Live offers across tracked providers in France — updated daily from the Giraffy database.
20 live offers compared from 16 providers, from 2.70% brut. Updated daily.
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A fixed deposit — the compte à terme (CAT) or dépôt à terme — locks a sum of money away for a set period, from a few months to several years, in exchange for a guaranteed interest rate agreed at the outset. Unlike an instant-access livret, the money is committed for the term; withdrawing early usually means a reduced rate or a penalty. It suits savers who can set cash aside and want a known, guaranteed return.
Fixed deposits are offered by banks and, increasingly, through deposit marketplaces that aggregate rates from multiple European banks. Platforms like Raisin FR let French savers access term deposits from banks across the EU, all covered by national deposit guarantees. Domestic providers such as Distingo Bank, Fortuneo, BoursoBank, Caisse d'Epargne, Crédit du Nord, Cdiscount Banque and Crédit Mutuel also market compte à terme products, often with rates that step up the longer you commit. Some contracts offer a fixed rate for the whole term, others a progressive rate that rises each year to reward staying invested, and a few allow partial early exit at a reduced rate. Because term-deposit rates track the wider interest-rate environment, they became far more attractive after the European Central Bank raised rates, giving savers a guaranteed alternative to volatile markets.
Guaranteed rate — The return is fixed for the whole term, unaffected by later rate cuts.
Capital security — Balances are protected by the deposit guarantee, like a savings account.
Higher yield than livrets — Longer terms typically pay more than instant-access accounts.
Match the term to when you will need the money, since early exit erodes the return. Compare the gross rate, whether it is fixed or progressive (taux progressif), the minimum deposit, and the early-withdrawal conditions. Remember that interest is taxable — usually at the 30% flat tax — so compare the net return against a tax-free Livret A before committing.
Raisin FR aggregates competitive term deposits from banks across Europe under national guarantees. Distingo Bank, Fortuneo and BoursoBank offer strong online rates, while Caisse d'Epargne, Crédit du Nord, Cdiscount Banque and Crédit Mutuel provide compte à terme products through their networks.
Fixed deposits have no fee; the number that matters is the gross annual rate. This comparison shows rates from about 2.7% to 4.5%, generally rising with the length of the commitment. Because gains are taxed, the effective return is lower than the headline — factor the 30% flat tax when comparing against tax-exempt regulated savings. A gross 3.5% term deposit, for instance, yields roughly 2.45% after the flat tax, which may or may not beat a tax-free Livret A depending on the day's rates. Longer commitments and larger balances tend to earn the best rates, so the practical approach is to keep an accessible cushion in a livret and lock only money you are confident you will not need before the term ends.
Deposits are guaranteed up to €100,000 per person per bank — by the FGDR for French banks, or the equivalent national scheme for EU banks accessed via marketplaces — and banks are supervised by the ACPR. Terms must be disclosed clearly at signing, including the rate, term and early-exit rules. Spreading large sums across banks keeps each within the guarantee ceiling.
Can I withdraw early? — Usually yes, but with a reduced rate or penalty; the product is designed to be held to term.
Is the interest taxed? — Yes, typically at the 30% flat tax, unlike the tax-free Livret A.
Are foreign-bank deposits safe? — Those accessed through EU marketplaces are covered by the relevant national guarantee up to €100,000.
Giraffy tracks 5 fixed-rate deposit accounts across BoursoBank,La Banque Postale,Monabanq,Caisse d'Epargne,Crédit Mutuel banks in France. Sort by highest rate and compare term lengths to see which account suits your timeline.
A fixed-rate deposit (also called a fixed-term bond or term deposit) locks your money away for a set period — typically 3 months to 5 years — in exchange for a guaranteed interest rate. You agree the rate upfront, so rising or falling market rates don't change your return.
Yes — the FGDR (Fonds de Garantie des Dépôts et de Résolution) protects up to €100,000. Fixed deposits at ACPR-regulated institutions are typically among the lowest-risk savings options available. Rates are guaranteed; your principal and interest are protected up to the scheme limit.
Most fixed deposits penalise early withdrawal — typically forfeiting 30–180 days of interest, depending on the institution and term length. Some accounts don't allow withdrawal at all before maturity. Check the early-exit penalty before locking in a large sum.
Fixed deposits pay a higher rate in exchange for locking your money away for a defined term. Easy-access accounts let you withdraw any time but pay a lower variable rate. If you have a cash lump sum you won't need for 6–24 months, a fixed deposit typically earns more.
At maturity, most banks automatically roll your deposit into a new term at the prevailing rate — which may be higher or lower than your original deal. Set a diary reminder to review and re-compare rates before auto-renewal if you want to ensure you get the best rate available.
Fixed deposit rates are closely linked to the central bank's benchmark rate. When the ACPR (Autorité de Contrôle Prudentiel et de Résolution) raises rates, banks tend to offer higher deposit returns — and vice versa. Comparing regularly helps you catch rate rises before banks reduce their offers.