Even if it was expected, this remains a hard blow for tens of millions of French savers: Éric Lombard, the new Minister of the Economy, confirmed this Monday at the microphone of France Inter an upcoming drop in the rate of remuneration of booklet A, expected “around 2.5%”.
This revision, scheduled for February 1, 2025, marks a break after a period where this savings product had a rate frozen for 18 months and historically high at 3%.
“The Livret A rate will fall, but inflation has fallen sharply, so it allows real wealth to increase and savings are protected”he justified on public radio. As a reminder, with nearly 60 million holders in France, the Livret A plays a key role in financing social housing and public infrastructure at the local level.
But what does this drop in remuneration for the French's favorite investment mean? Concretely, this half point can represent a few tens of euros according to the calculations carried out by Thanks for the info.
Thus, in 2024, the average outstanding amount of a livret A in France amounted to €7,000, according to data from the Banque de France. With a rate of 3% in January and 2.5% from February 1, the cumulative interest on the investment will amount to nearly €178 on January 1, 2026, compared to €210 if the rate had remained at 3%. . That’s an average loss of €32 over the year, for millions of French savers.
Details on the exact rate of the livret A and the LDDS will be revealed at the end of January, following discussions between the Banque de France and the government.
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