Postal savings bonds for minors are available at all 120 post offices in the province of Cremona, the perfect gift for the end of school to accompany the growth of the little ones and introduce them to the world of savings.
They can be signed in paper form by a parent, grandparent, or friend as long as they are adults or in dematerialized form directly online on the poste.it website or via the BancoPosta APP, or in any Post Office, by the parent or guardian after opening the Booklet dedicated to minors to whom the Vouchers will be linked. The voucher can be made out exclusively to the minor and grows with him, because the interests accrue until he reaches the age of 18, with a gross annual interest rate of up to 6%.
To be able to subscribe to the Vouchers in dematerialized form, the minor must be the owner of a savings account dedicated to minors and the adult who signs it must be the owner of a postal savings account or a BancoPosta current account to which the amount can be debited.
The Vouchers can be subscribed to by minors between the ages of 0 and 16 and a half; when he celebrates his 18th birthday, the value of the vouchers subscribed and the interest accrued will be credited to the savings account of which the minor is registered.
The vouchers dedicated to minors have an increasing fixed return, are products guaranteed by the Italian State and are free of costs, except for tax charges, are exempt from inheritance tax and enjoy a preferential taxation of 12.50% on interest.
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