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  • Oliviero Beha

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    "Il 6% facile, facile": assicura la pubblicit?. Ma davvero aprire un Conto Arancio vuol dire assicurarsi un rendimento annuo del 6%? La verit? ? un po? pi? complessa di quella che campeggia sui cartelloni pubblicitari e che rimbalza dagli spot radiofonici e televisivi. Intanto Conto Arancio, diversamente da quello che si pu? credere, non ? un conto corrente. E? un conto di deposito fruttifero, evoluzione del vecchio libretto di risparmio: il che vuol dire niente libretto degli assegni, niente bancomat, niente carte di credito. Del nostro costoso conto corrente bancario non possiamo quindi liberarci. Inoltre il rendimento annuo di Conto Arancio ? del 3,70%. Lordo per?. Al netto della ritenuta fiscale del 27% il rendimento scende al 2,70%.

    Ed allora come si arriva al pubblicizzato 6%? I clienti che attivano Conto Arancio entro il 28 febbraio 2003 ottengono un bonus del 2,30% da sommare al 3,70% di base. Attenzione, per?, il bonus vale solo per il mese di marzo 2003.
    Riepilogando: tasso al 6%, lordo e solo per 31 giorni.
    Ma tutto questo ? scritto nelle pagine pubblicitarie pubblicate sui giornali? Solo in parte e, ovviamente, con caratteri 17 volte pi? piccoli di quelli utilizzati per ?strillare? il conveniente tasso del 6%.
    E cos? l?Aduc, l?Associazione per i Diritti degli Utenti e del Consumatori, ha posto una domanda ?facile, facile? all?Autorit? Garante della Concorrenza e del Mercato: ?Quella di Conto Arancio ? una pubblicit? ingannevole??

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