BforBank: no one says it but this 3.5% savings account is surely the best alternative to the Livret A
Is your Livret A full, or is its 1.7% leaving you wanting more? BforBank is raising its Bfor+ savings account to 3.5% gross for twelve months, a promotion reserved for new customers until December 3.
The Bfor+ Livret is a passbook account: the bank itself sets the rate, while the State decides on the rate for the Livret A. Unlike other savings plans, this account leaves your money available at any time, without risk of loss of capital. For any first opening before December 3, 2026, BforBank pays this savings account at 3.5% gross annually for 12 months (then 1.5% gross at the standard rate).
The offer covers the first 300,000 euros deposited. Note that interest is taxable: after the flat rate deduction of 31.4% (in force in 2026), this return is around 2.4% net. It still exceeds the net 1.7% of Livret A, on amounts well above its ceiling of 22,950 euros.
A fee-free BforBank savings account, which can be managed from your phone From opening the account to payments, including withdrawals or account maintenance, BforBank does not charge any fees on this booklet. You start with 10 euros, then you pay at your own pace. The app allows you to deposit or withdraw money in one click, 24 hours a day.
The mechanic announces an unexpected bill on a Saturday evening? The washing machine breaks down in the middle of doing laundry? No need to pay fees or provide justification to the bank to recover your precautionary savings.
You can also open several booklets and name them by project: vacation, taxes or wedding. The opening is done in the app and allows you to organize your savings according to your different needs. Online bank of the Crédit Agricole group, BforBank received the Excellence Savings 2026 Label for this booklet.
Interest is calculated fortnightly and credited every December 31. Finally, like any bank deposit in France, your payments are covered up to 100,000 euros by the Deposit Guarantee and Resolution Fund. Click here to take advantage of the offer on the BforBank Bfor+ savings account *See all conditions on the BforBank website Warning: Investment involves risks, in particular loss of capital.
The information provided does not constitute investment advice. Past performance is no guarantee of future performance. Before making any decision, make sure that the product or asset in question corresponds to your situation and your risk tolerance.
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- BFM Business7 Nov, 05:54
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