The inflation and volatility of financial markets push more and more people to look for safe solutions to make their savings fruit. The SUPERSMART offers on the Postal saving book they represent one of the most considered options.
The “Supersmart deposits”, as they are called today, allow you to set aside money for a period decided in advance with the possibility of obtaining higher interest rates than those offered by the simple smart booklet.
The Supersmart offers of Maggio on Postal Savings Booklet
Leaving your money stopped in the postal savings book is not advantageous. The gross annual interest rate of the latter, in fact, is very low, equal to 0.001%. To receive a better performance, it would be appropriate to evaluate solutions such as “Supersmart deposits”. The Offers to choose from In this month of May 2025 there are five, exactly:
- SuperSmart deposit renews;
- Supersmart Premium deposit;
- Supersmart Open deposit;
- Supersmart Young deposit;
- Pension Supersmart deposit.
What is and how the Supersmart storage renews
Among the best Supersmart offers in Maggio there is the Ristorova deposit reserved for those with a smart saving booklet. The latter can be made out to a single person or more people with a disjointed signature, that is, usable by each without the need for mutual authorization.
In addition, in order to activate this offer it is necessary have had one or more provisions coming from offers/deposits Supersmart Premium at 366 days and/or 540 days, expired/ia starting from 1 April 2025.
The money that comes from the old expired deposits can also be used in part by activating the new Supersmart Renova deposit. In this case, only the set part is rewarded with a higher interest than normal.
The minimum for each new deposit will be 500 euros to which only multiple sums of 50 euros can be added while the maximum total that can be held tied on the same booklet will be 3 million euros.
The main characteristics are that:
- Each new deposit renews 540 days and offers a gross annual yield at the expiry of 1.75%;
- The deposits begin the day they are activated and end after 540 days unless the customer decides to close them first losing the increased interests;
- It is possible to activate up to 10 provisions per day but they will be able to have a maximum of 60 active in all the Supersmart versions.
Example of performance:
Let’s imagine to set aside 5,000 euros in the Supersmart offer renews that lasts 540 days. At the end of this period, as can be seen the post office calculator, interest will be obtained for 95.79 euros gross of the stamp duty which are determined by applying the withholding tax in force.
Supersmart Premium deposit
Among the offers on May Savings Booklet there is also the one called “Supersmart Premium deposit“Reserved for adults in possession of a smart booklet that can be registered or joined by signed signature. This offer, however, is dedicated only to whom brings new liquidity by June 12 (except for early closure) directly on the Smart booklet or on postal savings books or on BancoPosta current accounts registered to themselves by:
- bank transfer;
- Pension or salary credit;
- payment of a circular or bank check.
There new liquidity Pour on BancoPosta current accounts or on the savings booklets, however, it can be transferred to the Smart Booklet (to activate this deposit) only via Girofondo. In the event that withdrawals are made, then, they will take away the new liquidity for which the possibility of setting aside could be missed.
As for the gross annual performance at expiry, it will be of 2% At the end of the 366 days. The minimum figure that can be deposited each time is 500 euros up to a maximum of 3 million euros. The minimum number of daily provisions will be 10 while the maximum number of provisions that can be had in the total is 60.
An example of performance:
Let’s imagine always setting aside the figure of 5,000 euros but in the Supersmart Premium offer. The duration of the latter is 366 days and at the end of this period there will be 74.20 euros of determined net interests by applying the renewed tax current. However, they are gross of the stamp duty as can be seen from the post -Italian postcode.
Supersmart Open Deposit
Poste Italiane has communicated that from 15 April 2025 the activation of all offers such as that of the deposit Supersmart Open Only adults who have a Smart Mona Vigi or joint -friendly Smart Librating signed signature is allowed.
The duration of the Open offer is of 360 days And it can be subscribed starting from 500 euros and multiple of this figure. It can obviously be deactivated at any time but in that case the basic rate is applied which is 0.001% instead of1.50% at the end of the indicated period.
If you want to activate or deactivate provision:
- You can go to the post office;
- If you have online access also from the Poste Italiane website, the Poste Italiane app and the BancoPosta app.
It will also be possible to partial deactivation but:
- The minimum will be 50 euros always in multiples of 50;
- At least 500 euros set aside, otherwise everything will be deactivated.
As regards the samples, they can be made on the free sums or on the unnecessary money. The money deposited, on the other hand, can only be taken up at the deadline or if the provision is deactivated first.
Here is an example:
Suppose to set aside 5,000 euros in the Supersmart Open offer which lasts 360 days. At the end of this time span, as can be seen from the postal Italian calculator, 54.74 euros of determined net interests will be obtained by applying the withholding tax in force. They will be gross of stamp duty.
How the Young deposit works
THE’SuperSmart Young offer, As can be seen from the name, it is reserved only for those who have between 18 and 35 years of age. Thanks to it, it is possible to set aside a sum of money starting from a minimum of 500 euros with the possibility of increasing this figure per multiples by 50 euros. The interests which then mature are of 2% gross annual at the expiry of 180 days.
The free sums or those that do not form the subject of provision and the latter deactivated in advance are however remunerated at the basic rate of the smart booklet.
THE advantages to opt for this offer as well as for the others are:
- the costs equal to zero of activation and deactivation except for tax charges;
- the possibility of enjoying the deposit account and the smart booklet;
- the possibility of freeing the sums set aside when you want;
- the possibility of monitoring their savings.
To activate the Young offer you must obviously have a Smart mono -marked or joint -friendly smart booklet signed signed and access it from the official site of Poste Italiane or from the app. The following steps are:
- Select the Supersmart Young deposit;
- Open a smart booklet if you don’t have one;
- activate the deposit starting from a minimum of 500 euros.
For the subscription you can also go to a post office by bringing the identity card or a valid identity document and the tax code with you.
Here is an example:
Suppose to invest 5,000 euros in the Supersmart Young offer that lasts 180 days. At the end of this period, as can be evicked by the post office calculator, 36.49 euros of determined net interests will be obtained by applying the withholding tax in force. They will be gross of stamp duty.
Supersmart pension deposit
Among the May offers in the savings book there is also the Supersmart Pension Activable by adult people who are holding a single -cintastous or joint -friendly smart booklet signed.
On it, however, he will have to have been accredited At least once one pension paid by INPS Or the request for credit for a pension always paid by INPS must have been submitted to Poste Italiane. In this case, the provisions can be activated starting from the same day of the request.
The minimum aside as for the other offers will be 500 euros while the maximum of 3 million euros. The offer will last 364 days and the interest rate will be 2% gross annual.
Here is an example of performance:
Suppose to set aside 5,000 euros in the Supersmart Pension offer which lasts 364 days. At the end of this period, 73.80 euros of determined net interests will be obtained by applying tax deemed current However, this amount is gross of stamp duty.
