In the current digital landscape, the management of its finances has become an increasingly connected activity to the use of smartphones and tablets. Also with regard to traditional savings products, such as the Postal Book, the need to operate independently and mobility has grown exponentially. Fortunately, Poste Italiane responded to this need, offering advanced digital solutions that allow you to control your savings and carry out operations directly from your mobile device, without having to physically go to a post office. This complete guide is designed to thoroughly explore the possibilities offered by dedicated apps, providing all the information needed to manage your Postal Book efficiently and safely, whether you own a Smart Book or a Ordinary Book.
What are Postal Books and Their Types
The Postal Book is a saving tool offered by Poste Italiane, designed to securely guard its funds and, in some cases, with the possibility of obtaining a small return. There are mainly two types of booklet, each with specific features in terms of opening and digital management.
Smart Post Book
The Smart Post Book is the most modern and digital-oriented solution. Born with the aim of simplifying the management of savings, it is immediately prepared for online operation and through app. It can be subscribed either by going to a post office or directly online through the site of Poste Italiane. This type of booklet allows you to view the balance and list of movements, but also to carry out a wide range of operations such as deposits and withdrawals, cash transfers (joints), subscription of Good Postal Fruits dematerialized and activation of the Supersmart offer, which guarantees a higher interest rate on the sums deposited for a predefined period. Its digital nature makes it the ideal tool for those who prefer comfort and autonomy in the daily management of their own funds.
Booklet Postal Ordinary
The Ordinary Postal Book represents the most traditional form of the savings booklet. Its opening takes place exclusively at a post office (it is advisable to book an appointment to avoid long waits). Unlike the Smart Book, the Ordinary Book is not immediately available for online consultation and management or via app. In order to access these digital features, it is essential to proceed with the activation of dedicated information services. Despite this initial difference, once enabled, the Ordinary Book also offers the possibility to monitor balance and movements through the digital platforms of Poste Italiane, although with fewer operational features than the Smart Book.
How to Open a Post Book
The opening of a Smart Post Book can be easily done online via the Poste.it website, or by going to any post office. For the Ordinary Postal Book, as mentioned, the only way is the opening in a post office. In the event of difficulties in the opening process, the advice is always to contact the nearest post office directly to receive personalized assistance and complete the procedure.
Your Book Always at the Gate of Hand: Dedicated Apps
To manage mail books from smartphones and tablets, Poste Italiane offers two main applications:App BancoPosta and theItalian Posts App. Both offer similar features but with slightly different interfaces, allowing users to choose the one that best suits their preferences. Compatibility is guaranteed for Android devices (also available on alternative stores at the Google Play Store) and iOS/iPadOS.
PosteID: The Unique Access Key
Regardless of the app you decide to use, access to the digital services of Poste Italiane, including the management of your booklet, happens through the code Posts. This digital identity system ensures secure and simplified access, allowing you to quickly authenticate and protect your operations. Make sure you have your active and handy PosteID before using apps.
Manage Smart Post Book via App
The Smart Libretto is designed for a smooth and complete user experience through apps. Let's see in detail how to make the most of both available solutions.
With the BancoPosta App
After downloading and installing the BancoPosta App on your device, the access and consultation process is intuitive.
- Access and consultation: Launch the app and press the “Acced” button. Enter your PosteID code and confirm access. You will find yourself in the section “Your products”, where your active cards are listed and, by scrolling, you will find the item “Goods and Books”. By selecting your Smart booklet, you will immediately have an overview of the available balance, the list of movements and operations.
- Operations Available: By clicking “Operations”, you will access the section “Published”. Here you can make several financial operations:
- Backgrounds: Transfer money between your accounts or other books.
- Subscribe Goods: Buy Good Dematerialized Postal Fruits.
- Supersmart Deposit Activation: This offer allows you to bind sums for a fixed period, obtaining a more advantageous interest rate than the basic rate of the Smart booklet.
- Advanced features: By selecting your Smart booklet directly, you can consult not only the updated balance but also the history of the active Supersmart offers, the book owner and the associated IBAN code. To transfer money by transfer from your Smart booklet, you must first associate your bank accounts, operation that can be done by the section dedicated to the Smart booklet, through the option “Associate your current accounts”. In this same section, you can also recover the PIN of your Smart booklet, pressing on “Show PIN” and entering your PosteID code, or enabling the “Withdrawal Card” for greater flexibility.
With the Italian Post App
The Italian Post App also offers complete access to your Smart Book, with a slightly different functionality organization.
- Access and Navigation: After downloading the app and logged in with your PosteID code, scroll until you locate the item “My liquidity”. Click on it and select your Smart booklet. You will be directed to the section “Published”, where you can view the number of your booklet, the available balance, the latest movements and a series of quick operations.
- Management and Saving Functions: Under display of the Smart booklet, you will find the items “Gestisci” and “Details”. Touching “Gestisci”, you can:
- Associate an account to facilitate transfers.
- Activate the Supersmart Deposit and consult the historian.
- Use the “Salvadanaio” function to save with objectives.
- Enable cardless withdrawal, which allows you to withdraw cash from ATMs even without having your physical card with you.
- The Digital Savings Bank: Objectives and Payments: The “Savadanaio” function is a powerful tool to achieve your savings goals. To activate it, select the “Salvadanaio” item and then “Enter into the savior”. You'll have to:
- Click on “Create objective”, give it a name (e.g. “Viaggio”, “Acquisto casa”, “Emergenza”) and choose a category.
- Set the desired amount (minimum 50 euros, maximum 5,000 euros) and the expiry date to reach the target.
- Confirm the prospect of your goal. At this point, you will be able to make an immediate payment (“Right now”) or consult your active objectives at any time (“Back to the Bank”). The Salvadanaio helps you to set aside small sums in a regular and structured way, facilitating the achievement of your financial goals.
Manage Ordinary Postal Book Through App
For holders of a Ordinary Postal Book, access to digital features requires a fundamental preliminary step. Once completed, the app consultation experience will be similar to that of the Smart Book.
The Basic Passage: Activation of Information Services
As mentioned, the Ordinary Postal Book is not immediately enabled for online consultation or via app. You must activate the “information services” through your personal area on the Poste.it website. To do so, follow these steps:
- Access your personal area on Poste.it using your credentials.
- Locate the section dedicated to managing books or saving products.
- Follow the wizard to enable information services, which will require the insertion of the card number or the data of your Book Card.
- Once you complete the procedure, you will receive a confirmation message of the activation of the services on your Ordinary Book.
This step is crucial and should only be done once for each Ordinary Book that you want digital management.
Consultation After Activation
Once you have enabled the information services, you can consult the balance and the latest movements of your Ordinary Postal Book by accessing the reserved area on Poste.it using the BancoPosta App or the Italian Postal App. Consultation procedures are similar to those described for the Smart Book: just access the app with your PosteID and search for the “Goods and Books” section in the BancoPosta App or “My Liquidity” in the Italian Post App. However, it is important to note that advanced operational features, such as Supersmart activation or direct book transfers, are typically exclusive to the Smart Book.
Advantages of Digital Management
The ability to manage your Postal Book via app offers numerous benefits. First of all, it guarantees unprecedented autonomy: it is no longer necessary to depend on the times of the post offices to check the balance or carry out basic operations. The convenience of having all the information at your fingertips, updated in real time, allows better planning and control of your finances. In addition, the apps integrate innovative features such as the Digital Salvadanaio, which encourage savings and help achieve specific goals more structuredly. Security is another key pillar, thanks to the use of robust authentication systems such as PosteID, which protect transactions and personal data. In summary, the digital management of the Postal Book transforms a traditional saving product into a modern, efficient and always accessible financial instrument.
Conclusion
Whether you're a new owner of a Smart Book or a loyal saver with a Ordinary Book, the digital solutions offered by Poste Italiane revolutionize the way to interact with your savings. The BancoPosta and Poste Italian apps represent an effective bridge between the traditions of postal savings and the needs of the modern world, increasingly connected and moving. Dedicating a few minutes to the initial configuration and familiarizing with interfaces, you will enjoy full autonomy in managing your funds, making the savings experience easier, comfortable and in line with your digital lifestyle.
