Ten boosted savings accounts currently yield up to 5.5% gross, outperforming the regulated Livret A ahead of its anticipated February revision.
Livret a Yields May Rise to 2.6% Net
- The standard Livret A yields 1.70% net, a rate active since August 2026, though expectations point to a potential rise to 2.6% net on February 1, 2027.
- MoneyVox Actu reported that promotional accounts offer temporary gross rates reaching up to 5.5% to attract fresh deposits.
- Short-term placements over a three-month window can generate higher net interest than standard regulated passbooks despite fiscal deductions.
Yields on Short-Term Placements
Before the planned rate increase for the Livret A on February 1, approximately ten banking passbooks offer boosted gross rates peaking at 5.5%. Even after applying taxes, the net interest total remains higher with these commercial accounts.
The baseline Livret A has provided a net rate of 1.70% since August 1, 2026. Projections indicate this figure will climb to 2.6% on February 1, 2027. While savers wait for that adjustment, specific savings vehicles use temporary gross promotions to draw capital.
| Savings Account | Net Interest (3 Months) |
|---|---|
| Fortuneo Livret + | 94.54 euros |
| Distingo | 77.83 euros |
| Goodvest Durable | 72.16 euros |
| Ramify + | 69.58 euros |
| Meilleurtaux, Super Placement, Cashbee | 68.72 euros |
| Bfor+ | 60.06 euros |
| Monabanq | 51.51 euros |
| Hello Plus | 42.93 euros |
| Livret A | 42.55 euros |
Comparative Returns Across Providers
MoneyVox Actu reported comparative yield data based on a placement of 10,000 euros running from November 16 to February 15, 2027. Over this three-month horizon, the Fortuneo Livret + generates 94.54 euros in net interest.
Goodvest follows with 72.16 euros, while Ramify + produces 69.58 euros net.
Meilleurtaux Placement, Super Placement direct, and Cashbee each return 68.72 euros net. The Bfor+ Livret yields 60.06 euros, Monabanq provides 51.51 euros, and Hello Plus logs 42.93 euros, trailing the baseline Livret A return of 42.55 euros.
Neobanks Offer Varying Gross Rates and Deposit Requirements
Trade Republic remunerates unshielded cash deposits for new clients at 3% gross without a ceiling, matching the standard Monabanq savings yield. Revolut offers a 5.25% gross rate subject to account tier limits.
Accessing these promotional rates requires minimum deposits ranging from 10 euros to 500 euros. Additional requirements can include holding a current account or maintaining balances past the promotional window, such as the 1.80% gross base rate applied by Fortuneo.
Several twelve-month promotions exist on the market. Bfor+ applies a 3.15% gross rate, Monabanq’s Rentabilis offers 3%, and Hello Plus provides 2.50%. Goodvest and Ramify + apply 4.20% and 4.05% boosts respectively across a six-month duration.
Disclaimer: The information provided in this article is for educational and informational purposes only and does not constitute financial advice.
