There was a time when the booklet proudly tried in the French wallets. Untouchable, essential, almost sacred. But the summer of 2025 promises to be tough for this figurehead of popular savings. While its rate is promised to fall at 1.7 % from August 1, the signals are red. In the shadows, another booklet tries to save the furniture: LEP. At the crossroads, young people, modest households and prudent savers scrutinize the slightest thrill of yield.
In short
- The booklet will drop to 1.7 % from August 2025.
- The LEP could remain stable at 3 %, according to the Banque de France.
- Young people are turning to new products, such as PEAC.
- A rumor evokes a freezing of the accounts exceeding 23,500 euros.
Booklet A, the great disillusionment of French savers
Just open a bank statement to measure the slap: after falling from 3 % to 2.4 % in February, Booklet A could drop to 1.7 % on August 1 and impact your savings. No suspense breathing here: the mechanics of the official formulaas icy as an Excel leaf, applies A cocktail of € 2.43 %) and inflation rate (0.97 %). Result: savers are preparing to say goodbye to nearly 70 euros of annual interest For a booklet filled to the brim.
And the hemorrhage is clearly visible. In March, Deposits have only exceeded withdrawals of 400 million eurosunheard of since 2016. Meanwhile, funds in life insurance and new climate savings plans take over. Even the Sustainable development booklet (LDDS) done better, with a net collection of 610 million euros. A signal? Rather an alarm.
On x, @tony_fbr_invest sums up the situation:
The rate of booklet A should drop by 2.4 % to 1.7 % in 08/2025. LEP could be 3.5%that of the LEP. To follow.
The LEP, the last bastion for modest households?
In this slump, the Popular savings book (LEP) appears as a shield. Reserved for modest households, He still paid 3.5 % in early 2025. An almost heroic performance in a landscape of yields at half mast. Admittedly, if the formula was applied mechanically, The rate would fall to 2.2 %. But the governor of the Banque de France already used his joker in February, arguing that it was necessary ” maintain a significant gap with the booklet A ».
Two scenarios Dominate: a rate maintained at 3 % (for a difference of 1.3 points) or a plan B at 2.5 %. Everything will depend on the political will to support the most vulnerable. With 82.8 billion euros in outstandingthe LEP remains the choice of heart (and reason) for those who do not drive on gold, but want to make some savings grow without fear of the stock market or bitcoin.
The dilemma Is there: budgetary consistency or protection of purchasing power? The Banque de France has until July to decide.
A sacrificed generation? Young and small savers are looking for a way out
The booklet A, who is an alternative to bitcoin to finance the French nuclear parkit is also a family tradition : We open it at birth, we drop the Granny's Entrennes. But for those under 21, the wind turns. BPCE now markets the Avenir Climate (PEAC) savings plan (PEAC)intended to finance green projects. A marketing gadget or a real alternative? For the moment, the product remains confidential.
It is the favorite placement of the French, but it is not a good investment!
Mounir Laggoune – CEO of Finary
Meanwhile, the small savers – those who do not read the reports of the ECB, but monitor each euro – see their purchasing power erode. CEL (Housing Savings Account) only offers 0.88 % neta tax alms.
And a persistent rumor agitates the canvas: From April 28, booklets exceeding 23,500 euros could be frozen without proof of income. Information relayed by @mia79663222, activist on X, and which ices more than one holder.
A fall at 1.7 % of the booklet A, young disillusioned, modest households hanging on their LEP: French savings crosses a moment of truth. While the stock markets piled in, gold and bitcoin fly away. And if the real refuge, ultimately, was no longer to look for in the accounts of the Caisse des Dépôts, but elsewhere? Is it time to turn to the DEFI to invest better?
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