Livret A, LEP, LDDS 2026: New Rates and Income Thresholds

Regulated savings rates in 2026

In 2026, regulated savings account rates have been adjusted to reflect the economic environment. Here's what you need to know to optimize your savings. Explore our banking section for comprehensive financial guidance.

Rates in effect

Savings product	Rate	Ceiling
Livret A	1.5%	€22,950
LDDS	1.5%	€12,000
LEP	4%	€10,000
Livret Jeune	Up to 2%	€1,600
CEL	1.5%	€15,300

When are rates revised?

Regulated savings rates are revised twice a year:

**February 1**: Main revision
**August 1**: Adjustment if needed

The Banque de France calculates the recommended rate based on inflation and money market rates.

LEP: the best regulated rate

The Livret d'Épargne Populaire (LEP) offers 4% in 2026, the best regulated rate. But it's subject to income conditions.

LEP eligibility (2026 income thresholds)

Tax household	Income ceiling
1 share	€22,419
1.5 shares	€28,406
2 shares	€34,393
2.5 shares	€40,380
3 shares	€46,367
Each additional half-share	+€5,987

Reference tax income for 2024 (to be declared in 2025)

How to open a LEP?

Check your eligibility (tax notice)
Contact your bank
Provide your tax notice
Make your first deposit (€30 minimum)

Maintaining eligibility

Your eligibility is checked annually. If you exceed thresholds, you have until the end of the year to use your LEP, then it's closed.

Livret A: the essential

The Livret A remains the reference savings product for the French, despite its modest rate.

Advantages

Tax-free: No taxation on interest

Liquid: Withdraw at any time

Guaranteed: Capital guaranteed by the State

Accessible: One per person, including minors

Strategy

Fill your Livret A first up to its €22,950 ceiling before considering other investments.

LDDS: complementary savings

The Livret de Développement Durable et Solidaire (LDDS) works like the Livret A but finances sustainable projects.

Key points

Same 1.5% rate
€12,000 ceiling
Tax-free
One per taxpayer

Use

Use it as a complement to your Livret A if you've reached the ceiling.

Savings optimization strategy

Priority 1: LEP (if eligible)

With 4% tax-free, it's the best guaranteed yield. Fill it first.

Priority 2: Livret A

Safe, liquid, and tax-free. Essential savings.

Priority 3: LDDS

Same benefits as Livret A, for additional savings.

Priority 4: Euro funds life insurance

For excess savings, around 2.5% yield in 2026. Learn more about life insurance investments.

Priority 5: Diversified investment

Securities accounts, PEA, real estate for long-term horizons.

Tips to maximize interest

Deposit at the start of the fortnight

Interest is calculated per fortnight. A deposit on the 1st or 16th of the month maximizes your earnings.

Withdraw at the end of the fortnight

Withdraw on the 14th or 30th/31st to keep interest for the full fortnight.

Avoid round trips

Constant deposits/withdrawals reduce cumulative interest.

Fill LEP first

The 4% rate is 2.5 points higher than other regulated savings products.

Frequently Asked Questions

Can I have multiple Livret A?

No, one per person. Having multiple is illegal and leads to tax regularization.

Are regulated savings rates going to increase?

It depends on inflation and market rates. The Banque de France decides.

Is life insurance better than Livret A?

For long-term (8+ years), life insurance offers tax advantages and potentially higher yields. For available savings, Livret A remains more practical.

How do I know my LEP eligibility?

Check your reference tax income on your tax notice. Compare to thresholds for your tax household.

Can I open a LEP online?

Most banks now allow online LEP opening with simplified document upload.

Sources and References

The information provided in this article is for guidance only. Rates and conditions may change; check with your bank for current terms.