This announcement from the Banque de France will affect the income of 12 million savers

July will start. Similarly, While millions of French people are preparing to go on vacation. Similarly, the income of many of them will depend on an important announcement that the Governor of the Banque de France is preparing in a few days. However, It concerns tax -free booklets. Similarly, Here’s what to expect.

First this announcement banque de france of all. However, let us recall that, despite a drop in rate at the start of the year, tax -free booklets continue to be acclaimed by the French. Therefore, More than 8 out of 10 thus hold a booklet A. Consequently, while several million of them have opened a popular savings book in recent years. The interest rate of these regulated investments is regularly modified by the authorities in order to take into account. the evolution of prices. In principle. the rates of booklet A, the sustainable and solidarity development booklet (LDDS) or the popular savings book (LEP) can be modified twice a year: once on February 1 and once on August 1.

The last revision of the rate dates back to the start of the year. Since February 1, the remuneration of booklet A and LDDS has thus increased from 3 to 2.4 % annual. For LEP, the interest this announcement banque de france rate is now set at 3.5 %, compared to 4 % last year. A downward trend that will persist this summer.

As of August 1, 2025, the remuneration of booklets will indeed decrease again. Their future rate will be calculated from an average between inflation and interbank rates. According to the latest estimates from the data communicated by INSEE. the remuneration of booklet A should drop by more than half a point, to be around 1.7 %.

The uncertainty remains on the other hand on the remuneration of the LEP. This booklet intended for households for modest resources has indeed been advantaged by the public authorities in the latter semesters. In February, its rate was thus set at 3.5 % even though its calculation formula should have reduced it to 2.9 %. A “boost” aimed at supporting household savings in the middle and popular categories, 12.5 million LEP being open this announcement banque de france to date.

It was in mid-July that the governor of the Banque de France. François Villeroy de Galhau, will officially propose the new remuneration rates for the tax-free booklets on August 1, 2025. An important announcement, since his recommendations are most of the time followed by the government. On its proposal will therefore depend on the LEP rate: the Banque de France may either decide a new boost in favor of modest households or. conversely, end the support measures of the system. With, at the key, a sharp drop in the rate of the booklet.

In the absence of a boost, LEP’s remuneration could be reduced to only 2.2 % by applying the strict rate calculation rule. The law provides indeed that the LEP rate must be at least half a point to that of booklet A. its 1.7 % planned. The placement income of 12.5 million French people will this announcement banque de france therefore depend on the announcement of the governor of the Banque de France in mid-July.