Thanks to this booklet, 19 million savers can receive 270 euros

11.5 million savers have this savings book and 7 other million can open one, but do not know. Consequently,

The cleaver fell on the favorite savings booklets of the French. Nevertheless, The Banque de France has reassessed the interest rates of all regulated savings booklets. Furthermore, Consequence: a general drop is expected, generating a loss of income for all savers. Similarly, A decision that has surprised households, accustomed for three years to take advantage of attractive rates.

Indeed. However, the interest rates of regulated savings booklets are the subject of a revision, twice a year, in February and August. The new interest rates are calculated according to the level of inflation in thanks this booklet, 19 million force and the interbank rate € STER. Understand, the rate at which the banks exchange money. If the calculation is (very) complex. the principle is simple: when inflation progresses, the interest rates of savings booklets increase, but when inflation slows down, interest rates of savings booklets fall. However, since the average inflation slows down, standing between 1% and 1.5% in 2025, the interest rates of regulated savings booklets will undergo a decrease.

Thus, the Livret A rate will drop from 2.4% to 1.7% from August 1, 2025, barely more than inflation. This drop impacts 58 million savers who have an A booklet. The same logic applies to 24 million savers with LDDS (Sustainable. Solidarity Development Booklet) whose rate remains aligned with that of booklet A and therefore also falls to 1.7%. Clearly, more than 85% of the French population will see their income decrease compared to last year. However, another thanks this booklet, 19 million savings book will continue to offer a particularly attractive remuneration in 2025.

This booklet already benefits the 11.5 million French people who already hold one. What makes this situation even more remarkable is that 7 million additional French people could open this same booklet. but do not do so, often by ignorance of their eligibility. This is the LEP (popular savings book) which represents nearly 19 million potential beneficiaries.

The LEP will benefit from a new rate of 2.7% from August 1, 2025. This remuneration results from an exceptional bonus of 0.5 point granted by the Banque de France. While the usual calculation formula should have dropped the LEP rate at 2.2%, the authorities decided to grant this additional boost, ultimately bringing the remuneration to 2.7%.

Concretely, with 1,000 euros deposited on a LEP, a saver will receive 27 euros of interest thanks this booklet, 19 million over the year. For those who have the average outstanding, established at 5,800 euros, annual interests amount to 156 euros. The savers who reach the LEP ceiling, set at 10,000 euros, will benefit from an annual gain of 270 euros. In addition, these sums are fully exempt from taxes.

Completely free, the opening of a LEP is however conditioned on specific resources criteria. To determine its eligibility. simply consult your latest tax notice and check the amount entered in the RFR box (reference tax income). This amount must be less than 22,419 euros for a single person.