For the month of November 2026, the range of postal savings bonds offers short and long-term investment solutions with fixed rates and state guarantee.
Among the products available, the Premium line stands out at 3.25% per year for new liquidity, the Rinnova 3×4 formula with a premium of up to 3.46% and the title dedicated to minors with a gross annual fixed rate of 5% up to 18 years of age.
Postal savings bonds for November 2026
The products issued by Cassa Depositi e Prestiti and guaranteed by the State represent one of the most widespread savings options in Italy.
All securities benefit from preferential taxation on interest at 12.50%, exemption from inheritance tax and the absence of management and reimbursement costs, as well as exclusion from the ISEE calculation up to an overall threshold of 50,000 euros per family unit.
For those aiming for short or medium term constraints, the month of November 2026 presents differentiated options based on the origin of the capital and the duration of possession.
The highest yield on short maturities is offered by the Premium Voucher, reserved for Smart or Ordinary Libretto holders who bring in new liquidity by 5 November 2026.
This security has a duration of 1 year and guarantees a gross annual fixed rate at maturity of 3.25%. For those looking for a medium-term horizon accessible to all without additional liquidity requirements, the 4-year Plus voucher recognizes a gross annual yield at maturity of 2.25% after 4 years of possession.
A specific solution is instead represented by the Inheritance Solution Voucher, also with a four-year duration but dedicated exclusively to the beneficiaries of an inheritance proceeding concluded in Poste Italiane, with a fixed annual gross rate upon maturity of 3.00%.
| Type of Voucher | Duration | Gross annual yield at maturity | Requirements and notes |
|---|---|---|---|
| Premium Coupon | 1 year | 3.25% | Reserved for those who bring new liquidity by 05/11/2026 |
| Voucher 4 years Plus | 4 years | 2.25% | Can be subscribed to by all savers |
| Good Solution Legacy | 4 years | 3.00% | For beneficiaries of inheritances concluded in Poste Italiane |
| 3×4 voucher with prize | 12 years | 2.99% (with premium) | Three-year increasing returns + 8% premium on capital at maturity |
| Renew 3×4 voucher with prize | 12 years | 3.46% (with premium) | For those who have repaid securities or maturities from 01/01/2026. 16% premium on maturity |
| Voucher dedicated to minors | Up to 18 years | 5.00% | Not payable to minors under 16 and a half years of age; fixed return at 5% gross per year |
Long-term solutions
For investments with a multi-year horizon, the November range focuses on the 12-year structure with final premium options on the invested capital.
The 3×4 voucher with reward offers predefined and increasing interest rates that accrue at the end of each three-year period: 1.00% at the end of the 3rd year, 1.50% at the 6th, 2.00% at the 9th and 2.50% at the 12th year.
The peculiarity of this issue lies in the recognition, only upon completion of the 12th year of ownership, of an additional gross premium equal to 8% of the nominal value brought to maturity, which raises the overall gross annual effective yield to 2.99%.
The 3×4 Renewal Voucher version with reward is dedicated to savers who have repaid expired (or non-expired) savings bonds or completed deposits and provisions starting from 1 January 2026.
This solution maintains the same structure with increasing returns in the first three three-year periods (1.00%, 1.50% and 2.00%), but doubles the final premium at maturity, bringing it to 16% of the initial capital.
Thanks to this integration, the effective gross annual yield at maturity for Rinnova 3×4 reaches 3.46%, positioning itself as the most profitable long-term solution for customers who reinvest previous maturities.
The voucher dedicated to minors
The security that guarantees the highest annual return of the entire catalog remains the Voucher dedicated to minors. Suitable exclusively for children and young people between the ages of zero and 16 and a half, this product ensures a fixed annual gross rate of 5.00% for the entire duration of ownership, from the moment of subscription until the owner’s 18th birthday.
Subscription in paper format can be made by any adult (parents, grandparents or acquaintances), while the dematerialized form via web or app is reserved for parents or legal guardians only. In case of early release before the age of majority, the authorization of the Guardianship Judge is required. All vouchers can be purchased for minimum denominations of 50 euros and multiples.
For the dematerialized versions linked to a BancoPosta current account or a Smart Libretto, the value of the refund upon maturity is automatically credited to the settlement account, avoiding the risk of ten-year statute of limitations, which instead only concerns paper securities not collected within ten years from the end of their natural duration.
