Livret A, LEP, LDDS, PEL: 2026 Rates and Deposit Limits

Publié le 30 octobre 2026

Piggy bank and euro coins on a bank statement illustrating interest rates on regulated savings

Updated October 30, 2026. Every rate, deposit limit and income threshold in this guide comes from an official service-public.gouv.fr information sheet, cited below with its verification date. Regulated savings rates are reviewed on February 1^st and August 1^st; the next review is February 1^st, 2027.

Livret A at 1.7%, LEP at 2.50%, and a PEL earning 2% from the day it opens: regulated savings products have government-set rates, reviewed twice a year, and deposit limits that few people know by heart. Before putting money into a bank savings account offering a three-month “boosted” rate, it helps to know what the law guarantees. This guide brings all the official figures together in one table, then explains each product.

Complete table of 2026 rates and deposit limits

Product	Current rate	Deposit limit	Tax on interest	Eligibility
Livret A	1.7%	€22,950	None	1 per person
LDDS	1.7%	€12,000	None	1 per person
LEP	2.50%	€10,000	None	Subject to income limits
PEL opened in 2026	2.00% (fixed at opening)	€61,200	30% flat tax (PFU)	1 per person
CEL	1.25%	€15,300	30% flat tax (PFU)	1 per person
Livret Jeune	At least 1.7% (set by the bank)	€1,600	None	Ages 12 to 25

Livret A and LDDS: the foundation, at the same rate

Livret A and the Livret de développement durable et solidaire (LDDS) pay exactly the same rate, 1.7%, confirmed on August 1^st, 2026 by the July 28, 2026 order for the period ending January 31, 2027. Interest is calculated twice a month, on the 1^st and 16th: a deposit only starts earning for a full half-month in the following period, so depositing toward the end of a half-month is preferable to depositing at its beginning.

Deposit limits are €22,950 for an individual's Livret A and €12,000 for an LDDS. In both cases, credited interest may push the balance above the limit and continue accumulating without a cap while the account remains open, but no further deposits are allowed. Interest is fully exempt from income tax and social contributions. The LDDS does not provide a checkbook or withdrawal card; banks often impose a €10 minimum on transactions.

LEP: the highest rate, subject to income requirements

The Livret d'épargne populaire has paid 2.50% since February 1^st, 2026, a rate confirmed on August 1^st, 2026 by the July 29, 2026 order. That is almost one and a half times the Livret A rate, but not everyone qualifies. To open and keep an LEP, your reference taxable income (RFR) must stay below a limit based on your household's tax-share quotient. Banks check the RFR for year N-2 or N-1: for an account opened in 2026, that means the 2025 tax notice (2024 RFR) or 2026 tax notice (2025 RFR).

2026 RFR limits (mainland France)

Number of tax shares	Maximum RFR
1 share	€23,028
1.5 shares	€29,177
2 shares	€35,326
2.5 shares	€41,475
3 shares	€47,624

Above that, add €6,149 for each additional half-share (€3,075 per quarter-share). Different thresholds apply in overseas territories. If your RFR exceeds the limit for one year, you can keep your LEP provided it falls below the limit again the following year. Deposits are capped at €10,000, with tax-free interest. Our article on reading your tax notice shows you, line by line, where to find your reference taxable income.

PEL: a rate locked in at opening, for better or worse

The Plan d'épargne logement works the other way around: its rate is set on the day the account opens and never changes. PEL accounts opened since January 1^st, 2026 earn 2.00%, more than the current Livret A. Those opened in 2025 earn 1.75%, while 2024 accounts earn 2.25%. This has two consequences: when market rates fall, older plans become worth preserving; when rates rise, a recently opened PEL can be disappointing.

Three rules matter in 2026. The deposit limit is €61,200. PEL accounts opened since March 2011 are limited to 15 years: the first of these reached maturity from March 1^st, 2026, while only those opened before March 2011 may be kept indefinitely. Finally, PEL accounts opened since January 1^st, 2018 no longer qualify for the government bonus, and their interest is subject each year to the 30% flat-rate tax (PFU).

CEL and Livret Jeune: the smaller siblings

The Compte d'épargne logement pays 1.25%, with deposits capped at €15,300 and the same 30% PFU taxation as the PEL. Its government bonus (50% of interest, up to €1,144) now applies only to CEL accounts opened before 2018. It can be held alongside a PEL if both are at the same bank. The Livret Jeune, reserved for 12- to 25-year-olds, has a €1,600 deposit limit. Each bank sets its rate, but never below the Livret A rate, meaning at least 1.7% today. In practice, banks often pay considerably more: for someone aged 12 to 25, it is regularly the best available regulated savings option.

How much a fully funded account earns

Approximate annual figures, ignoring the half-month calculation: a full Livret A (€22,950) at 1.7% earns around €390 in interest, a full LDDS (€12,000) around €204, and a full LEP (€10,000) around €250, all tax-free. An eligible couple combining Livret A, LDDS and two LEP accounts can therefore hold €54,950 free of tax. When comparing these accounts with taxable investments, these amounts matter just as much as the rates themselves.

How we monitor the figures

We check this guide whenever rates are revised, at least twice a year. The figures are those in force on October 30, 2026, taken from the official information sheets listed below; we read each one in full without relying on intermediary websites. A revision on February 1^st, 2027 will lead to updates to the table, estimated returns and date at the top of the article.

Official sources

Livret A: service-public.gouv.fr information sheet F2365, checked August 1^st, 2026.
LDDS: service-public.gouv.fr information sheet F2368, checked August 1^st, 2026.
LEP: service-public.gouv.fr information sheet F2367, checked August 1^st, 2026.
CEL: service-public.gouv.fr information sheet F16136, checked August 1^st, 2026.
PEL: service-public.gouv.fr information sheet F16140, checked October 9, 2026.
Livret Jeune: service-public.gouv.fr information sheet F2904, checked August 1^st, 2026.
Current rates: orders of July 28, 2026 (Livret A, LDDS, housing savings) and July 29, 2026 (LEP), published in the French Official Journal and cited in these information sheets.

Last verification of all rates and deposit limits: October 30, 2026. Next review: February 1^st, 2027, the next scheduled revision of regulated savings rates.