The magnificent 4 postal savings bonds of July 2025, rate up to 5%

For 100 years, postal savings bonds have been among the most popular forms of savings and investments among Italians, despite the numerous alternatives available on the financial market. The reason for this success is certainly the security they offer. In fact, they are guaranteed by the Italian State, which is why they are seen as a safe haven in which to deposit one's savings. Furthermore, they are easy to subscribe to, as this can be done by going to a post office or directly online. So what are the best postal savings bonds for July 2025 ?

Which postal savings certificates to choose in July 2025?

Postal bonds , as explained, are among the products preferred by Italians because they are risk-free. In fact, they are guaranteed by the Italian State, issued by Cassa Depositi e Prestiti and placed on the market by Poste Italiane.

These securities can be co-owned by multiple parties as long as the number does not exceed four and give the possibility of obtaining a separate reimbursement for each holder. This option can also be excluded but it is necessary to do so at the time of subscription.

Furthermore, disputes between adults and minors as well as between minors are not permitted.

That said, the best bfp of July 2025 are:

• those dedicated to minors;
• the 100 voucher;
• the 3×4;
• ordinary vouchers.

Postal savings certificates dedicated to minors

Among the best postal savings certificates of July 2025 are those dedicated to minors that can be subscribed by parents, grandparents, relatives, friends as long as they are adults.

These securities can be purchased for amounts equal to 50 euros or multiples of that amount both in paper and dematerialized form. In the latter case, it is necessary for the minor to have a postal savings booklet as it will act as a settlement account. The latter must obviously have the same name as the voucher. To purchase the security, the minor's tax code or health card (also in photocopy) and one of the following documents will be needed:

• the identity card/passport;
• the birth certificate.

The adult who purchases the vouchers must instead present the health card or tax code and also one of the following documents:

• identity card or one from a European Union country;
• the Italian driving licence;
• an Italian or European Union passport;
• the non-EU passport together with a sworn translation if it is written in a language other than English.

Finally, this type of securities can be purchased until the minor is sixteen and a half years old and the interests will accrue until he or she comes of age. Here are the gross annual interest rates updated to June 24, 2025:

• 2% after 1 year and 6 months-2-3-4 years;
• 2.25% after 5-6 years;
• 2.50% after 7-8-9-10-11-12-13-14 years;
• 3% after 15-16 years;
• 5% after 17-18 years.

Here's an example:

Let's suppose we invest 7,000 euros in a bond dedicated to a minor born on July 7, 2025. The net value at maturity of the bond, according to the calculator made available by Poste Italiane, will be 15,496.16 euros without considering the stamp duty which will be calculated according to current legislation. This bond will expire on July 7, 2043.

Good 100

Recently, Poste Italiane launched a new postal voucher called 100. This is a title dedicated to those who have a smart or ordinary booklet and brings new liquidity . For the latter, it means all the sums paid from 20 June to 4 September 2025 unless early closure on postal savings books or BancoPosta current accounts. The amount can then be transferred to the Smart booklet to purchase the voucher only by transfer.

The gross annual yield at maturity of this security is 3% at the end of four years, but it is possible to request reimbursement even before this time frame. In this latter case, however, no interest will be paid and the reimbursement will be equal to the nominal value net of any tax charges.

Here is an example of performance:

Let's suppose we want to buy a 100 voucher on July 7, 2025. At the end of 4 years, we will receive 7,768.74 euros according to the Poste Italiane calculator. However, the stamp duty is not included in the calculation, which will be calculated according to current legislation. This title will then expire on July 7, 2029 and will expire on July 8, 2039.

Postal vouchers 3×4

There are also 3×4 postal savings bonds among the best of July 2025. They last, as the name suggests, 12 years and offer the following gross annual returns:

• 1% at the end of 3 years;
• 1.50% at the end of 6 years;
• 2.25% at the end of 9 years;
• 3% at the end of 12 years.

Even for these securities it is possible to request a total or partial refund within the limitation period. Before 3 years from the purchase, however, there is no right to recognition of the accrued interests.

Here is an example of performance:

Let's suppose we want to set aside 7,000 euros in 3×4 bfp. From the calculator provided by Poste Italiane, it is clear that the net reimbursement at maturity will be 9,607.79 euros, but the stamp duty has not been considered in the calculation, which will be calculated according to current legislation. This security will expire on 7 July 2037 and will expire on 8 July 2047.

Ordinary vouchers

We conclude our roundup of the best BFPs of July with the ordinary ones. These are securities that last 20 years and whose interests are recognized starting from the end of the first year. The gross annual interest rates are as follows following the update of June 24, 2025:

• 0.75% is received after 1-2-3-4 years;
• 0.90% at the end of the 5th year;
• 1.04% after 6 years;
• 1.14% after 7 years;
• 1.25% at the end of the 8th year;
• 1.36% after 9 years;
• 1.47% is perceived 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% at the end of the 16th year;
• 2.18% at the end of the 17th year;
• 2.28% at the end of 18 years;
• 2.37% at the end of 19 years;
• 2.50% at the end of 20 years.

Here is an example of performance:

Let's suppose we want to invest 7,000 euros in ordinary bonds on July 7, 2025. At the end of 20 years, according to the analysis of the Poste Italiane calculator, we will obtain 10,911.54 euros. As with other bfp, the stamp duty was not considered in the calculation. These bonds will expire on July 7, 2045 and will expire on July 8, 2045. Pay attention to the latter because if it occurs, you will lose the right to both the reimbursement of the invested capital and the interest.