6.1% booklet: you may be eligible

On February 1, a super booklet saw its remuneration increase from 4.6% to 6.1%. But you may be eligible. To find out, check your email. The tax authorities are currently sending an email to the persons concerned.

Are you one of the 55 million French people with a Livret A? The good news is that since February 1, your savings account earns you 3% instead of 2%. But maybe you can enjoy a similar product, whose remuneration is twice as high : the People’s Savings Account (LEP). This savings product, accessible subject to income conditions, has an interest rate of 6.1% today, against 4.6% previously. In order to encourage eligible people to take advantage of it, the General Directorate of Public Finances (DGFiP) is currently sending emails, reveals the information site MoneyVox. A word of advice: check your inbox carefully.

The only passbook that protects your savings from inflation

It is therefore in your interest to open one. Indeed, for 1,000 euros placed on the LEP in 2023, you will theoretically receive 61 euros in interest over one year with constant remuneration. For the same amount placed, you would only receive 30 euros for the Livret A, a difference of 31 euros.

A significant difference, especially since inflation considerably reduces your purchasing power. However, the rise in prices continues. In January, the inflation rate reached 6% over one year, against 5.9% in December, according to an estimate published by the National Institute of Statistics and Economic Studies (Insee). Although its payment ceiling is restricted to 7,700 euros (compared to 22,950 euros for the Livret A), LEP therefore appears to be the only real bulwark against inflation.

More than one in two individuals do not benefit from it

Today, 18 million individuals are eligible for LEP. Yet only 8.5 million have opened one. Besides, this placement remains particularly unknown to the youngest according to the consumer association CLCV. Whether you received the email from the tax administration or not, remember to check that you meet the opening conditions.

Since this is a means-tested booklet, your reference tax income must not exceed certain thresholds, varying according to the place of residence and the composition of the household. Consult the amount of your reference tax income (RFR) for the year 2021, appearing on your tax notice for 2022. Compare it with the new eligibility thresholds for the year 2023 in the table below -below.

Please note that the income thresholds are valid for the entire tax household. Only one LEP can be opened per taxpayer, within the limit of two for a tax household. You must be of legal age to apply for it, and no longer be attached to the tax household of the parents.