Compare Savings Accounts in France

Compare savings accounts in France.

38 live savings accounts offers tracked across 22 French providers, with rates from 2% AER. Data current as of 23 October 2026 and updated daily from the Giraffy database.

Live offers

38 live offers compared from 22 providers, from 2% AER. Updated daily.

Zesto by Renault Bank Renault Bank

2% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 2.00% (no time limit)
  • Account Type: Bank livret
  • Access / Term: Instant access
  • Balance Limits: Up to EUR 10,000,000

bunq Livret bunq

2.01% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 2.01%
  • Account Type: Digital bank savings
  • Access / Term: Instant access
  • Balance Limits: Up to EUR 100,000

Revolut Compte Remunere Revolut

2.25% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: Up to 2.25%
  • Account Type: Flexible savings
  • Access / Term: Instant access
  • Balance Limits: Up to EUR 5,000,000

Caisse d'Epargne Livret A Caisse d'Epargne

3% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 3.00%
  • Account Type: Savings
  • Access / Term: Instant
  • Balance Limits: €500 min

Crédit Mutuel Livret Crédit Mutuel

3% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 3.00%
  • Account Type: Savings
  • Access / Term: Instant
  • Balance Limits: €500 min

La Banque Postale Livret A La Banque Postale

3% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 3.00%
  • Account Type: Savings
  • Access / Term: Instant
  • Balance Limits: €500 min

Yomoni Livret Yomoni

3% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 3.00%
  • Account Type: Savings
  • Access / Term: Instant
  • Balance Limits: €500 min

Monabanq Livret Monabanq

3% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 3.00% (6 months), then 0.80%
  • Account Type: Bank livret
  • Access / Term: Instant access
  • Balance Limits: No cap

Cashbee Livret Cashbee

3% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 3.00% (2 months), then 1.50%
  • Account Type: Bank livret
  • Access / Term: Instant access
  • Balance Limits: Up to EUR 10,000,000

Banque Populaire Livret Banque Populaire

3% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 3.00%
  • Account Type: Savings
  • Access / Term: Instant
  • Balance Limits: €500 min

BoursoBank Livret BoursoBank

3.50% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 3.50%
  • Account Type: Savings
  • Access / Term: Instant
  • Balance Limits: €500 min

Nalo Livret Nalo

3.50% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 3.50%
  • Account Type: Savings
  • Access / Term: Instant
  • Balance Limits: €500 min

Goodvest Impact Goodvest

3.50% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 3.50%
  • Account Type: Savings
  • Access / Term: 12 months
  • Balance Limits: €500 min

Hello bank! Livret Hello bank!

3.50% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 3.50%
  • Account Type: Savings
  • Access / Term: Instant
  • Balance Limits: €500 min

Distingo Livret Distingo Bank

3.80% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 3.80%
  • Account Type: Savings
  • Access / Term: Instant
  • Balance Limits: €500 min

Fortuneo Livret+ Fortuneo

3.80% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 3.80%
  • Account Type: Savings
  • Access / Term: Instant
  • Balance Limits: €500 min

Cdiscount Banque Livret Cdiscount Banque

3.80% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 3.80%
  • Account Type: Savings
  • Access / Term: Instant
  • Balance Limits: €500 min

Cashbee Livret Cashbee

4% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 4.00%
  • Account Type: Savings
  • Access / Term: Instant
  • Balance Limits: €500 min

Ramify Épargne Ramify

4% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 4.00%
  • Account Type: Savings
  • Access / Term: 12 months
  • Balance Limits: €500 min

Renault Bank Livret Renault Bank

4% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 4.00%
  • Account Type: Savings
  • Access / Term: Instant
  • Balance Limits: €500 min

Raisin FR Épargne Raisin FR

4.50% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 4.50%
  • Account Type: Savings
  • Access / Term: 12 months
  • Balance Limits: €500 min

Distingo Livret Distingo Bank

4.50% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 4.50% (3 months), then 2.00%
  • Account Type: Bank livret
  • Access / Term: Instant access
  • Balance Limits: Up to EUR 10,000,000

Fortuneo Livret + Fortuneo

5% AER

  • Deposit Protection: EU DGS — up to €100,000
  • Interest Rate: 5.00% (3 months), then 1.60%
  • Account Type: Bank livret
  • Access / Term: Instant access
  • Balance Limits: Up to EUR 10,000,000

Distingo Savings Account Distingo Bank

€10 /month

  • Provider: Distingo Bank

Simulez votre épargne avec DISTINGO Bank Distingo Bank

€32.50 /month

  • Provider: Distingo Bank

Les produits d’épargne DISTINGO Bank Distingo Bank

€80 /month

  • Provider: Distingo Bank

Le Livret d’épargne Distingo Bank

€80 /month

  • Provider: Distingo Bank

Distingo Bank Plan Distingo Bank

€80 /month

  • Provider: Distingo Bank

Préparer sa retraite Cashbee

€400 /month

  • Provider: Cashbee

400€ Cashbee

€400 /month

  • Provider: Cashbee

Cashbee Plan Cashbee

€500 /month

  • Provider: Cashbee

Attention : Cashbee

€500 /month

  • Provider: Cashbee

Floa Bank Livret Floa Bank

Price on request

What are savings accounts in France?

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.

How the French market works

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.

Benefits

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.

How to choose

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.

Leading providers in France

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.

What it costs

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.

Protections and regulation

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.

Common questions

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.

Savings Accounts in France — FAQ

What is the highest savings rate in France right now?

Giraffy tracks 38 savings accounts across 22 providers in France. Sort by highest rate and filter by account type (easy access vs. fixed) to find the best deal for your timeline.

Is my money safe in a savings account?

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.

What does p.a. mean on a savings account?

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.

What is the difference between easy access and fixed-rate savings?

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.

Do I pay tax on savings interest?

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.

Can I open multiple savings accounts at different banks?

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.

How quickly can I access my money in an easy access savings account?

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.