Dfter a short and unexpected suspension due to an excess of requests, the portal to access the Thermal Account 3.0 incentives is preparing to reopen its doors on April 13th. This is a valuable opportunity for anyone who wants it modernize the heating systems of your homemaking it more efficient and less expensive to maintain. The resources dedicated to private individuals amount to 350 million euros and aim to support families in the transition to cleaner technologies.
What is the Thermal Account 3.0 and who can request it
The Thermal Account 3.0 is not the usual tax deduction to be spread over ten years on the tax return, but it is a real economic contribution credited directly to the current account of both individual homeowners and condominiums. It is managed by GSE, the Energy Services Manageror the state company that promotes sustainable development and renewable sources in Italy.
A super fast refund
The main feature of this incentive is speed: once the application is accepted, in fact, the refund usually arrives within 60 days and, for amounts up to 15,000 euros, it is paid in a single payment. This makes it much more attractive than classic building bonuses for those who need to quickly recover the investment made.
From replacing the old boiler with hybrid systems to installing hot water panels: this is how Conto Termico 3.0 works
The interventions that give the right to the contribution
Obviously, not all jobs at home allow you to access the incentive. Thermal Account 3.0 focuses specifically on thermal energy productionor heat. The admitted interventions mainly concern:
- replacement of old systems: heat pumps or hybrid systems can be installed (consisting of a condensing boiler and a heat pump working together)
- domestic hot water: the replacement of traditional electric water heaters, known for their high consumption, with modern heat pump water heaters is encouraged
- solar thermal: the installation of panels for the production of hot water using solar energy is one of the pillar interventions of this measure.
It is important to underline that, for private citizens, the installation of photovoltaic panels to produce electricity is not included in this incentive schemewhich remains focused exclusively on heating and hot water.
How the reimbursement calculation works
The Conto Termico 3.0 can cover up to 65% of the total expensebut the exact figure is not fixed. The calculation is not only based on how much has been spent, but on how much heat the system is able to produce efficiently. Simply put: the higher quality the appliance chosen and capable of saving energy, the higher the contribution that the State will recognize to the user.
How not to advance the money: the collection mandate
The incentive is definitely attractive, however, one of the big obstacles for many families is having to pay the entire invoice to the installer while waiting for a refund. To overcome this problem, however, there is the irrevocable mandate for collection. This system allows the citizen to delegate the installer or supplier to receive the contribution directly from the GSE. In this way, the user immediately pays only the difference between the total cost and the expected incentive. It is a procedure similar to what was previously known as “credit transfer”, and helps to drastically reduce the immediate outlay of money. However, you need to be careful: to use this option it is mandatory to use the standard form provided by the GSE portal, without making changes to the text.
Pay attention to bureaucracy: the bank transfer and deadlines
The closure of the portal served to correct the situation after the wave of applications rejected due to formal errors. Accuracy is key. The incentive questionIndeed, must be submitted within 90 days of the end of the works. Furthermore, to be accepted, the payment must be made by ordinary bank transfer and must contain very specific information in the “reason for payment”:
- reference to the Decree of 7 August 2025 (the rule that regulates the new Thermal Account 3.0)
- invoice number and date
- Tax code of the person paying
- VAT number of the company that carried out the work.
If you make a mistake, goodbye incentive: you can’t try again
Getting the reason or type of transfer wrong means, unfortunately, lose the right to the contribution without the possibility of remedying it at a later time. For this reason, it is always advisable to be assisted by professionals or specialized companies who know the IT portal procedures well. In short, the Thermal account 3.0 is a powerful tool for improving the comfort of your home reducing the environmental impact. And with the reopening of April 13th and the possibility of the collection order, energy efficiency becomes a decidedly closer and more accessible objective.
