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1h ago

France Sets Livret A at 1.5% From Feb. 1 as LEP Fixed at 2.5%

Officials applied the legal formula with a slight upward adjustment to keep returns above inflation.

[DENIS CHARLET / AFP]
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.
Pour de nombreux Français, épargner est un réflexe. Le livret A reste l'épargne la plus populaire avec 57 millions de comptes garnis de 7 500 euros en moyenne.

Overview

  • The economy minister confirmed the new 1.5% rate effective February 1, following a Banque de France proposal based on fresh inflation data, with the LDDS aligned to the same level.
  • The strict calculation pointed to roughly 1.4%, but authorities rounded up to preserve purchasing power given year‑on‑year inflation near 0.8% in December.
  • The Livret d’épargne populaire was set at 2.5%, above its formula result of about 1.9%, as a targeted boost for lower‑income savers.
  • Lower yields reduce financing costs for social‑housing borrowers and ease banks’ regulated‑savings burdens, while recent flows show savers shifting toward life insurance and other investments.
  • About 57 million people hold the mass‑market account, whose rate has fallen from 3.0% a year ago, with the next scheduled review due for the six‑month window starting August 1.