Livret A, LEP: 3 tips to maximize your interests in 2025

You have to prepare for it: the remuneration of your regulated savings accounts will drop in 2025. To avoid losing a single euro of interest, discover three tips to get the most out of your secure savings.

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The return of good habits? It’s no longer a secret, on February 1, 2025, the rate of your regulated savings accounts (Livret A, LDDS, LEP) will drop: 2.5% expected for the Livret A – against 3% today – and probably 3% for the LEP – against 4% currently. A fall which could be further accentuated during the second revision of the year – August 1, 2025 -, while in these latest expectations, the Bank of France foresees a return to inflation of 1.6% next year. This would strongly impact the remuneration of these booklets, partly or completely indexed to the increase in prices.

In this context, there is no longer any question of losing the slightest euro of interest on your precious savings accounts. To do this, you can apply a few tips that will help you maximize the return on your secure savings next year.

Always favor your most profitable booklet, to the detriment of others

To start, try to reach the ceiling of your highest-paying booklet. If you have a Livret A and a LEP, it is better to place the maximum on the second, even if it means stripping the first. Likewise, if you have a classic bank book or a super book, the net tax yield of Livret A will remain difficult to beat: if your ordinary book does not show a rate of at least 4.2% currently, or 3.6% after February 1, his remuneration after application of the 30% of the single flat tax (PFU or flat tax) will actually prove to be lower than that of your Livret A.

And for the lucky ones who will receive money at Christmas, act quickly: a Livret A filled to the ceiling can still earn you 57,375 euros interest only for the month of January. There is also still 33.33 euros of interest to be collected with a LEP with a ceiling of 10,000 euros for its last month at 4%. To earn the maximum interest in January, then afterwards, creating a budget may also be useful to you: you will thus only keep in your current account what is necessary for your current expenses for the month, to place the rest on your booklets.

Schedule your transfers so as not to miss a single fortnight

It remains to be seen whether there is a better time to make transfers to your Livret A, LDDS or LEP. The answer is yes. On these savings accounts, interest is calculated every 15 days (the 1st and 16th of each month). However, the sums invested generate interest only if they are placed for a full fortnight. Therefore, it is recommended to make your payments on the eve of the start of a new fortnight: 30th or 31st – to be sure that the funds are displayed on the 1st of the following month on the booklet – or the 14th or 15thso that your payment generates interest over the following fortnight.

Last tip, to be sure not to miss a fortnight, remember to schedule your payments. You can automate a transfer from your banking application, or your customer area, for example on the 30th or 14th of each month, or both! As a bonus, in addition to not missing any fortnight, you will no longer have to think about saving, which avoids having nothing to put aside once all the expenses for the month have passed.