VIDEO – 3 questions about the popular savings account, an alternative to the A account

DECRYPT – For the first time since 2011, the rate of The interest of the booklet A will increase, announced this Friday Bruno Le Maire. As a direct consequence, the popular savings account (LEP), still relatively unknown, will also become even more profitable.

MG | TF1 report F.Chadeau, T.Leproux, D.Salmon – 2022-01-11T24: 25: 56.640+: 000 A savings alternative. With inflation expected at 2.8%, the French are looking for long-term sustainable mechanisms to maintain their purchasing power. The popular savings account (LEP) could be the beginning of a solution. Concomitantly with the booklet A, he will see his interest rate increase on February 1 2022, announced this Friday Bruno Le Maire on TF1.

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What is the THE P ?

The popular savings account (LEP) is a guaranteed and tax-exempt investment. Its interest rate, higher than that of the livret A, is

the highest figure between the rate of the livret A increased by 0.5% and the average inflation observed over the last six months. Very safe, this investment makes it possible to protect the funds of savers with the most modest incomes. The opening procedures were simplified by a decree published in March 2022.

What are the differences with booklet A?

The LEP is a product relatively similar to livret A, except that its interest rate is higher. Until then by 1%, it will be raised from February 1, Bruno Le Maire announced this Friday. Thus the rate should exceed the 2% threshold, to stand at 2.2%. Also, deposits are limited to 3605 euros (interest paid by the bank is not included in this total).

Who can benefit ?

The LEP is reserved for people whose tax domicile is in France. However, not everyone is eligible. It is reserved for households with low incomes. Thus, to open an account on LEP in 2022, the tax income for the year 2020 (appearing on the tax notice of 2011) must not exceed the 17.296 euros for a single person, i.e. approximately 1691 euros per month. This ceiling is increased to 31.114 euros for a household with two tax shares. Note that there cannot be more than two LEPs in the same tax household.

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Despite its strong appeal on paper, LEP still suffers from a certain lack of notoriety: near 48 % of French people who would be eligible for it do not have it. Today, 7 million households have an LEP out of about 11 million who fulfill the conditions, indicates the Banque de France.

But then why such a discrepancy? “It is time-consuming, time-consuming for banks to manage. So they don’t necessarily offer it”, explains Caroline Ménager, co-founder of Pix Pay. “Today, populations eligible are not necessarily those that most interest banks.”MG | TF1 report F.Chadeau, T.Leproux, D.Salmon

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