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5mo ago

France Cuts Livret A Rate to 1.5% From February 1 as Inflation Eases

The change reflects cooling inflation alongside an upward deviation from the legal formula to preserve purchasing power.

[DENIS CHARLET / AFP]
Les épargnants vont connaître jeudi le nouveau taux du Livret A, applicable au 1er février, qui risque de baisser à nouveau, en raison du ralentissement de l'inflation
Le gouverneur de la Banque de France a proposé, jeudi 15 janvier 2026, d’abaisser le taux du livret A à 1,5 %. Photo d’illustration.
Pour de nombreux Français, épargner est un réflexe. Le livret A reste l'épargne la plus populaire avec 57 millions de comptes garnis de 7 500 euros en moyenne.

Overview

  • Economy minister Roland Lescure approved the Banque de France proposal, and the LEP rate for low-income savers is set at 2.5% from the same date.
  • The formula pointed to 1.4% for Livret A and about 1.9% for LEP, but authorities applied an upward rounding.
  • The adjustment follows INSEE data showing December inflation at about 0.8% year on year, and the new Livret A rate also applies to the LDDS.
  • Lower regulated rates reduce borrowing costs for social housing providers and ease banks’ funding costs.
  • Roughly 57 million accounts are affected, with some savers shifting to life insurance yielding around 2.6%–2.7%, marking the third cut in a year.