A July 2025 million retirees INPS will receive not only the usual board monthly, but also the long-awaited fourteenth: an additional bonus that can reach up to 655 euros, reserved for those over 64 years of age and with an annual income within the limits established by law. INPS has already published all the information, including payment dates, credit methods, withheld tax and recoveries of undue benefits. Here's everything you need to know.
Pensions July 2025: When will the payment arrive?
Il payment of the July pension is expected for Tuesday, July 1, 2025, the date on which the credit will be available on your bank or postal account. For those who prefer the cash withdrawal at the Italian Post Office counters, the maximum limit of 1.000 euros net. For higher amounts, payment is made exclusively by credit: those who have not yet communicated their bank or postal details to INPS can do so by accessing the service "Changing the pension credit details" on the institutional website.
Pensions July 2025: who is entitled to the 14th monthly payment
Unlike the thirteenth of December, the fourteenth is not mandatory, but is automatically paid in July to those who respect precise requirements personal data e income. It is available to those who have completed at least 64 years by 31 December of the reference year and is entitled to one or more pension payments paid by the General Compulsory Insurance and by the substitute, exclusive and exempt forms of the same, managed by public compulsory social security bodies; and has a income total gross annual not more than twice the minimum INPS treatment, equal to 2025 euros in 15.688,40.
The fourteenth is paid on a provisional basis, based on available income data. INPS will carry out subsequent checks: if it turns out that the sum was not due, the amount will be recovered through deductions from subsequent monthly payments. Recovery may be total or partial, based on the amount of any undue payment.
Have right to holders of old-age pensions, early pensions, disability pensions (if contributory) and survivors' pensions (such as reversibility pensions). However, it does not apply to social pensions, social benefits or welfare benefits, except in specific cases with supplements.
Fourteenth: how is the pension amount calculated?
The amount of the fourteenth salary is determined on the basis of two main factors: the income bracket and years of contributions paid. Those with an income of up to 11.766,30 euros (i.e. up to 1,5 times the INPS minimum) can receive a sum between 437 and 655 euros, based on the years of contributions paid: the longer the contribution career, the higher the fourteenth will be.
Those with an income between 1,5 and 2 times the minimum allowance (up to 15.688,40 euros) are still entitled to the fourteenth salary, but with a reduced amount, between 336 and 504 euros. In this case, a safeguard clause applies that guarantees a minimum amount even to those who slightly exceed the limit.
Anyone who turns 64 after July 31st or has started receiving the pension during the year, will receive the fourteenth with the December payment, in proportion to the months of entitlement accrued. INPS will communicate the payment of the fourteenth through various official channels: the INPS pension slip with related information note, the Obis/M model and, for those who have provided their mobile number, also via informative SMS.
In case of failure to deliver or doubts about your income position, you can send online a question of income reconstitution for the fourteenth directly on the Inps website, accessing with Spid, Cie or Cns. Alternatively, you can contact a patronage for free to receive support.
July Pensions: Recovery of 200 and 150 Euro Bonuses Underway
With the July pension, INPS will also start the recovery of one-off allowances of 200 and 150 euros, paid in 2022 based on the Aid decrees. The recovery concerns only cases in which these amounts were paid incorrectly, after income checks. The refund takes place with monthly withholdings of 50 euros, until the debt is paid off. For some pensioners, the recovery has already begun in the June installment.
Low pensions: half-yearly payments and thirteenth
For those with monthly pensions between 10,01 and 90 euros, payment is made every six months. The July instalment therefore includes: all monthly payments of the second half of 2025 , thirteenth monthly payment.
Tax withholdings and year-end adjustment
The July season continues as well recovery of tax withholdings relating to 2024. If during the previous year the Irpef withholdings were lower than due, INPS has already started the recovery in January. In the case of adjustments exceeding 100 euros, for incomes up to 18 thousand euros per year, the withholding is paid in installments until November. Also from January to November 2025, the regional and municipal additional taxes relating to the previous year are withheld. Pensions not subject to taxation, such as civil disability pensions, social benefits or benefits for victims of terrorism are not subject to any withholding.
How can I see my INPS pension slip?
All the details relating to the July 2025 pension, including any changes, can be consulted by accessing the MyInps personal area with Spid, Cie or Cns. Inside, the updated pay slip and the communication relating to the fourteenth (if due) are available.
