Updated October 21, 2026 · VaultCue Editorial Team
Illimity vs K PLUS
Illimity
Higher score in this comparison
K PLUS
Where Illimity and K PLUS differ
| Compare | IllimityReviewSee alternativesSee alternatives | K PLUSReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
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Our verdict on each
Illimity
Illimity is an Italian digital bank whose fixed deposit account pays 2% to 3.9% on terms of 6 to 60 and charges a monthly fee of €0. It suits savers happy to lock money away and business customers, and it is a poor fit for anyone who wants branch cash or instant access.
K PLUS
The application flow asks users to enter occupation and income, select Xpress Loan and choose the account used to receive funds and repay.
Score breakdown
| Area | Illimity | K PLUS |
|---|---|---|
| Cost | 9.3 | Not confirmed |
| Offer | 9.8 | Not confirmed |
| Trust | 8.2 | Not confirmed |
How they place
| Ranking | Illimity | K PLUS |
|---|---|---|
| Savings accounts | 354 of 1420 | 1024 of 1420 |
Every fact side by side
| Fact | Illimity | K PLUS |
|---|---|---|
| Audience | Business | Not confirmed |
| Pricing model | No monthly fee, Fixed rate | Not confirmed |
| Features | Digital only | Not confirmed |
| Legal entity | Illimity Bank S.p.A. | Kasikornbank PCL |
| Headquarters | Italy | Thailand |
| Founded | 2018 | 1945Lower |
| Support channels | Help centre, Phone, Chat, Email | Not confirmed |
Savings
| Fact | Illimity | K PLUS |
|---|---|---|
| Headline rate | 2% to 3.9% | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Term | 6 to 60 months | Not confirmed |
| Minimum deposit | €1,000 | Not confirmed |
| Access terms | 100% digital, opened and managed from home banking on PC or smartphone; non-releasable (locked) or releasable lines with free early redemption on releasable lines only | Not confirmed |
| Account kind | Fixed | Not confirmed |
Where each stands against the rest
| Fact | Illimity | K PLUS | Median |
|---|---|---|---|
| Monthly fee | €0at the median | Not confirmed | €0 |
Median across 187 listed accounts.
Pros and cons
Illimity
Pros
- A monthly fee of €0, and no monthly fee and fixed rate lists Illimity as a no monthly fee provider
- A fixed rate of 2% to 3.9% on terms of 6 to 60
- Deposits sit under the EU guarantee scheme: EU DGS up to EUR 100,000
Cons
- Digital only, per digital only, so there is no branch counter for cash or paperwork
- A minimum deposit of €1,000 rules out small balances
- Locked lines tie the money for the full 6 to 60, and free early redemption applies only to releasable lines
K PLUS
Pros
- The application flow asks users to enter occupation and income, select Xpress Loan and choose the account used to receive funds and repay.
- The steps do not promise approval.
Who each suits
Illimity
Who it suits
- Savers who want a fixed rate and can leave the money locked for the term
- Business customers, the audience listed as business
- People already comfortable running a bank from a phone or PC
Who should look elsewhere
- Anyone who needs easy access to the money, since fixed is fixed and locked lines run to the end of the term
- Customers who want to handle cash in person, given the digital only setup listed under digital only
- Balances that sit below the €1,000 minimum
K PLUS
Who it suits
- Thailand customers applying for a K PLUS Xpress Loan
Country by country
| Country | Illimity | K PLUS |
|---|---|---|
| Italy | Yes | No |
Questions about each
Illimity
Is there a monthly fee?+
The account carries a monthly fee of €0, and no monthly fee and fixed rate lists Illimity as a no monthly fee provider. That puts it among the cheaper places to park savings, which means the rate and the term are the things worth weighing rather than the cost of keeping the account open.
What rate do I get on the money?+
The headline rate runs 2% to 3.9% and the rate type is fixed, so the return is set for the whole term instead of moving with the market. Where you land inside that range depends on the line you open and how much you keep in it.
How long do I have to tie my money up?+
Terms run 6 to 60 and the account kind is fixed. Early redemption is free on releasable lines, so you can withdraw and give up the rate, while locked lines stay committed until the end of the term they were opened for.
What is the minimum deposit?+
The minimum deposit is €1,000, which is a sizeable first commitment if you are starting from a small balance. It is the main practical hurdle here, and it sets the floor for the fixed rate to start doing any work for you.
Other options to compare
Related by the facts
Illimity
K PLUS