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Tinaba review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Tinaba suits Italian savers who want a fixed rate and a monthly fee of €0, and can open an account from €1,000. The deposit pays 2.6% to 3.2% on terms of 3 to 24, close to the 3% site median.

Key facts

Best for
Italian savers after a fixed rate with a monthly fee of €0 and no lock-in.
Headline rate
2.6% to 3.2%↗
Rate type
Fixed↗
Term
3 to 24 months↗
Minimum deposit
€1,000↗
Access terms
No lock-in: partial early release keeps the rate on the residual amount, full release drops the rate to 0%↗
Monthly fee
€0↗
Account kind
Fixed↗
Legal entity
Tinaba S.p.A.↗
Headquarters
Italy↗
Founded
2015↗
Support channels
Email, Chat, Phone, Help-centre↗
Pricing model
No monthly fee, Fixed rate
Official website
tinaba.bancaprofilo.it

Debit cards

Card type
Debit↗
Card network
Mastercard↗
Features
Crypto
Audience
Kids

Robo-advisors

Management fee
0.4% to 1%↗
Minimum investment
€2,000↗
Account types
Corporate↗
Portfolio types
ETF, Cash↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInXappgallery.huawei.com

Pros and cons

Pros

  • The deposit account has a monthly fee of €0 and a rate of 2.6% to 3.2%
  • Terms run 3 to 24, so the deposit can be short or longer
  • No lock-in: a partial early release keeps the rate on the residual amount, and a full release drops it entirely
  • Support runs on email, chat and phone

Cons

  • A full early release drops the rate entirely, so the fixed rate of 2.6% to 3.2% only holds while the money stays put
  • The minimum deposit is €1,000, and the site median minimum deposit is €0.88
  • The investment side charges a management fee of 0.4% to 1% with a minimum investment of €2,000
Tinaba

Ready to try Tinaba?

Scored 8.7 / 10 by SumCue.

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Who it suits

  • Italian households parking cash in a fixed deposit with a monthly fee of €0
  • Parents saving for children, since the account audience is listed as kids
  • Savers who want a debit card on the mastercard network alongside the deposit

Who should look elsewhere

  • Readers chasing the highest headline rate, since Wise pays 3.29% against Tinaba's 2.6% to 3.2%
  • Savers who want a wider rate band, since Finteres runs headline rates of 0% to 36% against Tinaba's 2.6% to 3.2%

Rates and card terms

The deposit pays a fixed rate of 2.6% to 3.2% on terms of 3 to 24, and the rate type is fixed rather than a variable one. There is no lock-in: a partial early release keeps the rate on the residual amount, while a full release drops the rate entirely. Rates sit close to the site median of 3%.

How Tinaba compares

Where Tinaba is available

Available
Italy

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Tinaba pay on its deposit?+

Tinaba pays a fixed rate of 2.6% to 3.2% on the deposit. The site headline rate median is 3%, so Tinaba sits close to the middle of the market. The rate type is fixed, so the payout does not move with the market, and it applies across terms of 3 to 24.

Is there a monthly fee on the account?+

The monthly fee on the deposit account is €0, so there is no recurring charge to hold it. The minimum deposit is €1,000, and the site median minimum deposit is €0.88, so the entry bar sits above the middle. The management fee of 0.4% to 1% applies to the investment side instead.

Can I withdraw money before the term ends?+

There is no lock-in on the deposit. A partial early release keeps the rate on the residual amount, but a full release drops the rate entirely, so the fixed rate only holds while the money stays in place. Terms run 3 to 24, so the commitment is set by the plan you pick.

How long can the deposit run for?+

Terms run 3 to 24, so the deposit can be a short placement or a longer one depending on the plan. The site median term is 36, which means Tinaba sits below the typical length on the comparison. The term is fixed when the account is opened.

Who is the account aimed at?+

The account audience is listed as kids, and adults can hold it too. The account types available are corporate, so registration runs through a corporate route as well as the consumer one. The account is run by Tinaba S.p.A. and is based in Italy.

What card comes with the account?+

The card is a debit card running on the mastercard network, and payments from the account use it. Support for account and card questions runs on email, chat and phone, which includes phone, chat, email and a help centre.

Can I invest alongside the deposit?+

The investment side offers portfolios of etf and cash with a management fee of 0.4% to 1% and a minimum investment of €2,000. Crypto is listed among the features. The site median for retail accounts that lose money is 70.15%, so this is not deposit money.

How does Tinaba compare with Wise on rate?+

Wise pays a headline rate of 3.29%, which is above Tinaba's 2.6% to 3.2%. bunq sits closer, at 3.01%. On cost, the monthly fee of €0 on the deposit account and a rate type of fixed are Tinaba's main draws.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Deposit protection.

Tinaba

Tinaba

Italian savers after a fixed rate with a monthly fee of €0 and no lock-in.

8.7/10See alternatives