For almost a century, i Postal fruits vouchers They are among the favorite savings tools by the Italians. The reason is that they are safe as they are guaranteed by the Italian state, they are also accessible as they are simple to use and offer a safe return on expiry. The latter, although not as high as that of actions or funds, is however perceived as the ideal solution for those who do not want to risk and at the same time get a small profit. Which are therefore the Best of May 2025?
The best BFPs of May 2025
Among the best postal fruits of May 2025, there are those dedicated to minors that offer a interest rate that reaches 5% gross annual. These savings products are dedicated to children and young people within 16 years and 6 months of age.
As for the duration, it is variable because it depends on the age of the minor at the time of the subscription. If you make a voucher for a child who is 8 years old, for example, the duration will be 8 years old. At the natural deadline, then, or at the eighteenth year of the interstier, the title will cease to produce interest and after 10 years from that date it will go to prescription. If the latter occurs, it is no longer possible to request the reimbursement of the amount invested and interest in the case of paper voucher.
For all postal vouchers, the minimum amount subscribable is 50 euros with multiples increases of 50 euros. On one day it is possible to subscribe, then, good up to 1,000,000 euros by cumulating the operations both in physical post offices and online. The returns, on the other hand, are growing and calculated in the capitalization regime composed on bimonthly basis.
The interests who mature on postal vouchers dedicated to minors are subject to the “replacement tax regime of income tax“To the extent of 12.50% pursuant to Legislative Decree number 239/1996 and subsequent amendments”. Furthermore, these products are:
- exempt from succession tax;
- subject to stamp duty as required by current legislation.
If the total value of BFP does not exceed 5,000 euros, there is the exemption from stamp duty.
THE Interest rates Annui gross are as follows:
- 2.50% after 1 year and 6 months, 2, 3, 4 and 5 years;
- 2.75% after 6 and 7 years;
- 3% after 8, 9, 10, 11, 12, 13, 14 and 15 years;
- 4% after 16 years;
- 5% after 17 and 18 years.
Here is an example of performance:
Suppose we want to buy a voucher of 3,000 euros for a minor born on April 27, 2025. From the Poste Italiane calculator, it is clear that upon reaching the age of majority or April 27, 2043, the net reimbursement value will be 6641.22 euros. The latter corresponds to the sum of the nominal value inserted and the interest accrued net of the withholding tax on interest. However, the calculation was not considered the stamp duty that is calculated according to current legislation.
The good 3 × 4
In addition to the postal fruits dedicated to minors, among the best of May 2025 there are i 3 × 4 which as can be seen from the name last 12 years. These qualifications can only be registered to natural persons and not to companies while the jointstone is allowed up to four people.
They can then be subscribed both in paper and dematerialized form. If you opt for the first one, however, you have to pay attention to the prescription that takes place ten years after the deadline expiry. The problem is that if it occurs, the right to collect the interests and the sum invested is lost. If you choose the dematerialized form, however, it is also necessary to have a regulation account that can be a saving booklet or a BancoPosta account. However, the latter must have the same header as the post office.
As for the interest rate gross is as follows:
- 1% after 3 years;
- 1.50% after 6 years;
- 2.25% after 9 years;
- 3% after 12 years.
If you want to ask for the reimbursement Before the twelve years, you can do it but:
- Before 3 years of age, no interest will be received;
- Before 6 years, the interests of the second three years will be lost;
- Before 9 years, the interests of the third three years will be lost;
- Only after 12 years will you be entitled to all interests.
Here is an example:
Suppose to purchase a 3 × 4 postal fruits on 27 April 2025. The net value at the deadline will be 4,117.62 euros which corresponds to the sum of the value inserted and the interests envisaged net of the withholding tax on interest. In the calculation of Poste Italiane, the stamp duty that applies according to current legislation has not been calculated. This title will expire on April 27, 2037 and will prescribe April 28, 2047.
Short duration vouchers
Among the best postal fructifers that can be purchased by all of a short duration are finally the 4 years Plus which as can be seen from the name last 4 years and offer a gross annual yield upon expiry of 1.25%. Such titles:
- they earn interests only if they keep up to the end of the 4 years;
- If they withdraw before the age of 4 they do not produce returns.
The interests are calculated every year but are all returned together only at the end of the age of 4 when asking for reimbursement. From the day after the deadline, however, the title stops producing interest.
As regards the reimbursement, in the cases of paper you can request the amount all together and there is no possibility of collecting only one part. If you have a dematerialized voucher, you can also withdraw even part of the money but it must be at least 50 euros or multiple of this figure.
In the event that the postal fruits are registered to several people and therefore joints, the refund may be requested:
- From all together;
- from one person depending on what was chosen when the contract was signed (for paper securities);
- from what is written on the account of the account for dematerialized.
Here is an example of performance:
Suppose to subscribe to a 4 -year Plus voucher of 3,000 euros on April 27, 2025. From the Poste Italiane calculator it is clear that the net reimbursement value at the deadline will be 3,133.74 euros to which, however, the cost of stamp duty will have to be removed. This type of title will then expire on April 27, 2029 and will be prescribed on April 28, 2039.
Recall that all three BFPs indicated above have no subscription costs and not even reimbursement except tax charges and have a subsidized taxation.
