The information sheet for the ViViConto Plus/Extra online deposit, published on the product page and in the Transparency section, carries only the note «Versione 26 del 05-03-2025» and, for Extra, rates from 2.50% at 6 months to 3.25% at 24 months. The product page instead states «rates in force from 20/05/2026» and its calculator shows lower terms for Extra: 2.75% at 24 months and a maximum of 3.00% from 36 to 60 months. The published contractual document therefore does not match the rates the bank says are in force, and without an aligned information sheet we cannot attribute the rates to a valid edition.
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.
ViViBanca — ViViConto Extra
ViViBanca S.p.A.
Data verified on unchanged since the sources
Worth it if you're after terms like 30, 42 or 54 months and a €1,000 entry is enough: the ladder has ten maturities from 6 to 60 months.
Avoid it if you want certainty about the rate you're locking your money at: the published information sheet dates from 5 March 2025 and its rates don't match those the page declares in force from 20 May 2026.
ViViConto Extra is the non-releasable fixed line of ViViBanca's online deposit, alongside ViViConto Plus which does allow early release. Terms run from 6 to 60 months with dense intermediate steps, including 30, 42 and 54 months. We keep it out of the rankings because the published information sheet, version of 5 March 2025, shows rates different from those the product page declares in force from 20 May 2026.
Data & conditions
| Deposit guarantee | EU guarantee €100,000 |
|---|---|
| Supported countries | EEA · 1+ countries |
| Regulator | Banca d'Italia |
| Segment | B2C |
| Funding / solidity | Turin-based bank specialised in salary-backed lending, with online retail deposits |
| MiCA / License status | Licenza bancaria (Banca d'Italia) Italian banking licence (Bank of Italy) |
Strengths
- A very dense maturity ladder: ten maturities from 6 to 60 months, including 30, 42 and 54 months.
- Two parallel lines exist: Extra, non-releasable, for yield; Plus, releasable, for those who want an exit.
- Entry from €1,000.
- No notable sovereignty advantage documented.
Weaknesses
- The published information sheet is the version of 5 March 2025 and its rates do not match those the product page declares in force from 20 May 2026.
- Top-ups after the first payment are not allowed, nor are partial withdrawals.
- A €500,000 ceiling applying both to a single deposit and to the sum of all those opened by the customer.
- 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: a very dense maturity ladder: ten maturities from 6 to 60 months, including 30, 42 and 54 months. The trade-off to weigh: the published information sheet is the version of 5 March 2025 and its rates do not match those the product page declares in force from 20 May 2026.
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 is an information sheet that doesn't match the page a problem?
Because the information sheet is the contractual document: it is where a rate becomes a commitment by the bank. The one ViViBanca publishes, version of 5 March 2025, gives Extra 3.25% at 24 months; the product page, with rates «in force from 20/05/2026», shows 2.75%. Anyone opening cannot know which of the two figures applies until the bank publishes an aligned document: that is the question to ask, in writing, before locking funds.
What is the difference between ViViConto Extra and Plus?
Extra is the non-releasable fixed line, with the higher rates. Plus allows early release and pays markedly less: the usual trade between yield and access, which on this product is spelled out as two separate lines rather than as a penalty.
Sources
- Official service page Data verified on Nov 4, 2026