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Post by leclairon on Jun 7, 2024 11:35:03 GMT 1
I am looking for a normal interest savings account in France, outside the Livret A and LDD while the rate is good. Any suggestions? I see Renault Zesto is offering 4.5 for 3 months then 3% and is protected by the FGDR. Fortunao offer 5 for 3 months, then 2%.
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curtis
Member
Charente Maritime
Posts: 516
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Post by curtis on Jun 7, 2024 12:20:09 GMT 1
Good question. I would be interested too.
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Deleted
Deleted Member
Posts: 0
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Post by Deleted on Jun 7, 2024 12:33:23 GMT 1
Have you got a Livret Epargne yet ? They are offered alongside the 'A' and the LDD and are currently paying 5% up to a max of 10k.
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curtis
Member
Charente Maritime
Posts: 516
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Post by curtis on Jun 7, 2024 15:56:13 GMT 1
There is an income limit to be eligible for that, I believe.
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Deleted
Deleted Member
Posts: 0
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Post by Deleted on Jun 7, 2024 16:27:50 GMT 1
There is an income limit to be eligible for that, I believe. Yes, I forgot that . RFR less than or equal to 20,297.......
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Post by lapourtaider on Jun 7, 2024 17:04:06 GMT 1
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Post by leclairon on Jun 7, 2024 17:22:16 GMT 1
Yes, the LEP is restricted. Haven't heard about 'obligations' - will certainly investigate more, thanks!
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Post by hughnique on Jun 8, 2024 7:21:38 GMT 1
I would like to invest a few quid in a French savings account , however I just do not want to complicate the tax return any further, and get involved in paying tax on any income generated by it. Presently I have 2% in the UK so obviously 5% is more attractive.
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Post by lapourtaider on Jun 8, 2024 7:34:33 GMT 1
I would like to invest a few quid in a French savings account , however I just do not want to complicate the tax return any further, and get involved in paying tax on any income generated by it. Presently I have 2% in the UK so obviously 5% is more attractive. Normally any tax on interest is automatically deducted and automatically filled in on the tax return (if you do it online)
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Post by cernunnos on Jun 8, 2024 9:32:00 GMT 1
That is why we changed our savinga accounts , just Livret A at 3% ( max €22,950)and LEP ( max 10,000 with a max income of €22,419) at 5% are not taxed
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Post by cernunnos on Jun 8, 2024 10:32:22 GMT 1
If we both have maxed out our savings , it gives us €66,000 in the bank with €2345 non taxable interest per year. That is plenty for us . Anything else we spend ! ![:D](//storage.proboards.com/forum/images/smiley/grin.png)
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Post by jardiniere on Jun 8, 2024 10:37:08 GMT 1
Normally any tax on interest is automatically deducted and automatically filled in on the tax return That's a major benefit as far as I'm concerned as I don't want to make my tax return any more difficult. I'm finally about to change my bank account as last week was the straw that broke the camel's bank with La Banque Postale. I hope the online banks have LEPs.
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Post by quilbert on Jun 8, 2024 10:47:17 GMT 1
"I hope the online banks have LEPs." Unfortunately not possible with Boursobank, so I suspect it's the same with others.
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suein56
Member
Southern Morbihan 56 Brittany
Posts: 7,963
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Post by suein56 on Jun 8, 2024 11:40:38 GMT 1
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Post by jardiniere on Jun 9, 2024 10:35:17 GMT 1
"Parmi les banques en ligne présentes en France, Hello bank! est la seule à proposer le LEP." Thanks for that. It would be interesting to know why. If it's because there's not much in it for the bank, I guess Hello must compensate with higher charges for other services. I'm not looking forward to deciding who to change to but I really can't put it off any longer.
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