 months, with an oddity in between: 18 months pays 3.00%, less than 12. Every fee line is zero — opening, account fee, transactions, closing, statements — leaving stamp duty, borne by the customer, as the only cost. The lock is closed: early release is declared «Not permitted», with no reduced rate and no penalty, because the operation does not exist. The ceiling is tight: €350,000 as cumulative balance per account, counting unrestricted funds and locked tranches together.
Data & conditions
| Max gross rate | 3.35% |
|---|---|
| Max net rate | 2.279% — tax and stamp duty take 32% |
| Account type | Fixed term |
| Available terms | 12m · 18m · 24m · 36m · 48m · 60m — up to 3.35% gross |
| Early withdrawal | No |
| What early withdrawal costs | Early release «Not permitted»: the information sheet rules out any liquidation before maturity, specifying that the Customer cannot obtain access to the funds «not even partially», nor close the deposit or change its duration. |
| Interest compounding | At maturity |
| Interest paid upfront | No |
| Stamp duty | Paid by you — 0.2% of the balance per year |
| Deposit amount | €5,000 – €350,000 |
| Deposit guarantee | EU guarantee €100,000 |
| Requires a linked current account | No |
| Joint account | Yes |
| Supported countries | EEA · 1+ countries |
| Regulator | Banca d'Italia |
| Segment | B2C |
| Funding / solidity | Brescia-based bank specialised in non-performing loan management, with digital-only retail funding |
| MiCA / License status | Licenza bancaria (Albo Banche n. 8074 · ABI 03656) Italian banking licence (Bank of Italy) |
Strengths
- 3.35% gross held flat from 36 to 60 months, with every fee line at zero: opening, account fee, transactions, closing and statements.
- SEPA and SEPA Instant transfers to other banks at no cost, including by phone request: rare on a pure deposit account.
- €5,000 entry per term, in line with the category average and with no obligation to open a current account with the bank.
- No notable sovereignty advantage documented.
Weaknesses
- 18 months pays 3.00% against 3.10% at 12 and 24: the only term on the ladder paying less than a shorter one, and best avoided.
- Early release «Not permitted», with no way out: there is no reduced withdrawal rate as on other deposits.
- A €350,000 overall ceiling per account, counting unrestricted and locked funds together: lower than most competitors.
- The bank may terminate the relationship on fifteen days' notice, or without notice for good cause, while the customer is barred from early release entirely.
- 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 3.5/5, solid profile. In its favour: 3.35% gross held flat from 36 to 60 months, with every fee line at zero: opening, account fee, transactions, closing and statements. The trade-off to weigh: 18 months pays 3.00% against 3.10% at 12 and 24: the only term on the ladder paying less than a shorter one, and best avoided.
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
What does 3.35% actually pay?
2.279% net. The 26% withholding tax applies to 3.35% gross, bringing it to 2.479%, then the 0.2% annual stamp duty on the balance is subtracted, which the information sheet places «on the Customer». Careful when comparing: a bank that pays the duty for you returns more than this one even at a lower gross rate, as long as the gap stays under 0.27 points.
Why do 18 months pay less than 12?
Because the 24 June 2026 information sheet sets 3.10% on the 12-month term, 3.00% on the 18-month and 3.10% again on the 24-month. It is not a typo: it is the published ladder. Anyone with an 18-month horizon earns ten hundredths of a point less than someone with a one-year horizon, while staying locked six months longer.
Can I take the money out before maturity?
No. The information sheet marks early release as «Not permitted» and specifies that the Customer cannot obtain access to locked funds even partially, nor close the deposit or change its duration. Unlike other deposit accounts there is no reduced withdrawal rate: early exit is simply not contemplated.
How much can I deposit at most?
The limit is €350,000 as cumulative balance per account, counting unrestricted funds and all locked tranches together. Remember that the Italian deposit guarantee scheme covers €100,000 per depositor: anything above is unguaranteed.
What does the unrestricted balance pay?
0.10% gross, which after withholding tax and stamp duty becomes −0.126%. Funds left outside the locked tranches therefore lose value in nominal terms: on this account it makes sense to keep only the bare minimum liquid.
Sources
- Official service page Svincolo · Bollo · Spese · Recesso Data verified on Jul 27, 2026