cashback spiegato in maniera semplice
Tempo di lettura: 2 minuti

Il 1° gennaio 2021 parte il primo periodo del programma di CASHBACK 2021, che fa seguito al periodo sperimentale, detto “Extra Cashback di Natale” . In questo breve, chiaro e sintetico articolo spiegheremo tutto ciò che c’è da sapere sul Cashback 2021.

Ecco cos’è il Programma Cashback. Tale novità è stata introdotta dalla legge 27 dicembre 2019, n. 160 – art. 1, commi 288 e 289 e si sostanzia in un rimborso in denaro per le persone fisiche maggiorenni residenti nel territorio dello Stato, che fuori dall’ esercizio di attività di impresa, arte o professione, effettuano abitualmente acquisti con strumenti di pagamento elettronici.

I periodi del programma di Cashback

Dopo il periodo sperimentale, compreso tra l’8 dicembre 2020 ed il 31 dicembre 2020, iniziano i tre periodi in cui si articola il Programma di Cashback:

  1. Primo Semestre – dal 01/01/2021 al 30/06/2021;
  2. Secondo Semestre – dal 01/07/2021 al 31/12/2021;
  3. Terzo Semestre – dal 01/01/2022 al 30/06/2022.

In cosa consiste il Cashback 2021?

Tale sistema offre la possibilità a privati cittadini, maggiorenni e residenti in Italia, di ottenere sulla base degli acquisti effettuati in Italia, presso negozi, ristoranti, supermercati, e/o professionisti e pagati tramite carte e/o app di pagamento, un rimborso in denaro.

Il rimborso è riconosciuto per ogni transazione ed è pari al 10% dell’importo speso nel limite massimo di euro 15 per transazione.

Ad esempio per un acquisto di un importo di euro 300,00 si considera il limite massimo di euro 150,00, per cui il rimborso ottenibile sarà pari ad euro 15,00 (il 10% di euro 150,00).

Quando viene rimborsato il credito?

Il credito accumulato verrà rimborsato se nel corso del periodo di riferimento (1, 2 o 3 semestre) sia stato raggiunto il numero di 50 transazioni. Le eventuali transazioni in più non sono perse, ma concorrono unicamente al SUPER CASHBACK.

I rimborsi eventualmente spettanti verranno erogati sul conto corrente indicato all’atto della adesione come di seguito indicato:

Periodo sperimentale “Extra Cashback di Natale”
(08-31 dicembre 2020)
febbraio 2021
1° Semestre (1° gennaio 2021 – 30 giugno 2021)Entro 60 giorni dal termine del periodo
2° Semestre (1° luglio 2021 – 31 dicembre 2021)Entro 60 giorni dal termine del periodo
3° Semestre (1° gennaio 2022 – 30 giugno 2022)Entro 60 giorni dal termine del periodo

Partecipano al Cashback le transazioni effettuate tramite POS fisici o altri dispositivi fisici di accettazione di pagamenti, quali carte di credito, carte di debito, carte prepagate, ovvero app di pagamento.

Sono esclusi gli acquisti effettuati on line.

ed il Super Cashback?

Oltre al CASHBACK 2021, che si articola come rimborso a percentuale, è previsto il cosiddetto SUPER CASHBACK.

Per i primi 100.000, che nel singolo periodo del Programma, abbiano totalizzato il maggior numero di transazioni regolate con strumenti di pagamento elettronico è riconosciuto un rimborso speciale (il cosiddetto “Super Cashback”) pari a € 1.500,00.


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