Best Deposit Accounts July 2025, Interest Rate Up to 3.5%

Inflation and uncertainty about the future are pushing more and more people to look for savings and investment solutions to protect the money they have worked so hard to accumulate, and among the preferred options are deposit accounts. The reason is that these products are guaranteed by the Interbank Deposit Protection Fund, thanks to which your capital is protected up to 100,000 euros for each account holder.

Here are the best ones for July 2025 , those that offer a yield of up to 3.5% gross per year.

What are the best savings accounts for July 2025?

Deposit accounts are savings and investment tools that are most often based on a traditional current account and offer the possibility of obtaining higher returns on the sums deposited.

They are the ideal option for those who want to secure their money safely without losing the opportunity to have a return that grows over time.

There are two types of deposit accounts: there are the restricted ones and the free ones. If you choose the latter, the saver can have the deposited money whenever he wants, while if you choose the former, you must wait for the end of the restriction to be able to withdraw the money together with the accrued interest. This type of account obviously offers higher interest and in some cases also gives the possibility of collecting the money in advance, but often you pay penalties for this operation.

The deposit account can be requested at your bank branch or even online and usually in the latter case it is possible to count on higher returns.

Among the best deposit accounts of the moment are those of:

• Ing orange account;
• Illimity Bank Premium account;
• Project bank account;
• Tyche Bank Account;
• deposit account X Savings of Aidexa bank.

What is a savings account?
💡 Function	Keep money and earn interest
🔐 Types	Free: you can withdraw at any time Locked: The money remains locked for a period (e.g. 6, 12 or 24 months)
📈 Interests	Up to 3.5% per annum (gross) Higher with constraint
💶 Risks	Low Guarantee up to 100,000 euros from the Interbank Deposit Protection Fund
📜 Taxation	Interest taxed at 26% Stamp duty equal to 0.20% per annum on the capital
📑 Requirements	You need to have a supporting current account
👍 Benefits	Safety Certain returns Zero cost options
⚠️ Limits	Not usable for expenses, deposits, direct withdrawals

Ing Orange Account

Among the best deposit accounts of July 2025 there is always the Arancio one by Ing as in June. Thanks to it you have a gross annual interest rate of 3.50% for 6 months without necessarily having to tie up your savings. To take advantage of this offer you need to:

• open the current account and the Arancio account by 19 July 2025;
• apply for Mastercard debit card;
• make an initial transfer which must be credited by 30 September 2025;
• spend at least 100 euros with your debit card by 30 June 2025.

Ing explains that the rate of 3.50% gross per year for the first 6 months will be from the activation date of the Arancio account up to a maximum of 100,000 euros.

Here is an example of performance:

assuming you want to set aside 10,000 euros in the Ing deposit account, after 6 months from what emerges from the calculator made available by the bank, you will obtain 10,175.00 euros. This example of yield is gross of tax withholding, the data are indicative and do not represent a commercial offer from the bank.

Illimity Bank Premium Account

Anyone who opens a Premium current account with Illimity Bank will be able to benefit from the Premium deposit account which offers the following gross annual interest rates for the withdrawable type :

• 0.80% after 6 months;
• 2.60% after 12-18-24-36-48-60 months.

If you opt for the restricted type, the rates will be as follows:

• 1.30% after 6 months;
• 3% after 12-18-24-36-48-60 months.

This type of account is 100% digital so you can activate or manage it instantly directly from your PC or smartphone.

Here is an example of performance:

Let's suppose we invest 20,000 euros in Illimity Bank's Premium account, the calculator provided by the bank shows that after 60 months we will obtain 22,219 euros. This net yield, explains Illimity, is indicative of the earnings for the entire period considered, but without calculating the stamp duty.

Bank Account Project

Anyone who opens a Key account with Banca Progetto will have a zero-fee current account, a free Mastercard international debit card and up to 3.25% on their savings if they are tied up.

In more detail, for the unsecured typology , a gross annual rate of:

• 2% after 6 months;
• 2.25% after 12 months;
• 2.50% after 18 months;
• 2.75% after 24 months;
• 2.90% after 36 months;
• 3% after 48 months;
• 3.10% after 60 months.

As regards the non-withdrawalable typology, the gross yield will be the following:

• 2.75% after 6 months;
• 3.25% after 12 months;
• 3.05% after 18 months;
• 3.50% after 24 months;
• 3.15% after 36 months;
• 3.20% after 48 months;
• 3.25% after 60 months.

Here is an example of performance:

Let's suppose we want to set aside 20,000 in the non-withdrawable deposit account of Banca Progetto. After 60 months, as can be seen from the calculator provided by the bank, we will obtain 22,405 euros. However, the stamp duty is excluded from the calculation.

ContoTe of Tyche bank

Among the best options to choose from in July 2025 is also the Tyche bank account , which will offer the following gross annual yield in the restricted type:

• 2.3% after 6 months;
• 2.80% after 12-18-24-36-48 and 60 months.

Tyche Bank communicates that the expenses will be borne by the bank, the minimum balance must be 10,000 euros and maximum 1,000,000 euros. The interest remuneration will then occur on a quarterly basis in arrears without having to wait for the expiration of the bond.

Here is an example of performance:

Let's suppose we want to set aside 20,000 euros in the Tyche Bank savings account. After 5 years, as can be seen from the calculator provided by the bank, we will obtain 22,072.00 euros. The bank explains that the interests will be paid every three months to the account in arrears while the expenses and stamp duties will be excluded from the calculation.

Deposit account X Savings of Aidexa bank

We close our roundup of the best deposit accounts of July with the one from Aidexa bank which is online and for which there is no need to necessarily open a current account.

There are three types of X Savings accounts : Flexi, Vincolata and Libera.

The first offers a gross annual rate of 2.95% until May 31, 2026 and also offers the possibility of getting your money back within 32 days.

The restricted line instead offers a gross annual rate of 2.5% after 3-6-12-18-24 and 36 months.

Finally, the free offers a gross annual rate of 1.5% until September 30, 2025.

Here is an example of performance:

Let's suppose we want to invest 20,000 euros in the Aidexa bank's restricted account, after 36 months the yield gross of stamp duty will be 1,110.00 euros as can be seen from the calculator made available by the bank.