Here is how much you will lose in 2025 and 2026

It is acted. The rate of booklet A will indeed drop to 1^is August 2025. This is what the Ministry of the Economy has just announced, after advice from the Banque de France. The rate will therefore go from 2.4 % to 1.7 %, a consequence of the level of inflation contained in the first half.

This withdrawal, unprecedented by its magnitude since 2009, is the second of the year after a first decrease of 3 % to 2.4 % per 1^is FEBRUARY.

This decrease will have a direct impact on the interests you will receive. Thus, in 2025, if you have placed 10,000 euros, you will receive 216 euros in interest taking into account the gradual drop in the rate over the year: 3 % in January, 2.4 % between February and July, 1.7 % until December. In 2026, you will only earn 170 euros, or 46 euros less.

If we compare to 2024, where the rate had climbed up to 3 % all year round, this loss is even more significant, as shown in our table below.

Guarantee savings, available and tax exemption

The French have more than 600 billion euros in savings on booklets A (56 million French people have one) and LDDS (Sustainable and Solidarity Development Booklet), capped at 22,950 euros and 12,000 euros respectively. These booklets allow them to maintain guaranteed, available and tax exemption. The French are particularly fond.

The rate of booklet A is calculated every six months, mid-January and mid-July, from the average inflation rate (excluding tobacco) and an average rate of interbank interest depending on European monetary policy, on the semester which has just passed. However, these two elements have been down since the start of the year.

To our disadvantage

The estimate of 1.7 % was made on Friday by Philippe Crevel, director of the circle of savings, and Éric Dor, director of economic studies at the IESEG School of Management.
Such a rate would remain higher than that of June inflation, measured at 1 % over a year, according to the last publication of INSEE.

This 1.7 % decrease, on the other hand, offers a bowl of air to social housing players, who borrow from the Livret A rate, and from banks, which will have less interest to pay to savers at the end of the year.

Eminently political, the rate of the booklet has been the subject of frequent derogations in recent years – mainly to the disadvantage of savers.

With AFP

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