Which postal fruits good good use in October and how much they make

Since the year of their birth, it was 1924, postal fruits have become a safe harbor for Italians because they are guaranteed by the state. In fact, the capital that is made to invest in other financial products is 100%protected. The interests are also subject to a taxation of 12.5% which is lower than that of other financial investments, which is 26%. So what are those that offer the best returns in October 2025?

How postal fructifers work work

Postal fruits are savings and investment products issued by Cassa Depositi e Prestiti and distributed by Poste Italiane. They work in this way: a sum of money is paid which is returned to the expiry of the title, increased by the interest accrued net of tax charges.

They can be purchased in paper form at the post offices and in dematerialized form by means of the official Italian website or with the Poste app. The latter solution is available only if you have a BancoPosta current account or a smart booklet, as one of the two will act as an account of the regulation on which the reimbursement of the title will be paid to the expiry – without the need to have to go to the post offices. However, the header will have to be the same as the good.

The dematerialized type is the best choice because it prevents its securities from falling in prescription after 10 years from the expiry of the voucher and when it occurs, the right to request reimbursement of securities in its possession and interests is lost.

Which BFPs offer the best interest rates in October

Thanks to the state guarantee, the BFPs are among the lowest risk investments on the market.

Among the best in the month of October there are those dedicated to minors. For long investments there are 3 × 4 and ordinary ones. For short investments it is better to choose the renews 4 years.

Postal fruits for minors

Among the best postal fruits of October are those dedicated to minors who can only be registered to those who have a maximum age of 16 and a half years and do not foresee joint. For the subscription it is also important that the minor also has a postal saving book with the same header.

This type of vouchers has a variable duration on the basis of the age of the stopover, determined by the interval of time between the date on which the title is signed and the completion of the 18th year of the minor.

The minimum amount subscribable is 50 euros and multiple while the maximum one by a unique subject on the same day is 1,000,000 euros.

All postal fruits good do not provide for any cost for signing and reimbursement. For each duplicate, however, 1.55 euros are paid regardless of the nominal value of the voucher.

The interests, as required by Legislative Decree Number 239/1996, are subject to a subsidized rate of 12.50% who do not apply to subjects who do not reside in Italy according to theArticle 6 of the same decree if the legal conditions are recalled.

For these titles also:

You don’t pay the succession tax;
You pay the stamp duty if the total value exceeds 5,000 euros.

In addition, together with postal booklets and government bonds, they are out of the ISEE. Therefore they are not counted in the model up to a maximum of 50,000 euros per family.

The gross annual yields of the postal vouchers dedicated to minors are as follows:

2% after 1 year and 6 months, 2, 3 e4 years;
2.25% after 5 and 6 years;
2.50% after 7, 8, 9, 10, 11, 12, 13 and 14 years;
3% after 15 and 16 years;
5% after 17 and 18 years.

3 × 4 long -term postal fruits vouchers

The 3 × 4 postal fructifers last 12 years and recognize a fixed performance at the expiry of each three years. The refund can be requested at any time but only after the first 3 years is it also entitled to the accrued interests.

The minimum amount for subscription is 50 euros and multiple and it is possible to reach up to 1 million euros per day per single investor.

Unlike minors vouchers, joint is allowed but maximum among 4 adults. The returns are as follows:

1% after 3 years;
1.50% after 6 years;
2.25% after 9 years;
3% after 12 years.

Here is an example of performance:

Suppose to invest 3,500 euros on 3 × 4 vouchers on 30 September. On September 30, 2037, as can be seen from the calculator made available by Poste, the net reimbursement at expiry will be 4,803.89 euros. However, stamp duty is excluded from this calculation.

The returns of ordinary BFPs for long investments

Ordinary postal vouchers, as well as all other types, can:

be registered only to natural persons;
They can also be co -staggered but in a number not exceeding four adults;
they last 20 years;
From the expiry date, which is reported on the paper front of the securities, the prescription period begins to start.

They can be subscribed for 50 euros and multiple amounts up to a maximum per subject on the same working day of 1,000,000 euros.

Reimbursement can be requested at any time but the interests are paid only after 1 year by the subscription. The gross annual interest rates are as follows:

0.75% after 1, 2, 3 and 4 years;
0.90% after 5 years;
1.04% after 6 years;
1.14% after 7 years;
1.25% after 8 years;
1.36% after 9 years;
1.47% after 10 years;
1.57% after 11 years;
1.64% after 12 years;
1.75% after 13 years;
1.86% after 14 years;
1.97% after 15 years;
2.07% after 16 years;
2.18% after 17 years;
2.28% after 18 years;
2.37% after 19 years;
2.50% after 20 years.

Here is an example of performance:

Suppose we want to invest 3,500 euros in the ordinary voucher on 30 September 2025. From the post office calculator it is clear that at the end of the 20 years, and therefore on 30 September 2035, the net reimbursement at the deadline will be 5,455.77 euros net of the withholding tax on interest and without considering the stamp duty that will calculate according to current legislation.

BFP renews 4 years, the best short -term

The best postal fruits for short investments are renewed 4 years. However, they are subscribed only if starting from September 15, 2024, one or more BFP (except those for minors and 4 years of savings) has been asked for a refund or if from 1 October 2024 one or more Supersmart offers on the saving booklet.

This offer:

lasts 4 years;
It offers a predefined and fixed return rate at the deadline that is 1.50% gross per year;
He gives the opportunity to ask for a refund when you want but before the four years you are entitled only to the return of the capital invested without interest.

Here is an example of performance:

Suppose we want to invest 3,500 euros in the good 4 years renews. At the deadline, or September 30, 2029, there will be a net reimbursement of 3,687.92 euros as can be seen from the calculator made available by Poste Italiane.