The cost of living is always higher so those who have money available are asked to what are the best savings and investment tools on which to deposit their savings. If you have a low risk propensity, postal fruits good are the ideal choice as they are safe products because they are guaranteed by the state and simple to manage. So what are those who offer the highest interest rates in August 2025?
Because postal fructifers like so much
For those who have a small budget aside and want to invest it in a safe product, postal fruits good vouchers represent, as mentioned, one of the safer choices. These products are in fact emitted by CDP, placed on the market by the Italian Post Office and guaranteed by the Italian State.
Another reason why they like them is that they are transparent and easy to understand. From the beginning, in fact, those who subscribe to them know what interest rates will be and how long the money invested will remain bound. There are therefore ideal savings and investment tools for those who do not want to take risks and do not have a great familiarity with the markets.
The earnings, however, are lower than other products such as actions but you are sure that your capital will be safe from the progress of the financial markets and will produce a certainly over time.
What is the best postal voucher in August?
The best postal fruits of August 2025, as well as in July, are those dedicated to minors. The latter can be purchased up to 16 and a half years of the minor from a relative, by a parent or a friend as long as he is of age.
The interests, then, mature until the minor reaches the age of majority. The conditions in force from 24 June 2025 communicate that:
- The gross annual actual yield at the end of 1 year and 6 months, 2 years, 3 years and 4 years is 2%;
- The yield is 2.25% after 5 and 6 years;
- The gross annual interest rate is 2.50% after 7-8-9-10-11-13 and 14 years;
- The yield is 3% after 15 and 16 years;
- The gross annual yield is 5% after 17 and 18 years.
This type of good can be subscribed both in paper and dematerialized form. The latter, however, only if you are a parent or a legal guardian.
As regards the early reimbursement of these products, it can be asked at any time but the authorization of the tutelary judge is necessary. If it arrives, you are entitled:
- the return of the money invested net of any tax charges;
- to the recognition of the interest accrued but only after 18 months.
In the event that the vouchers dedicated to minors have been signed in paper form, you are entitled to the full refund in a single solution when you want as long as it is requested within the limitation period. Also in this case, however, the authorization of the tutelary judge is necessary.
In the event of the signing of the title in paper form, the reimbursement takes place for the entire value in a single solution, at any time of the life of the voucher, within the limitation period and without additional costs, subject to the authorization of the tutelary judge.
The other best BFP in August
The voucher dedicated to minors is the one that offers the best interest rate in August. There are then:
- the 3 × 4 for long investments;
- 100 for short investments.
The 3 × 4 postal fructifers last, as can be seen from the name, twelve years. Interest rates are predefined and growing and are recognized only after the third, the sixth and ninth year. Before the three years, in fact, we are only entitled to the recognition of the capital invested net of any tax charges.
As regards the returns, from the conditions in force since 11 February 2025, it is clear that:
- 1% is obtained at the end of the third year;
- 1.50% is obtained at the end of the sixth year;
- There is 2.25% after nine years;
- 3% are obtained at the end of the twelve years.
In the case of paper subscription, the reimbursement takes place for the whole in a unique solution when you want as long as you ask for it within the prescription term. The latter takes place ten years after the expiry of the title and with it the right to request the reimbursement of the invested capital and interests is lost.
If the subscription took place in dematerialized form, however, in addition to the reimbursement of the full figure, it is also possible to ask for the partial one for amounts equal to 50 euros and multiple without costs in addition and at any time of life of the title.
Here is an example:
If you want to invest 4,000 euros in the 3 × 4 BFPs on August 18, 2025, after 12 years the net reimbursement value at the deadline will be 5,490.12 euros as can be seen from the postal Italian calculator. In this calculation, however, the stamp duty is not considered.
For short investments, the best postal post -fruiting voucher is 100 as it lasts only 4 years. This title, however, cannot be signed by everyone but only by those who pay new liquidity.
Bringing new liquidity means paying money on the saving and/or bank account of Bancoposta by September 4, 2025, except for the early closure of the offer, in these ways:
- by bank transfer;
- by paying a bank or circular check;
- through the crediting of the salary or pension.
The new liquidity, then, must be transferred to the smart booklet to buy the 100 voucher but this is possible only by means of a Girofondo.
The gross annual interest rate is 3% and is obtained at the end of the fourth year. Before this period, you only are entitled to the figure invested net of any tax charges.
Finally, as regards the reimbursement, this title can only be subscribed to dematerialized form for which it is necessary to have an account account account that can be a post saving booklet or a banking account. However, the voucher must make the same header of the relative regulation account. In the case of a refund request, the crediting of the Montante accrued, then, occurs automatically on it for which it cannot be extinct if the postal fruits are still in place.
Here is an example:
If you want to invest 4,000 euros in the 100 voucher on August 18, 2025, at the end of the four years, the net reimbursement value at the deadline, according to what the post -Italian post office calculator will communicate, will be 4, .439.24 euros. In this calculation, however, it is not considered the stamp duty that is calculated according to current legislation.
