Interest rates on current accounts remain extremely low: for balances below €50,000, banks offer returns ranging from 0.15% to 0.20%, effectively negligible compared to inflation and the loss of purchasing power. Even for larger balances, between €50,000 and €250,000, returns rarely exceed 0.35%, falling far short of expectations. Only substantial deposits of more than 250,000 euros are eligible for higher rates, with a maximum of 1.57% recorded in Trentino-Alto Adige for corporations 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 presents a picture that, in the face of the ECB's restrictive monetary policy, heavily penalizes depositors. Although the Frankfurt-based institution hiked official rates to 4.5% in recent months, with a subsequent adjustment to 3.25%, banks continue to maintain current account rates at zero. A situation that contributes to a significant discrepancy between active rates, applied to loans and mortgages, and passive rates used to compensate customers for their savings.