Savings: The Livret A ceiling will be increased to (perhaps) 30,000 euros, announces Lecornu

Good news for savers. Sébastien Lecornu announced, this Tuesday before the deputies, the increase, in February 2027, of the Livret A ceiling. It will be established in a range comprised “between 25.

000 and 30,000 euros”, compared to 22,950 euros currently.

This is in order to finance (in particular) the climate change adaptation plan. And, other good news (but this is mechanical, since the Livret A rate follows, in part, the inflation curve), its remuneration rate, currently 1.7%, will also increase. Finance Minister Roland Lescure will specify the new ceiling “in the coming weeks” following a “final consultation” with the banks and the Caisse des Dépôts, he said.

This booklet “historically made it possible to finance social housing” but the government wanted to move forward with mobilizing these funds for new nuclear reactors. Then “go further, in particular to finance the plan and the program for adapting to climate change for public buildings and infrastructure”. Lecornu was responding to a question from the leader of the Liot deputies (Libertés, independents, overseas and territories), Christophe Naegelen, who called for the launch of a large national loan.

This increase in the Livret A aims to “mobilize the savings of the French” through the “best known” savings tool and which “offers liquidity”, explains Matignon. The funds deposited in Livret A also finance electricity networks, water networks, or even “the renovation of high schools and colleges”, one of the demands of the high school movement. Savers further drew from their Livret A accounts in September, more than they filled them, according to data published on October 22 by the Caisse des Dépôts, despite a slightly improved rate of return since August.

The French thus withdrew 1.52 billion euros more than they deposited. Regulated investment On Monday, a collective bringing together left-wing elected officials and community and trade union organizations demanded the withdrawal of the government system providing for mobilizing regulated savings to finance new nuclear reactors, fearing that it would weaken the financing of social housing. The Livret A, like the Sustainable and Solidarity Development Livret, is one of the so-called regulated savings products.

The funds placed there by savers earn 1.7% interest. A regulated savings product is a bank investment whose operating conditions are not set by the bank which offers it, but by the State and the public authorities.

Machine-translated from French