Open a second booklet A in another bank to continue depositing beyond the limit of 22,950 euros ? The question comes up regularly among savers once this limit is reached. However, the answer is clear: although the idea is attractive, in France, it is prohibited to hold several Livret A books in your name, regardless of the establishment chosen. A strict rule which still surprises some French people when they want to increase their regulated savings capacity.
This preconceived idea persists while the booklet A remains one of the favorite investments of the French. At the end of 2025, savers still held 58 millionfor a record outstanding amount of 449.6 billion eurosaccording to the Caisse des Dépôts relayed by MoneyVox. Its success is based on its simplicity: savings available at any time, guaranteed by the State and exempt from tax. Since the February 1, 2026its rate is set at 1.5% net of tax, which maintains its attractiveness.
The ceiling can be exceeded, but only thanks to interest
This is also what sometimes maintains the received idea: a booklet A may display an amount greater than the ceiling of 22,950 euros. Seeing this excess, some savers think that it would also be possible to open a second savings account in another bank to continue to increase their regulated savings.
In reality, the excess is only authorized thanks to the interest paid each year. The ceiling only concerns payments made by the holder. Once the limit is reached, it is therefore no longer possible to fund the account, but interest continues to be credited automatically and can increase the balance beyond the ceiling without any irregularity.
The check is now automatic before any opening
In fact, the bank advisor generally asks the client if he already has a booklet A in another establishment. But this statement is not enough. Since 2013, each opening must also be verified with the tax administration before validation. If another account is already registered, the opening is blocked until regularization. This confusion continues to circulate on the internet.
In reality, the French rule is simple: a single person can only hold one A booklet at a timeregardless of the bank chosen. In a couple with a joint account, however, each can open their own booklet A in his name. In the same way, a minor child can hold his own, opened by his legal representatives. “ Some customers still think that changing banks allows them to reopen one, but control is now immediate “, underlines Victor Bernard, independent wealth management advisor and former banker.
What solutions when booklet A is full?
When the booklet A is saturatedother solutions can take over. The LDDS, which can be combined with the A booklet, still allows you to place up to 12,000 euros with the same remuneration. THE THE Psubject to income conditions, also remains an option for eligible households. Beyond that, some savers turn tolife insurancewhich does not provide for any payment ceiling. It does not offer the same availability as a regulated savings account and its taxation differs, but it can allow you to diversify your savings once the precautionary pocket has been set up.
After 8 years oldthe winnings withdrawn benefit from an annual reduction of 4,600 euros for a single person or 9,200 euros for a married or civil partnership couple subject to joint taxation. “ The Livret A account often remains the first step in precautionary savings. Then, customers complete according to their horizon and their need for availability. Life insurance also allows you to think more broadly about transmission, with the possibility of designating one or more beneficiaries according to your financial objectives. », observes Victor Bernard. In short: it is entirely possible to increase your available savings… but not by multiplying Livret A accounts.
