It's a day that many savers have been waiting for. Every year on December 31, banks calculate the amount of interest generated by the various regulated savings accounts held by their customers.
Livret A, sustainable and solidarity development booklet (LDDS), popular savings booklet (LEP) or even youth booklet, many French people are affected by these amounts paid.
Between December 31 and January 4
But they will appear on different dates depending on your banking establishment. So, as indicated BFM Businessthe amount of your interest should be visible from December 31 for customers of Crédit Agricole, Caisse d'Epargne, Crédit Mutuel, CIC and Banque Populaire, as was the case in 2023.
If you are in another establishment, you will have to be a little more patient and wait until 2025. Customers of the Postal Bank and the Fortuneo online bank will see the amount arrive on their statement on 1is January, those of BNP Paribas and BoursoBank will have to wait until January 2. You will have to wait until January 4 for those who have purchased their savings accounts from Société Générale or LCL.
How much to expect?
If the amount of interest varies depending on the amount deposited in the booklet, it will be on average 212 euros on average for Livret A holders, whose average amount reaches 7,077 euros, with a remuneration rate of 3%. If you have reached the Livret A ceiling – at 22,950 euros – you should expect to receive 688.50 euros according to our colleagues at BFM.
The LDDS also benefits from a rate of 3% in 2024, you will receive 360 euros if you have reached the ceiling of 12,000 euros. On average, holders of this booklet should receive 174 euros this year.
The popular savings account (LEP), reserved for the most modest, has a remuneration rate of 4%. If you have reached its ceiling of 10,000 euros, you will receive 400 euros. On average, French people with a LEP will receive 263 euros in interest.
Rates cut in 2025
These interests should partly be lower in a year. Indeed, the rate of the Livret A and the LDDS should be revised downwards, to around 2.5%, from 1is February 2025. The LEP remuneration rate could rise from 4 to 3%. Enough to make thrifty people lose a few dozen euros.
