LThe French who avoided it might be led to reconsider their position. In September 2025, 2.71 billion euros have been withdrawn from booklet A and the sustainable development and solidarity booklet (LDDS, ex-Codevi). A record number that has not been observed for ten years.
Rebelote in October, when the French withdrew, this time, 3.81 billion euros more than they kept in savings accounts – the highest outflow since the start of official statistics, in 2009. However, livret A interest may be experiencing a resurgence. Although the remuneration rate fell to 1.7% in August – one of the factors in the lack of interest of the French – Livret A can still earn interest… For those who know how to meet certain deadlines.
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This is because the interest in booklet A is not calculated based on the day of investment, but per two weeks, namely starting from 1uh on the 15th of every month, then from the 16th to the last day. Therefore, the final interest calculation of 2025 will be carried out on Monday 16 December, underline our colleagues from Paris. In other words, the money was placed in this Livret A after December 15 at 23:59. will not count as interest in 2025.
It remains to be seen whether this information will be enough to bring the French public back to these regulated savings products. Because, with inflation slowing, it is not impossible that Livret A interest rates will fall again to 1.5% next February.
However, it’s worth remembering that the French remain restless and traditionally cautious. Their overall savings rate reached 19% of disposable income at the end of the year. In total, by 2025, savings in France will reach 6,000 billion euros.
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But this has also resulted in a change in their saving behavior: they are now increasingly turning to long-term investments, such as PEA and life insurance. In September, for example, France put 15 billion euros into its life insurance, an increase of 20% in one year.
The change in behavior is due in part to falling inflation and the prospect of higher profits. We can also link it to the recomposition of the French heritage, which is now divided between security – the A booklet remains dear to many of them – and performance.
