Live offers across tracked providers in France — updated daily from the Giraffy database.
38 live offers compared from 22 providers, from 2% AER. Updated daily.
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€10 /mois
10 € offerts par Distingo Bank (comptes d'épargne) dans la catégorie Banque. Offre mise à jour quotidiennement par Giraffy.
€10 /mois
Virement depuis Distingo Bank (comptes d'épargne) dans la section Banque. Offre en temps réel suivie quotidiennement par Giraffy.
€10 /mois
« Relevés et contrats ». Offre de Distingo Bank (Comptes d'épargne) dans la catégorie Banque. Offre mise à jour quotidiennement par Giraffy.
€32.50 /mois
Simulez votre épargne avec DISTINGO Bank de Distingo Bank (Comptes d'épargne) en Banque. Offre en direct suivie quotidiennement par Giraffy.
€32.50 /mois
32,5 € offerts par Distingo Bank (comptes d'épargne) dans la catégorie Banque. Offre mise à jour quotidiennement par Giraffy.
€80 /mois
Les produits d’épargne DISTINGO Bank de Distingo Bank (comptes d’épargne) dans la catégorie Banque. Offre en direct suivie quotidiennement par Giraffy.
€80 /mois
Le livret d’épargne de Distingo Bank (comptes d’épargne) dans la catégorie Banque. Offre en direct suivie quotidiennement par Giraffy.
€80 /mois
Plan de la banque Distingo (comptes d'épargne) dans la catégorie Services bancaires. Offre mise à jour quotidiennement par Giraffy.
€400 /mois
Préparez votre retraite avec Cashbee (comptes d'épargne) dans le secteur bancaire. Offre en direct suivie quotidiennement par Giraffy.
€400 /mois
400 € offerts par Cashbee (comptes d'épargne) dans la catégorie Banque. Offre mise à jour quotidiennement par Giraffy.
€500 /mois
Offre Cashbee Plan de Cashbee (Comptes d'épargne) dans la catégorie Banque. Offre mise à jour quotidiennement par Giraffy.
€500 /mois
Attention : offre Cashbee (comptes d’épargne) dans la catégorie Banque. Offre mise à jour quotidiennement par Giraffy.
Price on request
Price on request
Price on request
Savings accounts in France split into two families: state-regulated tax-free passbooks (livrets réglementés) such as the Livret A, LDDS and the means-tested LEP, and bank-set super livrets (livrets bancaires) that pay promotional rates but are taxable. All are instant-access and capital-guaranteed, making them the default home for an emergency fund or short-term cash before longer-term investment.
The regulated livrets are offered by all banks on identical, state-fixed terms: the Livret A rate is set by the government, its ceiling capped, and interest fully exempt from tax and social charges. For higher headline rates, online banks and savings specialists — Distingo Bank, Cashbee, Fortuneo, Renault Bank, BoursoBank and Cdiscount Banque, plus mutual networks like Banque Populaire and Caisse d'Epargne — market super livrets, often with a boosted introductory rate for a few months before reverting to a standard rate. Alongside the Livret A sit the LDDS (Livret de Développement Durable et Solidaire), which shares the Livret A rate and funds green and social projects, and the LEP (Livret d'Épargne Populaire), reserved for lower-income households and paying a higher, inflation-linked rate. Because regulated livrets are tax-free, their net return is often hard to beat, which is why savers usually fill them before turning to taxable alternatives.
Instant access — Funds are available on demand with no lock-in, unlike a fixed deposit.
Capital safety — Balances are guaranteed and, for regulated livrets, tax-free.
Promotional rates — Super livrets can beat the Livret A for a limited period with a boosted rate.
Fill tax-free regulated livrets first — the Livret A and LDDS — up to their ceilings, since their return is net of tax. For extra cash, compare super livrets on both the promotional rate and, crucially, the standard rate it drops to afterwards, plus any balance caps on the boosted rate. Check that interest is calculated on the standard quinzaine (fortnightly) basis.
Every bank offers the Livret A on identical terms. For super livrets, Distingo Bank, Cashbee, Fortuneo, Renault Bank, BoursoBank and Cdiscount Banque frequently top rate tables, while Banque Populaire and Caisse d'Epargne offer them through their branch networks.
Savings accounts have no fee; the relevant figure is the interest rate. The Livret A pays 1.50% from February to July 2026, tax-free, with a €22,950 ceiling, and is due for review in August. Super livret promotional rates can be higher but are taxed at the 30% flat rate and fall to a lower standard rate once the intro period ends. That tax point is decisive: a super livret advertising a gross rate above the Livret A can end up delivering less once the flat tax is deducted, so always compare net returns. The Livret A ceiling of €22,950 (and €12,000 on the LDDS) also caps how much you can shelter tax-free, which is why savers with larger balances then look to super livrets, fixed deposits or assurance-vie for the surplus.
Deposits are protected by the FGDR (Fonds de garantie des dépôts et de résolution) up to €100,000 per person per bank, and banks are supervised by the ACPR. Regulated livrets carry a state guarantee and standardised terms. The Livret A and LDDS partly fund social housing and the green transition via the Caisse des Dépôts.
Is the Livret A the best account? — Its tax-free status is hard to beat for accessible cash; super livrets can win short-term via promo rates but are taxed.
Can I have more than one Livret A? — No; each person may hold only one, up to the ceiling.
Are super livret rates guaranteed? — Only the promotional rate for its stated period; the standard rate can change.
Giraffy tracks 5 savings accounts across Renault Bank,bunq,Revolut,Caisse d'Epargne,Crédit Mutuel providers in France. Sort by highest rate and filter by account type (easy access vs. fixed) to find the best deal for your timeline.
Yes — the FGDR (Fonds de Garantie des Dépôts et de Résolution) protects up to €100,000. Always confirm your institution is ACPR-regulated before depositing. If your balance exceeds the protection limit, spread funds across multiple separately-licensed banks.
p.a. (per annum) is the standardised rate that accounts for how often interest is compounded over a year. It's the fairest number to compare across accounts — always compare like-for-like using p.a. rather than the gross or monthly rate.
Easy access accounts let you withdraw your money at any time — rates are variable and may change. Fixed-rate bonds or term deposits lock your money away for a set period (usually 1–5 years) at a guaranteed rate, which is typically higher. Choose fixed if you don't need the funds before the term ends.
Tax on savings interest varies by country and income level. Check your country's tax authority guidance or speak to a financial adviser if your interest income is significant.
Yes — and it can be a smart strategy. Spreading savings across banks maximises your deposit protection (€100,000 under the FGDR per institution) and lets you earn the best rate at each bank. Just keep track of all accounts to avoid losing money to dormancy fees.
Most easy access accounts transfer funds to a linked current account within one working day, and many process withdrawals the same day. Some accounts restrict the number of free withdrawals per month — check the terms before you open one if flexibility matters to you.