NASpI payment: when it arrives and how to check the credit

NASpI payment: the rule in one sentence

The short answer: NASpI is paid once a month, but there is no date on the calendar that works for everybody. Unlike pensions, which land on the first working day of the month, unemployment benefit follows your own position: INPS issues the payment when your file is ready, and the day differs from one person to the next. That is why your neighbour may get it on the 10th and you on the 18th, with neither of you having done anything wrong.

What sets the actual date? Three things: the day you claimed the benefit, how fast INPS closed the checks on your application, and whether anything still needs fixing, such as an IBAN to verify or a missing notification. Once the position is clean, the months after the first tend to line up and the credit arrives with reasonable regularity, usually in the first part of the month.

• the benefit start date, meaning the day you begin to accrue NASpI: it changes how many days the first payment covers;
• the length of the assessment: INPS must check contributions, the reason for leaving and your employer's details before paying;
• changes opened while you are claiming: a new contract, income to report, a suspension or a recalculation push the credit back;
• the month you started in: if the benefit starts at the end of a month, the first payment covers only a few days and lands later than for someone who started at the beginning.

The first payment: when it really starts and how long it takes

When the benefit starts

Before the money comes the start date, the point everything is counted from. If you file the application within the eighth day after your job ends, NASpI starts on the eighth day after the termination. If you move later, but still within the statutory deadline, it starts the day after you file. In cases of dismissal for just cause the starting point moves to the thirty-eighth day after the dismissal, provided the claim is submitted by then.

The deadline for filing is 68 days from the end of the job, and missing it means losing the benefit for that employment. In some situations the clock is suspended, for example during maternity or illness that starts within the 68 days, but these are precise exceptions and must be checked case by case.

How many days until the first credit

Once the claim is filed, the assessment begins: INPS checks the contribution requirements, the termination and the calculation of the amount. This stage takes on average up to a month, though straightforward files move much faster. In practice the first payment usually arrives between 30 and 45 days after the claim, and when the checks are quick it can land after just two or three weeks.

The first payment also has two features that often scare people. One: it can be split into two instalments, one as soon as the position is settled and one right after. Two: it can look higher than expected, because it includes arrears from the start date up to the first payment, or lower, if it covers only a handful of days. Neither is an error.

• check that the IBAN on the application is correct and the account is in your name or jointly held: INPS will not credit someone else's account;
• open "NASpI: application enquiry" on MyINPS: once the claim is granted you will see the monthly amount, the duration and the calculation summary;
• turn on notifications in your personal area and in the INPS Mobile app: the Institute alerts you by SMS and message when it issues the first payment;
• if the claim is granted but nothing moves for more than fifteen days, it is time to contact a patronato.

How to see the payment: the right checks on MyINPS

Almost everyone waiting for NASpI refreshes their bank account every hour. It is the least useful check: the transfer is the end of an administrative journey, and to know when the payment arrives you should watch where that journey is visible, namely the INPS personal area. Three different services tell three parts of the story, and they need to be read together.

Payment status: what it really shows

The "Stato di un pagamento" service lists the payments INPS has already issued in your favour. Each line shows the benefit, the claim number, the days paid, the period covered, the gross amount, the deductions and the net credit. There is one limit to know: only payments issued in the two months before your query are visible. For a longer history you need the citizen's social security file (Fascicolo previdenziale).

Claim status, mailbox and notifications: the other two checks

If nothing shows in the payment list, the first thing to open is "NASpI: application enquiry". There you see whether the claim is granted, rejected or still being processed, and if granted, the monthly amount recognised. Then open the online mailbox: requests for documents and formal decisions arrive there, and on their own they explain most late payments.

• log into MyINPS with SPID, CIE or CNS from the INPS website or the INPS Mobile app;
• search for "Stato di un pagamento" and check whether a NASpI payment order exists, with its date and paid period;
• if there is no line, open "NASpI: application enquiry" to see the status of the claim;
• read the online mailbox: missing documents block payments more often than people think;
• for a year-by-year summary use the Fascicolo previdenziale, which lists every benefit paid to you.

Processing date and payment order date: two different things

Many people write to us confused by two dates that appear in MyINPS: the processing date and the payment order date. They are different moments of the same journey. Processing is when the system works on your position and calculates what you are owed; the payment order is when INPS actually instructs the bank or Poste Italiane to pay.

Days can pass between the two, and between the payment order and the money showing up in your account there are normally two or three working days. That is why the service sometimes already reports the payment while the transfer is not yet visible: it has not disappeared, it is on its way. Once the order is issued, the remaining time is your bank's, and weekends and public holidays add to the count.

• processing date: the position is calculated; this is not yet a payment;
• payment order date: INPS transmits the payment instruction; from here the money is on its way;
• credit date: the day the sum actually appears in your account, usually two or three working days after the order;
• paid period: the days the payment covers; if it is short, a lower amount is normal.

How much lands each month: the 2026 amount

Once the payment starts, the next question is how much arrives. NASpI 2026 is calculated on the average monthly salary of the last four years: 75% up to the threshold of €1,456.72, plus 25% of the part above it. The gross monthly cap for 2026 is €1,584.70, as set out in INPS circular no. 4 of 28 January 2026.

Two figures help you orient yourself. Someone who earned €1,200 a month gets about €900 gross; someone on the €1,456.72 threshold gets about €1,092.54 gross. Above the threshold the amount grows more slowly, because only 25% applies to the surplus, and the cap cannot be exceeded in any case.

• duration: a number of weeks equal to half the contribution weeks of the last four years, up to a maximum of 24 months;
• tapering: from the first day of the sixth month the amount drops by 3% each month; if you were 55 or older when you claimed, the reduction starts in the eighth month;
• taxation: NASpI is taxable income, so INPS withholds income tax and the gross never equals what lands in your account;
• arrears: the first payment can contain several days at once and look out of step with later months.

Payment late: the causes and what to do in order

When the payment does not arrive, the first reaction is to assume an INPS error. Most of the time the cause is more mundane and easier to fix: something in the position is still open. Before raising a report it pays to run the checks in the right order, because each step saves weeks of waiting.

• assessment still in progress: the claim has not been closed and no payment can be issued;
• wrong IBAN or an account not in your name: the credit is blocked and the claim details must be corrected;
• missing notifications: a new job or self-employment not reported with the NASpI-COM form suspends or voids the benefit;
• changes in progress: recalculations, suspensions or documents requested via the online mailbox push the date back;

The sequence that works

Start with MyINPS: claim status, then payment status, then online mailbox. If the claim is granted and the payment order has been issued, allow the two or three working days and check the account again. If there is no order at all, fix any outstanding data and wait a few more days. Only then does it make sense to contact the Institute: INPS Contact Centre on 803 164 from a landline or 06 164 164 from a mobile, or your patronato.

When you call, bring three things: the claim number, the period you are waiting for and the communications you have received. With those, the check is quick; without them, you start over every time.

Frequent questions about the NASpI payment

These are the questions about payment that reach our counter in Via Terenghi most often, with short answers. If your case does not fit these situations, bring it in anyway: every INPS position has its own twists.

• "Does the payment arrive on the same day every month?" No: the date depends on how your individual position is processed, not on a national calendar.
• "Is the first amount lower than expected a problem?" As a rule no: it depends on the days covered and on any arrears paid separately.
• "Can I change the IBAN while I am on NASpI?" Yes, and do it straight away in MyINPS: INPS only credits accounts in your own name.
• "Does the transfer arrive at weekends?" No: payment orders are issued on working days, so between order and credit banks, Poste and holidays all count.