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Tinaba review

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

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Our verdict

Tinaba pairs a fixed deposit rate with no monthly charge, so it suits expats and travelers parking euro cash for a set term. It runs on a monthly fee of €0, a 3 to 24 term and a rate of 2.6% to 3.2%, operated by Banca Profilo S.p.A.

Key facts

Best for
A euro deposit with a fixed rate, no monthly fee and no lock-in.
Monthly fee
€0↗
Deposit protection
EU DGS up to EUR 100,000↗
Local account details
IBAN↗
Legal entity
Banca Profilo S.p.A.↗
Headquarters
Italy↗
Founded
2015↗
Support channels
Email, Phone, Help-centre↗
Audience
Expats, Travelers
Pricing model
No monthly fee
Features
Digital-only, No credit check
Official website
tinaba.bancaprofilo.it

Savings

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%↗
Account kind
Fixed↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
facebook.com

Pros and cons

Pros

  • A fixed rate of 2.6% to 3.2% with a monthly fee of €0.
  • There is no lock-in: a partial early release keeps the rate on the amount left in place.
  • Support runs on email, phone and help centre, so phone and email are both there.
  • Built for expats and travelers, with iban for moving money.

Cons

  • Digital-only, one of digital only and no credit check, means there is no branch to visit in person.
  • The minimum deposit of €1,000 sits above the €17.83 upper quartile for deposits across everyday accounts.
  • A full early release drops the rate to nothing, so a fixed account rewards patience.
Tinaba

Ready to try Tinaba?

Scored 8.9 / 10 by VaultCue.

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Who it suits

  • Expats and travelers holding a euro balance who want a fixed return over 3 to 24.
  • Savers happy to run everything online, since the service is digital-only.
  • Anyone with a €1,000 lump sum who wants it working for a set period without a monthly charge.

Who should look elsewhere

  • Qonto, at €9 a month, if you would rather pay a service fee than tie money into a fixed term.
  • Varo Visa Debit Card, free at $0, if you want a card for daily spending rather than a deposit.
  • Qonto Portugal Business Account, at €9 a month, for company money run through a business account.

Safety of your money

Protection comes as EU DGS up to EUR 100,000, the European deposit guarantee scheme, and the account is supervised in Italy by Banca d'Italia. Because Tinaba is a fixed term deposit rather than a payment balance, the money is held as a euro deposit with a local IBAN. Balances above the stated limit sit outside the cover, so larger sums would need a second provider.

How Tinaba compares

Where Tinaba is available

Available
Italy
Licence in Italy
Banca d'Italia, checked September 26, 2026

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

Frequently asked questions

What does it cost to hold money at Tinaba?+

The monthly fee is €0, which matches the site median of €0, so there is no service charge to budget for. Tinaba ranks 1 on monthly fee among 500 brands compared. What is worth watching is the rate you give up if you withdraw early.

What rate do I get and for how long?+

The headline rate is 2.6% to 3.2% and it is fixed, so the return does not drift during the term. Terms run 3 to 24, which lets you match the deposit to how long you can leave the money in place. The median headline rate across everyday accounts is 3.25%.

Can I get my money out before the term ends?+

Yes, there is no lock-in. A partial early release keeps the fixed rate on the amount that stays in the account, while a full release drops the rate to nothing. That flexibility is worth weighing against the 3 to 24 term, because taking out everything ends the interest entirely.

How much do I need to open the account?+

The minimum deposit is €1,000, which is higher than many everyday accounts ask for. Across this list, the upper quartile of minimum deposits is €17.83, so Tinaba suits savers with a lump sum rather than people adding small amounts each month.

Is my money protected?+

Protection is EU DGS up to EUR 100,000, the European deposit guarantee scheme, and Banca d'Italia supervises the bank behind the account. Since Tinaba is a fixed deposit rather than a payment wallet, the balance is held as a euro deposit, which is the kind of holding that scheme is written for. Amounts above the stated limit fall outside the cover.

Who is Tinaba built for?+

Tinaba is aimed at expats and travelers, people living or spending across euro borders. It suits someone holding a euro balance who wants a fixed return over 3 to 24 and does not need a card for everyday spending. The audience is narrow by design rather than general.

How do I get help if something goes wrong?+

Support runs on email, phone and help centre, so email, phone and a help centre are all there. Opening is digital-only and there is no credit check, both listed under digital only and no credit check, so the process is online from the start and payments run through a local IBAN rather than a branch counter.

Where is the account based and who runs it?+

Tinaba is based in Italy, with Banca Profilo S.p.A. behind it, and the account uses iban for receiving and sending money. The company was founded in 2015, so it is an established operation rather than a new entrant, and the account sits inside a supervised banking entity.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Currency conversion fee, Currencies.

Tinaba

Tinaba

A euro deposit with a fixed rate, no monthly fee and no lock-in.

8.9/10See alternatives