For more than a century, i Postal fruits vouchers They represent a safe and advantageous choice for savers who are looking for a low risk investment. They were introduced to Italy in 1925 and have always guaranteed stability since then. In a market where rates are uncertain, they can be a valid one Savings and investment option For various reasons.
The first is that they are safe and reliable. In fact, they are guaranteed by the Italian state so they are practically devoid of risk of insolvency. In addition, the capital you invest is protected while the interests are calculated in a very clear way. So what are the best postal fruits of April 2025?
How postal fructifers work work
Among the best posts of April 2025 there are:
- the postal fructifers dedicated to minors;
- ordinary BFPs;
- 3 × 4 postal fruits.
All three titles indicated if paper become unsuccessful from the day after the deadline while after 10 years they go to prescription. When this last condition occurs, the good ones cannot be more collected, it means that you cannot ask for a refund of the invested capital and the accrued interests.
The purchase of BFP both in paper and dematerialized form can take place at the post offices or online or on the official Poste Italiane website. In dematerialized form also by applying the post office.
Postal fruits dedicated to minors
Among the best postal fruits of April 2025 there are those dedicated to minors. These products can be signed by the grandparents, relatives or friends of the minor and can be registered to the latter up to 16 and a half years of age.
Can be subscribed in paper form If you are parents, acquaintances or family while in dematerialized form Only if you are the parent or the family member. If you opt for the latter formula, there is no need to keep the paper title but there is an obligation to have an account account account that can be a post saving booklet or a BancoPosta current account that must have the same header as the voucher.
To sign them, the applicant must submit one of these documents:
- the Italian identity card or an EU country;
- the Italian passport or of an EU country;
- the Italian driving license;
- The non -EU passport (accompanied by a sworn translation if in a language other than English).
It is mandatory for everyone to present the tax code or the health card on plasticized support.
For the minor you can choose one of these documents, which can also be presented as a photocopy:
- the valid identity card or the passport issued to minors from 0 to 3 years;
- the identity card or passport issued to minors aged between 3 and 18 years;
- the birth certificate.
The tax code or the health card must then be delivered.
As for the Interest rates gross anni of the postal fruits dedicated to minors of April 2025, they are as follows:
- 2.50% at the end of 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 that a voucher of 5,000 euros is in a minor to a minor born on March 1, 2025. From the Poste Italiane calculator it is clear that the net reimbursement value will be upon completion of its eighteen years of 11,068.68 euros on March 1, 2043.
In this calculation, however, thestamp duty which is calculated according to current legislation.
Make ordinary BFPs up to 3% gross per year
In addition to the postal fruits dedicated to minors, among the best in April 2025 there are ordinary which last 20 years and which interests are recognized after 3, 6, 9 and 12 years. Before this period, in fact, only the reimbursement of the invested capital can be requested.
As for the returns, With the conditions in force from 11 February 2025, it is perceived:
- 0.75% after 1st, 2nd and 3rd year;
- 0.81% after 4 years;
- 1.05% after 5 years;
- 1.25% after 6 years;
- 1.39% after 7 years;
- 1.53% after 8 years;
- 1.66% at the end of the 9th year;
- 1.80% at the end of the 10th year;
- 1.91% at the end of the 11th year;
- 2% at the end of the 12th year;
- 2.15% after 13 years;
- 2.28% after 14 years;
- 2.39% after 15 years;
- 2.50% after 16 years;
- 2.62% at the end of the 17th year;
- 2.72% at the end of the 18th year;
- 2.84% at the end of the 19th year;
- 3% at the end of the 20th year.
Here is an example:
Imagine that we have purchased an ordinary voucher on March 29, 2025. This title will expire on 29 March 2045 and will prescribe on March 30, 2055. At the end of the twenty years the net upright will be 8,525.80 euros.
This value corresponds, as explained by Poste Italiane, to the sum of the inserted amount and the interests provided for net of the withholding tax on interests. Also in this case, in the calculation, stamp duty is not considered.
The characteristics of the 3 × 4 postal fruits vouchers
There are also i Postal fruits 3 × 4 Among the best in April 2025. They are also, as can be seen from the name, a long -term investment as they last 12 years. We are entitled to the recognition of the interest accrued after 3, 6 and 9 years while if you ask for a refund first, only the invested capital is obtained.
Just like ordinary and for minors there is no cost to bear for the subscription for the refund, except for tax charges.
With the conditions in force since 11 February 2025 regarding the returns of these securities, it is perceived:
- 1% after 3 years;
- 1.50% after 6 years;
- 2.25% after 9 years;
- 3% after 12 years.
Here is an example:
We always suppose that we have purchased a 3 × 4 voucher of 5,000 euros on 29 March 2025. This title will expire on March 29, 2037 while it will go in prescription on March 30, 2047
Recall that in the calculation the stamp duty is not considered.
