For almost 150 years the postal booklet It is a “safe harbor” for citizens. This product, in fact, is synonymous with safety because it is guaranteed by the state, is not subject to market fluctuations and does not provide for any opening, management or closing expenditure. Precisely for this reason it is more advantageous than other savings tools such as current accounts that are very often subject to commissions.
The postal booklet, however, offers very low returns compared to the past for which a wise move could be to set aside your money in one of the SUPERSMART offers of the moment. Here are the best.
What are the Supersmart offers of the moment
As mentioned, it is not convenient to leave your money parked on the savings book as the gross annual interest rate is 0.001%. The advice is therefore to put them on in the Supersmart offers that have now taken the name of Supersmart deposits.
However, they can only be subscribed if you have a smart booklet and they are exactly:
- the Young;
- the Supersmart pension;
- The Supersmart Open.
Young deposit: how long it lasts and who is convenient
Let’s start from the first which, as can be seen from the name, can only be used by young people aged among the 18 and 35 years. Those who activate this offer can quite or all or in part the money filed on the booklet but the minimum amount must be 500 euros and can be increased for 50 euros and multiple. Instead, the figure of 3,000,000.00 euros cannot be exceeded.
This type of offer starts from the day of the provision included and ends the day before that of the deadline or deactivation. The interest rate that is perceived is of 2.25% gross annual for provisions that last 180 days. If this time span is not respected, the basic rate of the current Smart Pro Tempore booklet is applied which today is 0.001%.
SUPERSMART PENSION Deposit: How does it work
Those who have a smart booklet and have accredited or have made a request for accreditation of a pension paid by INPS to Poste Italiane, can sign the Supersmart pension deposit. Just as for the Young offer, however, the minimum amount to be set aside is 500 euros and multiple while the maximum one of 3,000,000.00 euros.
The duration is of 364 days and starts from the date of activation (included) up to that of expiry or deactivation (excluded) while the gross annual interest rate is of the 2.25%. If the provision is deactivated in advance, the rate offered is the pro -tempore current or 0.001%.
What is the Supersmart Open deposit
Finally there is the Supersmart Open Deposit Dedicated to all those who have a smart booklet and want to grow their savings over time. Just as the other deposits provides for a minimum provision of 500 euros and maximum of 3,000,000.00 euros. The duration is instead of 360 days while the gross annual yield at the expiry is of the1.50%.
How to activate a postal deposit
All three deposits can be activated:
- on the official Poste Italiane website;
- through the BancoPosta app;
- at the post office.
The holders will be the same as the smart postal booklet on which the offer has been activated, that is to say up to a maximum of four people.
