Livret A, LEP, PEL: the returns on your savings accounts from February 1, 2025

Are you wondering which savings accounts to place your savings in this year? Here are details of the returns on capital-guaranteed savings accounts, from February 1st.

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Savers are finally settled. The new Minister of Economy and Finance, Eric Lombard, formalized, on Wednesday January 15, the new rates for regulated savings accounts from February 1, 2025. Namely the Livret A, and the Livret d’épargne populaire (LEP) . The Sustainable and Solidarity Development Booklet (LDDS) is always equivalent to that of the Booklet A, and the rate of housing savings account (CEL) is also calculated based on the latter. The rate of the housing savings plan (PEL) in force this year was already known since January 1st. With this complete table, you can now compare the remuneration of these different investments which, for the most interesting of them, should well protect your savings from expected inflation at 1.5% on average over the year 2025.

LEP: new boost despite a drop from 4% to 3.5%

Once again good news for the 11.8 million LEP holders. With the slowdown in inflation, the rate of this booklet reserved for modest savers was logically expected to fall, and could have fallen, taking into account the rate of the Booklet A, to 2.9%. Finally, as with the last three revisions, LEP remuneration will benefit from a new boost from February 1. It will be displayed at 3.5%down only 0.5%. A return still much higher than inflation measured at 1.3% in December.

To savers who have set aside 6,500 euros – the average amount held in this savings account – the LEP will pay 113.75 euros in interest from February 1 to August 1, 2025, the date of its next revision. And for half of its holders who have already reached the ceiling of 10,000 euros, the interest will amount to 175 euros over the same period.

Livret A: a rate which falls from 3% to 2.4%

For Livret A, the time has come to thaw. Its 57 million holders may have forgotten it, but the rate of their preferred investment changes in principle twice a year. Except that this had no longer been the case since August 1, 2023, the date on which its rate was frozen at 3% for a period of a year and a half. Unlike the LEP, the Minister of the Economy – in accordance with the recommendation of the Governor of the Bank of France – has decided to strictly apply the calculation rule which, given the decline in inflation, will cause the rate to fall from Booklet A to 2.4% from February 1. A return, which, over the next six months, will nevertheless still be higher than inflation.

At the level of its average outstanding amount (7,000 euros), the Livret A will therefore bring in 84 euros by August 1, or 14 euros per month. For savers who have reached the ceiling of 22,950 euros, the operation will be more successful, with 275.40 euros accumulated until August 1 (45.90 euros per month).

LDDS: a yield of 2.4% identical to that of Livret A

No surprise for the Sustainable and Solidarity Development Booklet (LDDS), the rate of the latter is in fact always equal to that of the Livret A. Thus, its 25 million holders will benefit from a rate of 2.4% up to on August 1, 2025. At the average outstanding level, 5,800 euros, interest amounts to 69.60 euros between February 1 and August 1 of this year (11.60 euros per month) and 144 euros over the same period (24 euros per month) for savers who have reached the LDDS ceiling of 12,000 euros.

PEL and CEL: two products that will not beat inflation

Finally, the rates for the housing savings plan (PEL) and the housing savings account (CEL) – two savings products intended to facilitate obtaining a property loan – are also both known. Savers who choose to open a PEL in 2025 will benefit from remuneration of 1.75%in force since January 1. But be careful, unlike Livret A, LDDS or LEP, the interest on a PEL is now subject to the single flat-rate levy (PFU, or “flat-tax”) of 30%, which gives a net tax rate of 1.225% .

For its part, the CEL rate corresponds to two thirds of that of Livret A. The latter being 2.4%, the remuneration of new CELs opened until August 1 – date of revision of Livret A – will therefore be 1.6%. However, just like the PEL, the interest is also subject to the PFU, which gives a net rate of 1.12%. Two products, which, unlike booklets, should not beat inflation this year.