Since they appeared on the market, it was the distant 1925, i Postal fruits vouchers They became one of the most loved forms of investment by Italians. They are in fact a safe product because they are guaranteed by the state and then have no costs for subscription and management. Precisely for this reason they are an ideal solution for those who want to grow their capital without meeting the risks of market volatility.
Like all financial instruments, however, they have a deadline and after a certain period they go into prescription or there is the forfeiture of the right to reimbursement. So here are the BFP in expiration and in prescription in 2025.
What does it mean expiry
What happens when a postal postal good fruit expire? Well it becomes ragethat is, it no longer produces interest from the day following its expiry. However, there is an exception that concerns the ordinary vouchers issued before December 27, 2000 as these securities remain fructifers until the completion of the thirtieth calendar year following the issue.
Here is an example: suppose we have signed an ordinary voucher on 11 March 2000. This title will expire on 31 December 2030. We suppose instead of having signed an ordinary voucher on 11 March 2025, the title will expire instead on 11 March 2045.
The ordinary titles issued until 27 December 2000 (Z series), in fact, had a duration of thirty years while those issued after, from the A1 series have a twenty -year duration. Furthermore, the first ones matured interests until 31 December of the calendar year of the title of the title while the twenty -year ones become unsuccessful at the expiry of the twenty years. All the other vouchers cease instead of being fruits the following day at the natural expiry.
When the prescription takes place
As explained, at the end of the period of duration, the postal fructifers expire and from that date begins to run the period of prescription. The latter takes place After 10 years from the deadline of the title And in this case the titles can no longer be collected. It means that the right is lost to ask for a refund both of the capital invested and of the interest accrued.
In the case of paper bfp issued until April 13, 2001 and not collected, the amount is paid to the MEF while for the paper ones issued since April 14, 2001 the amount is paid to the fund set up at the MEF.
If you have instead of the good dematerialized Nothing happens as the prescription does not happen. The reason is that at the deadline, the refund takes place automatically on the regulation account or the post saving booklet or the bank account. It means that if you do not have one of these products it is not possible to subscribe to dematerialized vouchers.
How to prevent the vouchers from going in prescription
If you have a paper posts, the suggestion will always be to check the expiry date and pay attention to the prescription decades. If the expiry date is not reported on the title in its possession, it can be verified by consulting the official website of Poste Italiane or that of the Cassa Depositi e Prestiti. In addition, information can be requested from post offices or call the toll -free number 800.00.33.22.
In any case, the important thing will be to ask for a refund within the limitation period. To stay serene, those who have a paper title will also be able to ask for the dematerialisationwhich is allowed according to the methods communicated by the post office. However, you will have to have a postal booklet or a Bancoposta account with the same header as the voucher – as one of them will act as regulation account.
If you have the residence abroad And of the paper securities close to the prescription, instead you will have to contact the Italian consulate of the country where you live as in that place you will receive all the information on how to proceed. In addition, a form called “Special delegation for collecting vouchers and postal booklets“. This form will be very important as it will authorize the reimbursement of the securities. And again, together with the form, it will be necessary to present the original vouchers, a photocopy of the identity document such as the passport and the tax code. Finally, after completing the form and collected, the documents will have to send to” Poste Italiane Spa – DTO – SBO – Postal savings and managed, Office Buoni – Via di Tor Pagotta, 2 – 00143 Rome “.
What are the postal fructifers expiring in 2025?
As reported by Poste Italiane, i BFP expiring In 2025 they are as follows:
- 3 years Plus Tf103220706 series issued from 6 July 2022 to 26 October 2022, TF103221027 series issued from 27 October 2022 to 31 December 2022;
- 3 years Premium TF203A220719 series issued from 19 July 2022 to 30 August 2022;
- BFP 3 Europe TF104A190910 issued from 10 July 2019 to 31 December 2021;
- 3 × 2 series TF106A180914 issued from 14 September 2018 to 21 March 2019, TF106A190322 series issued from 22 March 2019 to 27 June 2019, TF106A190628 series issued from 28 June 2019 to 9 September 2019, TF106A190910 series issued from 10 September 2019 to 31 December 2019;
- Extra series inflation JA1 issued from 2 January 2015 to 21 February 2015;
- Good 3 × 4 T15 series issued from 1 January 2013 to 9 January 2013, T16 series issued from 10 January 2013 to 31 January 2013, T17 series issued from 1 February 2013 to 28 February 2013, T18 series issued from 1 March 2013 to 9 April 2013. And again, T19 series issued from 10 April 2013 to 19 May 2013, Serie T20 from 20 May 2013 to 9 June 2013, T21 series from 10 June 2013, T22 Series from 10. July 2013 to 9 September 2013, T23 series from 10 September 2013 to 9 October 2013. Finally, T24 series issued from 10 October 2013 to 10 November 2013, T25 series from 11 November 2013 to 9 December 2013, T26 series from 10 December 2013 to 31 December 2013;
- 3 × 4 loyalty series K01 issued from 10 January 2013 to 31 January 2013, series K02 from 1 February 2013 to 28 February 2013, Serie K03 from 1 March 2013 to 9 April 2013, Serie K04 from 10 April 2013 to 30 April 2013;
- BFP dedicated to minors registered to those who were born from 1 January 2007 to 31 December 2007;
- Ordinary BFP series Q series issued from January 1995 to October 1995, R series issued from November 1995 to December 1995, Serie B3- B4- B5- B7- B8- B9- B10- B11- B12- B13- B14 issued from January 2005 to December 2005.
What are the postal fructifers in prescription in 2025?
As explained, after 10 years from the deadline, postal fructifers must be considered prescribed. So here are what are the paper ones that will go in prescription in 2025:
- BFP 18 months D42-D43-D44-D45-D46-D47-D48-49-D50-D51 issued from 10 July 2013 to 30 June 2014;
- 18 months Plus Z23 Series issued from 1 July 2013 to 9 July 2013;
- BFP 2 years Plus Series E07-E08-E09-E10-E11-E12-E13 issued from 31 December 2012 to 9 July 2013;
- BFP 3 years Plus Series N02-N03-N04-N05-N06-N07-N08-N09-N10 issued from 1 April 2012 to 30 December 2012;
- BFP at 3 years loyalty F01 – F02 issued from 1 November 2012 to 30 December 2012;
- BFP Safe Legity Series V01 – V02 – V03 – V04 – V05 issued from 10 July 2013 to 30 December 2013;
- Good headed to savers born from 1 January 1997 to 31 December 1997.
