Confirmed blow for savers. From Friday August 1, 2025, the remuneration of their secure investments will considerably crumble. A drop in return acted by a decree published in the Official Journal this Thursday, July 31. Livret ASustainable and Solidarity Development Booklet (LDDS), Popular Savings Booklet (LEP), Housing Savings Accounts (CEL) … All interest rates of regulated savings booklets are displayed in net withdrawal compared to those in force since February 1, 2025.
This decline is not surprised, since the yields of these guaranteed capital products are partly or completely indexed to inflation. For LEP for example, the remuneration offered is none other than the average price of prices excluding tobacco on the elapsed semester. For booklet A or LDDS, this inflation is also taken into account, as are interbank rates (to which banks are exchanged for money). These two indicators being clearly withdraw from one semester on the other, the yields of your savings logically follow the same trajectory.
1.7% for booklet A and LDDS
With inflation excluding tobacco less than 0.9% on average between January and June 2025 and interbank rates just over 2.4% over the same period, the remuneration of the booklet A fell from 2.4% to 1.7% ((2.4% + 0.9%) / 2) on August 1. A drop in yield of 0.7 points which will affect no less than 56 million holders. Translation: with a booklet has filled in the ceiling of 22,950 euros, an holder will only receive 32.5 euros in monthly interest, compared to 45.9 euros before. For a net loss of 13.4 euros per month. Same sanction for holders of a Lddswhose rate is strictly identical to that of booklet A.
2.7% for the popular savings book (LEP)
The fall could have been even more brutal for the rate of the popular savings book (THE P), supposed to be equal to inflation outside tobacco on the past semester. A yield that could therefore have diving 0.9%. Fortunately, LEP’s remuneration cannot be lower than that of the booklet has increased by half a point, or 2.2% (1.7% + 0.5%). Finally, thanks to a new boost granted to this booklet – Bercy and the Banque de France having decided to derogate from the regulatory formula in this area “In order to limit the drop in rate of this booklet reserved for the most modest households” -, its yield goes from 3.5% to 2.7%.
1.25% gross for a housing savings account (CEL)
Finally, for holders of a housing savings account (Cel), it is also the grimace soup. While the gross remuneration of this placement was already at a 1.5% gross floor (before application of the Flat tax of 30%) Since February 1, it has still won, 1.25%, on August 1. As a reminder, “The rate of housing savings accounts is equal to two thirds of the rate of booklets A, rounded up to the nearest quarter or failing this in the upper quarter”underlines a decree of January 27, 2021 relating to the interest rates of regulated savings products. Net of tax and social security contributions, the yield of the CEL thus falls to 0.88%.
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