Cashback, i fondi sono limitati: cosa cambia per i rimborsi

Il governo Draghi nel decreto del 30 giugno ha definito i fondi stanziati per pagare i rimborsi di Cashback e Super Cashback: potrebbero non bastare per tutti


Veronica Nicosia Giornalista scientifico

Laureata in astrofisica, giornalista scientifico e content editor SEO, scrive di tecnologia per magazine online e carta stampata. Nel 2020 approda a Libero Tecnologia

Le regole per il Cashback sono cambiate ufficialmente con il nuovo decreto 99/2021 emanato dal governo Draghi il 30 giugno. Not only has the second semester of Cashback been suspended, but the refunds for Super Cashback have also slipped, which will be disbursed by November 30 and not August 31.

There is also another novelty that passes between the lines of the decree: the funds allocated for Cashback and Super Cashback refunds for the first semester are limited and the number of users who have joined the initiative is high. So there is the risk of what has already happened with the first Extra Cashback of Christmas: not the 150 euros or the extra bonus of 1500 euros could arrive, but mini-refunds remodeled and redistributed among all those who participated in the initiative. Here are all the numbers of Cashback 2021 and what we can expect for the amount of refunds.

Cashback 2021: what the decree says about the funds

According to the Draghi government's decree, the funds allocated to support Cashback and super Cashback of the first semester ending June 30, 2021 are limited to 1,367.60 million euros. Instead, the funds earmarked for the second semester, which has been officially suspended, will be reallocated to cashback initiatives. In the event that the third semester, which runs from January 1 to June 30, 2022, is reconfirmed by the government in a few months, there will be a limit of funds in this case as well: 1,347.75 million euros.

In the 1,367.60 million euros allocated for the first semester, the amount of 150 million euros for Super Cashback is also included, i.e. the extra bonus of 1500 euros for the first 100,000 most active users with digital transactions.

The decree then reserves the right to proportionally reduce both Cashback and Super Cashback if the funds are not sufficient to guarantee the full amount for all program participants.

Cashback 2021: the risk of mini-refunds

Cashback data from the start of the program until June 30 have been published on the official website of the IO app. Citizens who joined the initiative in the first half of the year were 8,960,111 and made a total of 809,542,153 transactions using 16,512,270 payment instruments. Users with valid transactions are 7,897,981, mainly for amounts between 20 and 50 euros. By July 15 all the data of the first semester will be processed and it will be found out how many are entitled to refunds.

In case it was necessary to refund 150 euros to 8,960,111 citizens, the money would not be enough and would have to be reproportioned. If we take away from the funds allocated for the semester the 150 million euros destined only to the Super Cashback, there would remain 1,217 million euros to be divided among almost 9 million users: the maximum possible reimbursement would be about 136 euros each for the Cashback.

Alternatively, the government could decide to guarantee the 150 euros to each of the almost 9 million adherents and in that case there would remain only about 23.6 million euros to be destined to the Super Cashback, which would be just 236 euros instead of 1500. For this reason, we will have to wait for the final numbers on participants eligible for the refund to find out what the amount will be.