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Created July 27, 2012 09:28
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Savings Interest Rates - France
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tosy-savingsfrance.md

Interest Rates for Savings Account in France (Comptes et Livrets d'épargne en France)

Directives from Bank of France sets the following limits (Apr/2012)

  • 0.17% for flexible savings (savings with no restrictions on amount, duration, etc)
  • 2.28% for fixed term savings under 2 yrs
  • 3.15% for fixed term savings over 2 yrs

A few examples are taken from 3 example banks of France: Société Générale, BNP Paribas, HSBC France

Société Générale

Correct as of July/2012

  • Comptes à terme: flexible rates
  • Livret A: 2.25% for under 6000 EUR
  • Comptes sur livret (type "disponible"): 1.75% - flexible savings option
  • Epargne populaire: 2.75% for under 7700 EUR
  • Jeune (16-25 years old): 3.25% under 1600 EUR

BNP Paribas

Correct as of July/2012

  • "disponible" 1.50% flexible savings rates with option for increase to 1.75% if loyal customer
  • Livret A: 2.25% under 15300 EUR
  • Compte epargne: 1.50%
  • Jeune (16-25 years old): 3.25% under 1600 EUR

HSBC France

Correct as of July/2012. HSBC operates on two types of savings, as is shown by its double option on "Livret"

  • Assurance vie: 3.35% (Life savings)
  • Livret HSBC 2A has multiple rates: 2.00% for amounts under 15300 EUR, 2.30% for amounts between 15300 EUR and 30600 EUR, and 1.50% for amounts from 30600 EUR upwards
  • Livret A: 2.25% for amounts under 15300 EUR
  • Jeune: 3.25% for under 1600 EUR
  • Développement durable (ISA/no tax): 2.25% for under 6000 EUR
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