Qui says new year also says new changes. Meal vouchers, RSA, unemployment, retirement pension… Many sectors are already experiencing some changes today. And banks are no exception to the rule. Here are the new features of 1is January in banking matters.
External instant transfers now free
The measure was originally expected by mid-2025. But she arrived early: since the 1is January, external instant transfers don’t cost you a cent. This service allows the beneficiary of a transfer to receive the funds transmitted within a few seconds. Previously, two solutions were offered: a classic transfer (in two or three working days) free of charge, or an instant transfer for a few euros.
ALSO READ Free online banking: how to avoid hidden feesThis measure was voted on in February 2024 in the European Parliament. The Council of the EU approved the application of this system throughout the Old Continent. Thing done, therefore, in France. Enough to increase the number of instant transfers, which in 2024 represented only 11% of total transfers in euros in the European Union.
Your interest payment is coming
If Santa Claus dropped off presents on December 25, the banks will have waited until the start of the year to offer their “gifts”. In this case, the payment of interest on the Livret A, the Sustainable and Solidarity Development Livret (LDDS) and the Popular Savings Livret (LEP). Because if they generate interest every month, they are only paid once a year. The date of payments depends on the banks.
According to MoneyVox, several banks have already paid the interest, which appears on their customers’ online statements. This is the case for Crédit Agricole or the CIC group on December 31. The Postal Bank also paid its interest on 1is January, just like Fortuneo.
ALSO READ 141 more billionaires in the world in 2024BNP Paribas or BoursoBank customers will receive their savings this Thursday, January 2 (first working day of the year). At the back of the pack are Société Générale and LCL, which have communicated the date of January 4. Concerning life insurance, savers must wait until mid-January, or even February, to know the return on their contract for the year 2024. Even if the payment arrives in February, the value date remains fixed at December 31 of the past year.
These savings accounts whose interest rate is falling
To Discover
Kangaroo of the day
Answer
If we know the date of payment of interest on savings accounts, the evolution of their rate is also known. Fixed at 3% since February 2023, the Livret A rate is maintained at a minimum until February. Same thing for the sustainable and solidarity development booklet (LDDS), set at 3% and which will remain there until February. Other rates, such as that of the youth savings account, are decided freely by the banks
ALSO READ Taxation: the good and bad news of the special finance lawBut two savings accounts will see their rates drop. The housing savings plan (PEL), whose interest rate is fixed when the account is opened, has continued to increase, going from 1% for PELs opened before 2022 to 2.25 in 2024. For 2025 , the figure is revised downwards: it is now 1.75%. The rate of the popular savings account, for its part, is set at 4% until January 31. Between February and July 2024, it was 5%. Will the decline be confirmed at the end of the month?
