Prime Minister François Bayrou recently presented tax proposals which sparked numerous debates on savings accounts and life insurance. Among the measures envisaged, raising the single flat-rate levy (PFU) from 30% to 33% particularly talked about.
A new measure for savings accounts?
This system should affect savings products popular with the French, such as life insurance, regulated savings accounts such as the CEL and PEL, as well as dividends. This reform still remains at the discussion stage.
On the other hand, its aim is to generate revenue to cover the public deficit. Be aware, however, that it raises many questions about its potential impact. This is particularly the case, for example, for modest savers.
The latter often use these savings accounts as a safety net to guarantee their financial future. François Bayrou will have to respond to the concerns of citizens, worried about seeing their savings affected by this increase.
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In parallel with this measure, the government is also considering a significant increase in the tax on plane tickets. During the parliamentary debates in the fall, several proposals emerged.
This is particularly the case with increases which can range from a simple doubling to an almost quadrupling of this tax, depending on the routes and flight classes. These increases are part of a broader effort to combat CO₂ emissions and finance the ecological transition.
François Bayrou will also have to arbitrate between these proposals on savings accounts and banknotes in the weeks to come. On the other hand, a reform targeting high incomes is also under study. The Prime Minister proposes a minimum taxation of 20% for individuals declaring more than 250,000 euros per year, or 500,000 euros for couples.
-Other projects under discussion
Thanks to various tax optimization strategies, you should also know that some taxpayers manage to considerably reduce their taxes. “With this reform, if the taxes paid do not reach this thresholda surcharge will be applied »specified the government.
On the other hand, this measure could only come into full force in 2026. In particular, for income declared in 2025. In order to overcome this delay, solutions are currently being explored to generate revenue from this year. Another idea in addition to savings accounts.
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Large companies, particularly those reporting a turnover of more than one billion euros, are not spared from these reforms. They could face a surcharge if they record profits at the end of the financial year.
This measure aims to strengthen their contribution. And this, in a context where multinationals are often criticized for their tax optimization practices. Some experts still warn of the risk of capital flight or a reduction in consumption.
François Bayrou will have to reconcile budgetary imperatives and social acceptability. It also remains to be seen whether these proposals on savings accounts and others will be able to convince parliamentarians and the French. These latter often appear wary of tax reforms.
One thing is certain, you will have to be patient before knowing more on the subject.
