Current account rates are low: for balances below €50,000, banks offer returns between 0.15% and 0.20%, practically negligible compared to inflation and the loss of money's value. Even for larger balances, between €50,000 and €250,000, returns rarely exceed 0.35%, falling well short of expectations. Only significant deposits, over €250,000, achieve higher rates, with a maximum of 1.57% recorded in Trentino-Alto Adige for businesses and 1.31% in Lazio. Even in these circumstances, rates remain significantly lower than the yield on government bonds, which currently provide 4% on short-term BTPs. The situation is even more pronounced for families. This is the conclusion of a report by the Unimpresa Study Center, which examines the interest rates charged by Italian banks and paints a picture that, in the face of the ECB's restrictive monetary policy, heavily penalizes depositors. In recent months, the Frankfurt-based institution has increased official rates to 4.5%, which was subsequently adjusted to 3.25%. However, banks continue to maintain the rates recognized on current accounts at levels that are nearly zero. A practice that contributes to a substantial discrepancy between active rates, applied to loans and mortgages, and passive rates, which remunerate customer savings. The Italian banking system has directly benefited from the ECB rate hikes, significantly increasing interest margins.