The Cassa Depositi e Prestiti, with the notice published in the Official Journal on 22 September 2026, has increased the Supersmart Pension Deposit, the provision of the Smart Booklet reserved for those who collect the pension. The rate rises to 3.25% gross per year at maturity, from 2.50% in the previous version. The pensioner who credits the check to the Post Office therefore has a new incentive to tie up part of the liquidity in the savings account.
How the Supersmart Pension Deposit works
The Supersmart Pension Deposit is a restricted provision of the sums already present in the Smart Booklet, issued by Cassa Depositi e Prestiti and placed by Poste Italiane, guaranteed by the State.
The saver chooses how much to bind, blocks the amount for 364 days and upon maturity receives the capital plus interest. The sums left free in the booklet remain remunerated at the base rate, today at 0.001%.
Who can use it
The Deposit is dedicated to holders of a Smart Booklet, single-headed or joint-headed with separate signature, who fall into one of these cases:
- they receive the credit of a pension paid by INPS to the Smart Booklet;
- have submitted the request to the Post Office for the pension crediting service on the same booklet.
How much does it really pay and how long do you have to wait
3.25% is a gross rate, recognized upon completion of 364 days.
The interest on Supersmart Deposits does not benefit from the preferential rate of 12.50% of savings bonds, but is subject to the ordinary withholding tax of 26%. The amounts set aside are also subject to a stamp duty of 0.20%.
As an indication, on 10,000 euros tied up, the 3.25% gross is worth 325 euros, which, net of withholding tax and stamp duty, drops to around 220 euros.
For the exact calculation, linked to amount and duration, it is best to use the official Post Office simulator.
Until September 21st the same line, with an identical duration of 364 days, yielded 2.50% gross. From 22 September the rate rises to 3.25%: with the same amount and constraint, the gross yield increases by three-quarters of a point. Duration and requirements remain unchanged.
Pay attention to documents
The updated Information Sheet and Summary Sheet are available in post offices and on the Poste Italiane Supersmart Deposits website.
It is worth remembering that the rate is recognized on expiry and that Cdp can interrupt the offer at any time: it is advisable to read the current sheet before setting aside.
