Livret A, LEP, PEL: how much interest will you receive with your savings accounts on January 1, 2025 ?

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Every year, on January 1st, banks pay interest on savings accounts. French people who have filled out their Livret A, LDDS, LEP or PEL will therefore be rewarded for their efforts on January 1st, 2025. But how much will they receive ? And which savings accounts are the most profitable ? A quick overview.

The Livret A and the LDDS: safe bets

With a stable rate of 3% maintained throughout 2024, the Livret A and its twin the LDDS have not made any waves. However, they remain investments of choice for the French, who have massively invested their savings in them.

So how much will you receive on January 1, 2025 if you have saved in one of these two savings accounts ? The calculations are simple: for 1,000 euros invested, you will receive 30 euros in interest.If you are in the national average with 7,000 euros in savings, you will receive the tidy sum of 210 euros. The most provident, who have reached the ceiling of 22,950 euros, will pocket 688.50 euros.

The cherry on the cake: even if you have reached the ceiling, your interest will be capitalized. In short, they will be added to your capital and will themselves produce interest the following year. A godsend for the 4.3 million French people who have a Livret A at the ceiling. Even so!

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The LEP: the all-category champion (despite the decline)

The Livret d'Épargne Populaire remains the most generous investment of 2024, even if it has experienced some turbulence. Its rate has been a roller coaster: 6% in January, 5% in February, then 4% since August.

Concretely, for 1,000 euros saved over the entire year, you will receive 47.29 euros in interest. If you have invested the average outstanding amount of 6,500 euros, prepare yourself to receive 307.41 euros. And for the luckiest ones who have reached the ceiling of 10,000 euros, you will receive 472.94 euros. Not bad at all!

PEL and CEL: the poor relations of savings

The PEL (Housing Savings Plan) and the CEL (Housing Savings Account) are looking gloomy in 2024. The fault is the single flat-rate deduction of 30% that is eating into their yield. The PEL has a nominal rate of 2.25% that is melting like snow in the sun to reach 1.58% net. The CEL does even less well with a meager 1.4% net.

For 1,000 euros invested, expect 15.80 euros of interest on a PEL and 14 euros on a CEL.The only consolation for the PEL: its high ceiling of 61,200 euros allows the biggest savers to pocket up to 966.96 euros in net interest.

• The Livret A and the LDDS yield 3% in 2024, or 688.50 euros at the ceiling
• The LEP remains the champion with rates between 6% and 4%, offering up to 472.94 euros at the ceiling
• The PEL and the CEL disappoint with net returns of 1.58% and 1.4% respectively

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