For many families, saving 7,500 euros represents an important goal. This figure can in fact represent an interesting basis for building a small fortune. Leaving it deposited in the current account, however, is not a good idea because in the long term it could lose purchasing power due to inflation and fees.
For this reason, if you do not need to use the money in the short term, it may be appropriate to evaluate safe investment solutions such as deposit accounts, postal savings bonds and government bonds.
Postal savings bonds
Among the best products for medium-long term investments are postal savings bonds. These are simple tools to use and are guaranteed by the State.
There are various types of vouchers: some have longer durations while others are shorter. Additionally, interest rates vary depending on the product you choose.
The medium-long term ones that offer higher returns are the Renew 3×4 with premium and the Ordinary ones.
The former last twelve years and can only be subscribed to by those who have repaid one or more BFP/Supersmart deposits from 1 January 2026 or ordinary vouchers with a thirty-year duration. There is also a gross premium of 8% only at maturity and on the nominal value. The Rinnova 3×4 with prize can be purchased for amounts equal to 50 euros or multiples from the web or from the app if you have a Smart savings account or a BancoPosta account enabled for online device services. Alternatively, the purchase is possible at post offices by bringing with you your identity card or a valid identification document and your tax code.
The yields in force from 6 May 2026 are as follows:
- after 3 years, the effective gross annual return is 1%, the one including the premium at maturity is 1%;
- after 6 years, the effective gross annual return is 1.50%, the one including the premium at maturity is 1.50%;
- after 9 years, the effective gross annual return is 2%, the one including the premium at maturity is 2%;
- after 12 years, the effective annual gross yield is 2.50%, the one including the premium at maturity is 2.99%.
Ordinary postal savings bonds last 20 years and offer the following returns:
- after 1 year by 0.75%;
- after 2 years by 0.75%;
- after 3 years by 0.75%;
- after 4 years by 0.75%;
- after 5 years of 0.90%;
- after 6 years of 1.04%;
- after 7 years of 1.14%;
- after 8 years of 1.25%;
- after 9 years of 1.36%;
- after 10 years of 1.47%;
- after 11 years of 1.57%;
- after 12 years of 1.64%;
- after 13 years of 1.75%;
- after 14 years of 1.86%;
- after 15 years of 1.97%;
- after 16 years of 2.07%;
- after 17 years by 2.18%;
- after 18 years by 2.28%;
- after 19 years by 2.37%;
- after 20 years of 2.50%.
Here is an example of performance:
by investing 7,500 euros in the Rinnova 3×4 vouchers with Premium and in the ordinary ones, from the calculator made available by Poste Italiane it can be seen that with the former at expiry, the net reimbursement value at expiry is 10,288.34 euros while with the latter it is 11,690.93 euros. However, stamp duty was not considered in the calculation.
Deposit accounts
In addition to postal savings bonds, there are also deposit accounts among the best medium-long term investment products. These products allow you to obtain discrete interests on the sums deposited and can be both free and tied. In the first case the sums invested are always available while in the second case it is necessary to wait for the deadline to avoid incurring penalties.
Among the best deposit accounts of the moment are those of Cherry Bank and Illimity Banca Ifis. For the restricted version, the returns offered by the first are as follows:
- after 6 months by 3.25%;
- after 12 months by 3.25%;
- after 18 months by 2.20%;
- after 24 months by 2.20%;
- after 36 months by 3.25%;
- after 48 months of 3.50%;
- after 60 months of 3.50%.
The non-refundable version of Illimity Banca Ifis offers the following gross annual interest rates:
- after 6 months 2.65%;
- after 12 months 2.65%;
- after 18 months 2.75%;
- after 24 months 3.15%;
- after 36 months 3.40%;
- after 48 months 3.40%;
- after 60 months 3.40%.
Both products are safe because up to 100,000 euros per depositor and bank, the money is guaranteed by the Fitd (Interbank Deposit Protection Fund).
Here is an example of performance:
by investing 7,500 euros in the deposit accounts indicated above, from the calculator made available by both banks it can be seen that with the former at maturity, the net redemption value at maturity is 8,471.25 euros while with the latter it is 8,443 euros. However, stamp duty was not considered in the calculation.
Btp
Among the most used instruments for medium-long term investments are BTPs. These are multi-year Treasury bonds or bonds issued by the Italian State with maturities ranging from a few months to many years.
They work like this: when you buy a BTP you receive periodic coupons, usually every 6 months, which represent the interest accrued. Upon maturity, the invested capital is then returned.
There are various types of government bonds: the traditional ones are those with a fixed rate which guarantee a constant coupon until maturity. Then there are the BTPs indexed to inflation such as the BTP Italia and the BTP Italia Sì which adjust the yield to the cost of living so as to offer protection against loss of purchase.
Finally, variable rate BTPs with which the coupons change based on the trend in interest rates. Those looking for stability should therefore choose fixed rate BTPs while those looking for protection from inflation or greater flexibility should opt for other types.
Current accounts
If you want to leave the money deposited in your current account, the advice is to sign up for a product that offers higher interest rates.
One of the best at the moment is Unicredit’s Genius Buddy account. If it is opened by 30 June 2026, it offers a promotional remuneration of 4% gross per year on an average balance accrued up to 50,000 euros in the period between 1 July 2026 and 31 December 2026. The interest credit is then recognized by 31 January 2027.
An alternative is also to sign up for the Arancio current account of Ing bank by July 30th together with the Arancio deposit account. If you then activate them by August 31st and credit your salary or have income of at least 1,000 euros by October 31st and continue to receive them every month, you get 4% gross for 12 months on the Orange account up to 50,000 euros. If you deposit 7,500 euros, for example according to the bank’s calculator, your savings become 7,800 euros. Stamp duty was not considered in the calculation.
