With a rate of 7.20 %, this new savings product promises much more than the booklet A

The drop in the rate of the booklet has encouraged many savers to turn to more remunerative products. Consequently, And precisely, a European savings book is currently promising a very interesting return.

With the fall in the rate of booklet A at 1.70 % and that of the LEP at 2.7 % since August 1, 2025, some French people are already turning to more promising alternatives. Furthermore, On forums, targeted advertisements or certain questionable newsletters, a name is increasingly coming back: the “European savings book”. For example, Presented as a new profitable solution, it promises a return of 7.20 %, more than four times that of the booklet A. Therefore, Too good to be true? Furthermore, Absolutely. In addition, This product does not exist.

Under cover of a vaguely rate 7.20 %, this new new official title. Consequently, this proposal is a rate 7.20 %. this new well -known trend during the drop in regulated yields: well -put together scams that surf the concern of savers to better trap them. According to the Autorité des Marchés Financiers (AMF). such offers are often relayed by sites imitating those of real establishments, or by telephone calls with professional looks. The objective is always the same: to extract money by promising you a miracle placement, without risk and very remunerative.

But a real banking book must respect strict rules: guaranteed capital. possible withdrawals at any time, moderate rate supervised by regulations. No product with guaranteed capital can currently display an annual interest rate of 7.20 % without running a very high risk – or without hiding a scam. The super booklets offered by online banks. for example, sometimes reach 2 % to 4 % during promotional rate 7.20 %, this new new offers, but over a short time, and before taxation. Once the single rate 7.20 %, this new flat -rate sampling of 30 % is applied, the net gain melted as snow in the sun.

The trap is all the more formidable since these offers play on an appearance of legitimacy. The very name – “European savings book” – evokes institutional validation, which does not exist. In order not to fall into the panel. a simple reflex: check if the placement is written on the white lists of the AMF. If not, go your way!

Before transferring part of your savings to an unknown offer. ask yourself about the source of information, especially if it promises a high performance. Is it rate 7.20 %, this new new your banking advisor who told you about it? An official website? If it comes from a message published on social networks. vague rate 7.20 %, this new advertising, without legal notices, forget: it is likely that it is a Gogos trap. Miracle products do not exist. The crooks are very real.