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Bonus asilo: How to get help with the cost of childcare in Italy

Parents of young children in Italy can get up to 3,000 euros towards nursery of kindergarten fees. Here's how much you may be entitled to and how to claim in 2023.

Parents of young children in Italy are entitled to government childcare assistance.
Parents of young children in Italy are entitled to government childcare assistance. Photo by MARCO BERTORELLO / AFP.

Although the cost of childcare in Italy is lower on average than in some European countries, it still adds up to a significant cost for working families.

Parents in Italy spend a monthly average of €303 per child for a full-time place (around ten hours a day, five days a week) at a public day nursery, or asilo nido, and an average of 324 euros a month for a place in a public kindergarten (scuola materna or scuola dell’infanzia), according to the latest available figures

READ ALSO: How does the cost of childcare in Italy compare to other countries?

Fees are generally higher in northern regions, with the highest monthly nursery fees of all recorded at 515 euros in Lecco, Lombardy.

But help towards the cost of childcare is available in the form of a bonus asilo (‘nursery bonus’), which can be claimed by families of children in public daycare facilities, or in contracted private ones.

Since the measure was first introduced in 2017 – and expanded in 2020 – Italy has provided childcare benefits for parents of children under the age of three, with the aim of boosting Italy’s declining birth rate by supporting more parents in going back to work.

READ ALSO: How much does it cost to raise a child in Italy?

The assistance remains in place for the 2023 school year, with parents able to claim anywhere between 1,500 and 3,000 euros depending on their income bracket.

Eligibility

Parents of children who will be aged three or under from January to August 2023 can claim childcare government assistance, including foster parents.

While the upper limit of 3,000 euros is only for households on the lowest incomes, there’s no upper limit, so every family is eligible to receive at least a 1,500 euro payment.

The payment applies either to nursery care costs or to private childminder fees in the case of children with health conditions that would make it unsafe for them to attend daycare with other children.

How much you can claim

The claimable amount depends on families’ economic situation, which in Italy is calculated as ISEE (Equivalent Financial Position Indicator). The following subsidies are in place:

  • Families with ISEE under 25,000 euros are entitled to an annual budget of 3,000 euros.
  • Families with ISEE between 25,001 euros and 40,000 euros can claim 2,500 euros. 
  • Families with ISEE over 40,001 euros are entitled to aid worth 1,500 euros.

Find out more about your ISEE and how to get it calculated here.

The funds apply to each child in the household that falls in the age range; so for two children under three, the amount of assistance is doubled.

READ ALSO: How much maternity, paternity, and parental leave do you get in Italy?

You can only claim up to the total amount of nursery or childminder fees charged for the year.

When and where to apply

The bonus asilo for the current school year must be requested by midnight on December 31st, 2023 through the INPS website.

Parents with young children in Italy can claim up to 3,000 euros in childcare support. Here’s how to go about it.

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MONEY

Everything you need to know about closing a bank account in Italy

There are multiple reasons why you may want to close a bank account in Italy. But the process may not always be as straightforward as it should be.

Everything you need to know about closing a bank account in Italy

There are various reasons why you may want to close your Italian bank account. 

Perhaps you’re packing up and leaving the country, or maybe you’ve just had enough of steep maintenance fees and are looking to switch to a different bank.

Whichever reason you may have to close your Italian bank account, doing so may not always be straightforward, especially if you’re not familiar with the ins and outs of the process. 

How long does it take?

Bank accounts in Italy can be closed at any time and without prior notice.

It generally takes between six and 15 working days from the day you submit the request for the bank to close the account. 

READ ALSO: The verdict: What are the best banks for foreigners in Italy?

However, under an EU directive adopted in March 2015, if you ask for your account to be transferred to a different bank, this will have to happen within 12 working days from the day of the request. If the bank in question fails to comply, you’ll automatically be entitled to compensation. 

Is there a charge?

As of 2006, closing a bank account in Italy is entirely free, meaning you won’t face any closing fees or penalties. 

Having said that, any outstanding maintenance fees or stamp duty (imposta di bollo – this only applies to accounts whose average balance exceeds €5,000) will be automatically deducted before the account is closed. The same goes for any unpaid fees related to extra services connected to the account, including credit card costs.

Is there anything I need to do before closing the account?

Before requesting that your account be closed, you’ll have to make sure you have a positive balance and stop or transfer to a different account any direct debits or recurring payments. 

People walk past a branch of Italy's UniCredit bank in Milan

People walk past a branch of Italy’s UniCredit bank in Milan in August 2011. Photo by OLIVIER MORIN / AFP

You’ll also have to complete any pending banking operations, including transfers. 

Do I have to go to the branch to cancel?

Though some smaller institutes may still specifically require clients to close an account in person, most major banks in Italy currently allow customers to close an account remotely by sending a registered letter (lettera raccomandata) to the relevant branch or a PEC message to the branch’s email address.

READ ALSO: Can I open a bank account in Italy as a non-resident?

In either case, the message should enclose your account details, a completed cancellation form (this can usually be found on the bank’s website) and all the required documentation, including a copy of a valid form of ID. 

That said, while it may be possible to submit an account closure request without visiting your branch, you may still be asked to return any debit or credit cards, or, if applicable, your chequebook in person. 

Should you not be able to do so (for instance, because you live abroad) you’ll have to get in touch with the bank to make different arrangements. 

Things are generally far more straightforward when transferring an account to a different Italian bank as the new institute will handle the process for you (including the closure of the former account) and you may not be asked to visit the ‘old’ branch at all.

What about closing joint accounts?

If you have a joint account with ‘conjunct signature’ (firma congiunta) authorisation, the cancellation request must be signed by all named account holders.

READ ALSO: Which documents do I need to open an Italian bank account?

If you have a joint account with ‘disjunct signature’ (firma disgiunta) authorisation, the request can be signed by just one holder. 

Can I close the account if I have a mortgage?

Under Italian law, banks cannot force customers to keep an account open for the purpose of managing other banking products, including a mortgage. 

This means that you can close your account with the bank granting the mortgage, and keep making payments from a different account. 

However, you’ll have to make the transfer prior to submitting your account closure request.

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