The online bank Fortuneo increases the rate of its Livret + to 5% for 3 months. Here’s how to take advantage of this boosted rate and above all this investment, which is as flexible as it is secure.
To hope to obtain a better return than the 3% of Livret A, you sometimes have to agree to take some risks and turn to life insurance contracts, ETFs or even Equity Savings Plans (PEA). But not at Fortuneo.
Voted “Best bank of 2024” by Pricebank, this establishment offers a complementary solution to the Livret A, just as secure, and above all with an interest rate boosted to 5% for 3 months: the Livret +. To prepare for the start of the school year with complete peace of mind and take advantage of this offer, valid only for the first time you open a Livret + at Fortuneo, you must subscribe to it no later than June 30, 2024.
Why open a Booklet +?
Not all savers can afford to take risks on their investments, especially when it comes to precautionary savings. The security provided by the Livret A and the LDDS is one of the reasons which explains their great success with the French.
But once their ceiling is reached, you still need to find an alternative that is as reliable and as practical. Precisely, the Fortuneo Booklet + ticks almost all the boxes. Just like the Livret A, this investment carries no risk of capital loss and returns whatever happens to its holder, even if the economy is at half mast.
Likewise, the Livret + is very practical to use and allows you to deposit and withdraw funds at any time and without fees. An impromptu expense? You can recover all or part of your savings, instantly and in just a few clicks from the Fortuneo application. The only conditions required: payments and withdrawals made from this bankbook must be at least 10 euros, and you must maintain a balance of 10 euros in the Booklet + to keep it.
Such flexibility constitutes a major asset.
In addition to being praised for the flexibility of its operation, the Fortuneo Booklet + is also praised for its pricing conditions. The bank does not apply any fees when opening a Livret +, nor on payments, withdrawals or account maintenance.
The last undeniable advantage: you are not likely to be limited, as the Livret + ceiling is high. Fortuneo allows you to place up to 10 million euros in this support.
However, it must be kept in mind that unlike the Livret A, the Livret + is taxable, that is to say that the interest received is subject to social security and tax deductions.
Here’s how to benefit from a boosted rate for 3 months
Fortuneo increases the interest rate on its Livret + from 2 to 5% for a period of 3 months.
However, to benefit from these conditions, a few prerequisites are necessary. Here they are :
- the request to open Livret + must be sent to Fortuneo no later than June 30, 2024;
- it must be your first Livret + within this online bank;
- you must deposit a minimum of 10 euros to finalize the subscription;
- This boosted rate applies to any deposit less than 100,000 euros. Beyond this amount and after the 3-month bonus period, the sums placed in this Livret + are remunerated at the gross annual base rate of 2%;
- in the event of partial or complete withdrawal of funds before the 3-month period, interest is deducted accordingly;
- you must keep the Livret + open at least until December 31, 2024 in order to receive the interest that you will then have capitalized.
Subscription in just a few clicks
To make a request to open a Livret + with Fortuneo, it’s very simple and above all very quick. Everything happens online on the online banking website or from the Fortuneo application available on iOS and Android. Simply :
- provide your identity and contact details on the form provided for this purpose;
- specify the amount you wish to deposit when opening the Livret + (10 minimum);
- attach the RIB of the account from which you plan to make this first payment. This may be an account opened with Fortuneo or with any other French financial institution;
- attach a copy of your identity document (valid).
Even more back-to-school bonuses?
If in parallel with the Livret +, you decide to open your first Fortuneo deposit account (individual or joint) with a Gold CB Mastercard you can obtain under certain conditions up to 80 euros of welcome bonus with the promo code BIENVENUEFTO
The Fortuneo Gold CB Mastercard // Source: Fortuneo
To benefit from this bonus for sure (provided that the account opening request and the Gold CB Mastercard membership have been validated by Fortuneo), you must make at least 5 payments with this card within 90 days following its subscription (**).
Beyond the premium offered, this offer has numerous advantages, especially in terms of pricing. Not only does Fortuneo not charge any account maintenance fees, but the Gold CB Mastercard card is free if you make at least one payment per month. Otherwise, this bank card will cost you 9 euros per month.
In addition, all of your payments and withdrawals made in France and abroad are free and benefit from extended ceilings (***).
To top it all off, this bank card gives you access to exclusive guarantees and assistance for all your trips in France or internationally (****). Perfect for approaching the summer holidays with complete peace of mind.
The issuance of Gold CB Mastercard cards is subject to prior acceptance by Fortuneo.
(**) offer subject to conditions (more details on the Fortuneo website)
(****) Discover the assistance and guarantees offered with the Gold CB Mastercard card This is content created by independent writers within the Humanoid xp entity. The Numerama editorial team did not participate in its creation. We are committed to our readers to ensure that this content is interesting, qualitative and corresponds to their interests.
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