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1h ago

Banque de France Set to Propose Lower Livret A Rate Today

The statutory formula reflecting cooling inflation points to a cut near 1.4% from February.

Les épargnants vont connaître jeudi le nouveau taux du Livret A, applicable au 1er février, qui risque de baisser à nouveau, en raison du ralentissement de l'inflation
Le gouverneur de la Banque de France a proposé, jeudi 15 janvier 2026, d’abaisser le taux du livret A à 1,5 %. Photo d’illustration.
Épargne : le livret A bientôt à 1,4 % ? Pourquoi son taux ne fait-il que baisser
Le ministre de l'Économie et des Finances Roland Lescure jeudi 15 janvier sur France Inter.

Overview

  • The central bank will finalize the calculation after INSEE publishes December inflation, then submit the rate to Economy Minister Roland Lescure for a decision.
  • Analysts cited by AFP expect the Livret A to drop from 1.7% to about 1.4%, with the governor saying the return should stay clearly above inflation.
  • The Livret d’épargne populaire is slated to keep a marked advantage, with projections near 2.4% versus 2.7% today, even as only about 12 million accounts exist for roughly 31 million eligible people.
  • The Livret A, held by around 57 million savers, has fallen from 3% a year ago, and further declines have nudged households toward life insurance products yielding roughly 2.6% to 2.7%.
  • Any change would also set the LDDS rate, which is revised on the same semiannual schedule, and a lower Livret A eases social housing financing and tends to favor bank margins.