Livret A: Rate Change from February 1, 2026
From February 1, 2026, the interest rate for the Livret A savings account may decrease. Authorities are considering revising the calculation method to align it more closely with market rates.
Impact on Savings of €5,000 and €10,000
Savers with €5,000 or €10,000 in Livret A accounts should assess how this possible rate drop could affect their returns and financial plans.
Current vs. Proposed Calculation Methods
The current formula combines inflation and money market rates to set the interest. The proposed method would place a heavier emphasis on market rates, reducing the cushioning effect of inflation on interest rates when inflation declines.
Goals of the New Formula
- Align savings returns with real economic conditions.
- Ensure continued financing of social housing at a controlled cost.
- Balance protecting purchasing power with maintaining affordable social credits.
Key Points from Officials
The stated aim is to bring the return on savings closer to market conditions, without destabilizing households. According to the discussions, the new approach would take greater account of short-term rates. This would reduce the protective effect of inflation during the downturn. In addition, a floor could be maintained as a benchmark of stability.
About Livret A
The Livret A remains widely used, offering a maximum deposit limit of €22,950. However, its interest rate depends on government decisions balancing economic and social priorities.
Author's summary: The upcoming Livret A rate change aims to better reflect market realities while ensuring social goals and protecting savers from significant volatility.
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