The information sheet for ViViBanca's online deposit that we can reach contains no date at all: no edition, no update, no validity period. Without a date we cannot say when the rates apply, and the field we use to attribute every figure to its source would stay empty. Its rates also diverge from those found elsewhere. The site's transparency section 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.
ViViBanca — ViViConto Extra
ViViBanca S.p.A.
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 that almost no competitor offers. We keep it out of the rankings because the reachable information sheet carries no date and its rates do not match other sources.
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, with 30, 42 and 54-month steps almost no competitor offers.
- Two parallel lines exist: Extra, non-releasable, for yield; Plus, releasable, for those who want an exit.
- Entry from €1,000, among the lowest in the category.
- No notable sovereignty advantage documented.
Weaknesses
- The reachable information sheet carries no date: rates cannot be attributed to an edition.
- 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, with 30, 42 and 54-month steps almost no competitor offers. The trade-off to weigh: the reachable information sheet carries no date: rates cannot be attributed to an edition.
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 undated information sheet a problem?
Because a deposit account's terms change often, sometimes more than once a quarter. A dated document lets you say «this rate was in force on day X»; without a date, the reader cannot tell whether they are looking at today's terms or those of two years ago. Every one of our entries shows the information sheet's edition for exactly this reason, and here we could not fill it in.
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 Jul 27, 2026