As Poste Italiane had announced, the new Supersmart offers arrived on the savings book with interest rates that reach up to 2%. It is good news as keeping your money on the postal booklet does not offer any return except 0.001% per year. So what offers to focus in September and what are their main features?
The 5 Supersmart offers on Postal Booklet
Until some time ago, Supersmart offers were called while they have now taken the name of Supersmart deposits.
However, they are always the same savings products offered by Poste Italiane and who work as a bound deposit account. In fact, with them it is possible to set aside a sum of money for a certain period and then obtain a higher interest rate than that of the Smart booklet.
There are different types of offers that are:
- Supersmart Premium deposit;
- SuperSmart deposit renews;
- Supersmart Open deposit;
- Supersmart Young deposit;
- Pension Supersmart deposit.
They can only be signed by adult natural persons who are holding a single -cintage or co -staggered smart booklet with which each holder has the opportunity to operate separately.
Supersmart Premium deposit
The Supersmart Premium deposit is the offer dedicated to those who pay new liquidity on the smart postal booklet. The term new liquidity means the sums paid starting from 5 September 2025 and by November 6th except for the early closure of the offer directly on the booklet, on the BancoPosta current account or on the savings book by:
- the payment of circular or bank checks;
- the crediting of the pension or salary;
- bank transfers.
If the money is paid on other postal savings booklets or on BancoPosta accounts, it will be possible to transfer it to the Smart booklet to activate the deposit through Girofondi.
The gross annual interest rate that is obtained is 2% after 366 days. In the event, however, the provisions are deactivated before will be remunerated at the basic rate of the smart booklet which, as explained, is 0.01%.
As for the figure to be set aside, it starts from 500 euros but can be increased for multiples of 50 euros.
The advantages of activating this offer are as follows:
- Commissions will not have to be paid for activation or deactivation except tax charges;
- The money can be released in advance (even partially) but as mentioned in this case, a basic remuneration will be obtained;
- It will be possible to monitor the state of deposits from the web, from the application or by going to a post office.
Finally, the Supersmart Premium deposit can be opened directly from the site or from the application only if you are in possession of the credentials of Poste Italiane by turning on to your Smart Booklet. Alternatively, you can go to a post office by bringing the identity card and the tax code with you.
Supersmart storage renewed
Among the best offers on Smart Booklet that also the Supersmart deposit renews which is dedicated to those who own one or more provisions of SuperSmart offers or deposits expired from 1 April 2025.
This offer lasts 540 days, offers a gross annual return on the expiry of 1.75%, it can be deactivated when you want but in this case the remuneration that is obtained is the basic one and can be subscribed for amounts starting from 500 euros.
The Supersmart Rinnova deposit can be activated from the official post office website with your credentials or by the Italian post app. Alternatively, you can go to the post offices equipped with a valid identity document and the tax code. To avoid long files, the advice is to book the appointment directly from the site or app.
Supersmart Open Deposit
The adult people who have a single -culpable or coin -sighted smart booklet can put part in part or completely the sums deposited on their booklet. Those that are obviously not bound are remunerated at the basic rate of the smart booklet which is 0.001%.
By activating the Supersmart Open offer, an annual annual interest rate of 1.5% is obtained after 360 days. The minimum amount that is expensive is 500 euros that can be increased for 50 euros and multiple.
As for the maximum number of provisions that can be made, it is 10 for all Supersmart offers. In total you can have 60 active provisions simultaneously and this limit is worth a total of. It means that it does not matter if investments concern different types of deposits as the count is unique and cumulative.
Here is an example:
Giacomo decides to set aside on 9 September 3,000 euros in an SuperSmart offer renewal and 800 euros in the premium. In the event, he wants to make other provisions in one day he cannot exceed 10 while if over time he accumulates more operations, he will not have more than 60 operations open at the same time.
SuperSmart Young deposit
It offers a gross annual interest rate at the deadline of 2% after 180 days also the SuperSmart Young deposit dedicated to those who are between 18 and 35 years old. Also for this offer, the minimum provision is 500 euros which can be increased by multiples by 50 euros.
As for the subscription, it can take place directly from the official website or through the Poste Italiane app. However, you can also go to post offices with recognition document and tax code.
Supersmart pension deposit
The latest offer on the Poste Italiane website is that called Supersmart pension deposit which as can be seen from the name is dedicated to those who credit the INPS pension on the Smart booklet. This offer:
- has a duration of 364 days;
- It can be subscribed starting from 500 euros;
- offers a gross annual interest rate at the deadline of 2%;
- It has no commission expenses, activation or management except tax charges.
Finally, as regards the activation, if you already have a Smart Mona Voltesta booklet or a disjointed form, you need to have ordered the credited of the INPS pension or to have submitted the request to Poste on the Smart booklet.
Some examples of performance
As mentioned, the Supersmart offers that today are called Supersmart deposits have different characteristics and returns. For the signing of all, however, a minimum provision of 500 euros is necessary.
Here is an example of performance:
Suppose we want to set aside 1,500 euros in all the Supersmart offers indicated above. With the Supersmart Premium deposit, as can be seen from the calculator put to be said by Poste, at the end of the period there will be 22.26 euros of net interests, with the renewal of 28.74 euros while with the Open deposit 16.42 euros of net interest. Finally with the Young offer, 10.95 euros of interest while with the Supersmart pension offer 22.14 euros.
