Regulated Savings Accounts
Everything about regulated French savings accounts: Livret A, LDDS, LEP, PEL, CEL. Rates, limits, and emergency fund strategies.
Our guides on regulated savings accounts
CEL in 2026: Rate, Ceiling, How It Works and Eligibility
Compte Epargne Logement (CEL) in 2026: 1.50% rate, 15,300 euro ceiling, how it works, taxation, housing loan rights and how it compares with the PEL today.
Livret A in 2026: How Much to Keep and the Ideal Amount
The ideal amount to keep in your Livret A in 2026: a calculation method based on your situation, the common mistakes and strategies for investing the surplus.
Emergency Fund in France: How Much to Set Aside in 2026
Emergency fund in 2026: how much to save based on your income, which accounts to use in France and which method to follow to avoid costly mistakes, explained.
LDDS in 2026: Rate, Ceiling and Complete Guide in France
LDDS in 2026: 2.40% rate, 12,000 euro ceiling, eligibility conditions and how it works. How it differs from the Livret A, and its solidarity side explained.
LEP in 2026: France's Best-Paying Savings Account (3.5%)
LEP in 2026: exceptional 3.50% rate, 10,000-euro ceiling, income eligibility conditions, and strategies to make the most of this high-yield savings account.
Livret A in 2026: Rate, Ceiling and How It Works in France
Livret A in 2026: current rate, 22,950 euro ceiling, how it works in detail, taxation and strategies to optimise your emergency savings in France this year.
Livret A or Fonds Euros: Which Safe Investment in 2026?
Livret A or a fonds euros in life insurance? Returns, taxation and access to your money compared, to choose the best safe investment in France in 2026.
PEL in 2026: Rate, How It Works and Is It Worth Opening?
Plan Epargne Logement (PEL) in 2026: 1.75% rate, how it works, taxation, the abolished state bonus and whether opening a PEL is still worth it this year.