What if you were eligible for the best market savings book? With its 2.7% rate – one more point than booklet A -, the popular savings book (LEP) is still “The most advantageous product of regulated savings”as the Banque de France recently recalled. However, this placement is not accessible to all savers: it is reserved for households with modest income. However, among these, many are entitled to it without having subscribed to it. According to the latest data from the Banque de France, 7 million eligible savers do not yet benefit.
However, there is a very simple way to verify its eligibility, thanks to a document which was sent very recently by the tax administration: your tax opinion 2025. Indeed, the latter was filed in your particular space on taxes.gouv.fr, between July 25 and August 1, 2025. For taxpayers who have opted for paper format, “Revenue tax notices will be given to the Post Office in August 2025”specifies the tax administration. To consult it online, go to the “dashboard” of your personal space, in the “My events” section. You can also get all your tax notices in the “My Documents” tab.
Consult your reference tax income to find out if you are entitled to LEP
Among the information contained in this document, in addition to the amount of a possible reimbursement on the part of the taxman, you will find, at the bottom of the first page, your reference tax income (RFR), which therefore corresponds to your income of the year 2024. However, it is this amount which allows you to know whether or not you are eligible for the LEP. To open a LEP this year, your RFR must not exceed a certain level, fixed according to the composition of your tax household. For example, a single person’s income must not exceed 22,822,542 euros. For a family made up of a married or PACS couple and two children (3 tax shares), the RFR not to be exceeded is 47 201.61 euros.
If your RFR is well below these ceilings, you can have this tax notice to request the opening of a LEP from your bank. Your tax notice will then serve you as proof. But that is not always necessary. Indeed, banks now have the possibility of verifying your eligibility for LEP directly to the tax administration, at your request. Finally, remember that if you declare your income for two, you can open two LEPs, one for each of the two declarants.
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