Since 1924, the year in which they were born, i Postal fruits vouchers They are among the favorite savings and investment products from the Italians. The reason is that they are considered safe because they are issued by Cassa Depositi e Prestiti and because they are guaranteed by the Italian state. They then really like because they have no expense, nor for signing and not even for management. These reasons therefore make them very attractive for those who want to invest their money without taking risks. The novelty of the moment is the Postal fruit voucher 100 which was launched by Italian post office June 24th. Here are its main features and why the interest rate is really interesting.
What are the characteristics of the good 100?
The main feature of the new postal fruits 100 is that it does not exist in paper form. It can be purchased, in fact, only in the digital version From the web or from the application of Poste Italiane if you have a smart booklet enabled to online devices services.
It is also possible to buy it at one of the many post offices located on the Italian territory if you are the owners of an ordinary savings book or a Smart not enabled to online devices services. In this case, however, it will be necessary to bring your valid identity document and the tax code with you.
If you want to save time at the counter, it will also be possible Book an appointment from the official website or from the app.
Another important advantage of a digital or dematerialized version of the version is that it will not go in prescription. The reason is that it is connected directly to the savings booklet or to the account of the owner for which the invested capital and interest will be charged directly on one of the two.
In the case of paper vouchers, however, if the owner does not collect them within 10 years from the deadline, they will be prescribed. When the latter occurs, unfortunately, the right to request reimbursement of both the amount invested and the interests is lost.
Returning to the main features of the 100 voucher, as well as the other postal fructifers placed on the market, it has no subscription or management costs. In addition, it enjoys one taxation of 12.50% on the interest that is lower than the 26% scheduled for many other investments. In addition, it is free from succession tax.
Since last April, then, the BFPs together with the government bonds are out of the ISEE as well as postal savings booklets but only for a maximum amount of 50 thousand euros per family. The DSU already presented before the availability of the new model are still valid until their natural deadline even if there is the possibility to request a new calculation of the ISEE based on updated legislation.
Here is an example:
Giacomo’s family has 40 thousand euros in postal fruits and 15 thousand euros in a current account. With the new rule, only the vouchers will be excluded in the calculation of the ISEE as they fall within the established limit. The 15 thousand euros on the account, however, the Giacomo family will have to declare them. In any case, thanks to the new legislation, the ISEE could be lower so as to access greater social concessions.
What return rate does the 100 offer 100 and who can sign it?
The Postal fruit voucher 100 hard 4 years Following which a rate of gross annual performance of 3%. You can collect the money before this time span but if you do it, you do not earn interest. In fact, the initial capital is only returned to any tax charges.
Can acquire This type of good:
- who has turned 18 years of age;
- Who has a postal, ordinary or smart saving booklet.
It is also necessary that the voucher has the same header as the booklet as it will act as an account of the regulation. It will also be possible to head this product to several people, maximum four, but only if all are of age. In fact, the joint between a minor and an adult person is not allowed.
As for the sum to invest, the minimum cut is 50 euros and multiple of this figure. Over a whole day, though. You can buy vouchers up to a maximum of 1 million euros.
The good 100, what rules to respect
You can buy the new Postal fruit voucher 100 only if you use new liquidity That is, if you use the money just paid on the booklet or account. Not what was already there.
Here is an example:
Giacomo had 500 euros on the booklet and today he pays another 500. He will only be able to use the latter to sign the good 100.
More in detail, for new liquidity We mean the sums paid starting from 20 June by 4 September 2025, except for early closing of the offer.
It works in this way: Poste checks how much money was present on postal postal booklets and current accounts in the name of those who buy the title on the communicated day. This sum is the initial one, every amount that is then added starting from that day is considered “new money“But only if it is paid in some specific ways or:
- by bank transfer also from other accounts or banks;
- payment of circular or bank checks;
- Direct accreditation of salary or pension.
The new liquidity paid on the accounts and booklets can then be transferred to the Smart booklet in order to buy the 100 voucher. This operation can only be done through Girofondo.
If after the date communicated by the post office, however, money is taken from any of your booklets or by the BancoPosta accounts, that figure is reduced by the new liquidity for which the amount you can use to buy the good 100 is reduced.
Here is an example of performance:
Suppose to invest 4 thousand euros in the new 100 voucher that lasts 4 years. From the calculator on the Poste Italiane website it is clear that the net reimbursement value at the deadline will be 4,439.29 euros. This value is given by the sum of the inserted amount and of the interests envisaged net of the withholding tax on the latter. In the calculation, however, the stamp duty that is calculated according to current legislation was not considered. Finally, this title if you buy on June 24, 2025, will expire on June 24, 2029.
