Best Savings Accounts in France
Investing in Savings Accounts is a key strategy for France residents looking to protect their savings. Currently, the European Central Bank (ECB) maintains the €STR rate at a level that significantly impacts many fixed-income products across the eurozone.
With an annual inflation rate of approximately 0.7% in France, finding yields that provide a positive real return after taxes of 30.0% is crucial for maintaining your long-term purchasing power.
Savings Accounts Yields in France
| Type | Institution / Product | Gross Yield | After Tax | Real Yield | Status | Details |
|---|---|---|---|---|---|---|
| Savings Accounts | Fortuneo Livret+ (Promo 2026)FR | 2.94% | 2.05% | +1.35% | Beats Inflation | Promo until Dec 2026, up to €100k, then 1.60% |
| Savings Accounts | Bunq Easy Savings (Weekly)FR | 2.19% | 1.54% | +0.84% | Beats Inflation | Weekly compound, higher balances get 2.26%, base 1.51% |
| Savings Accounts | Trading 212 Flexible SavingsFR | 2.14% | 1.49% | +0.79% | Beats Inflation | UK fintech, investor protection ~€20k, instant access |
| Savings Accounts | Trade Republic Cash AccountFR | 1.96% | 1.37% | +0.67% | Beats Inflation | Instant access, tracks ECB rate, up to €50k |
| Savings Accounts | N26 Savings AccountFR | 1.94% | 1.35% | +0.65% | Beats Inflation | Metal plan only (€16.90/mo), instant access |
| Savings Accounts | N26 Metal SavingsFR | 1.94% | 1.35% | +0.65% | Beats Inflation | Requires Metal plan (€16.90/mo), instant access, ECB-linked |
| Savings Accounts | Lightyear Cash AccountFR | 1.84% | 1.29% | +0.59% | Beats Inflation | Estonian broker, monthly interest, no limit |
| Savings Accounts | Revolut Savings VaultEU | 1.79% | 1.25% | +0.55% | Beats Inflation | Premium/Metal plans, instant access, up to €100k |
| Savings Accounts | BoursoBank Livret ÉpargneFR | 1.74% | 1.21% | +0.51% | Beats Inflation | Instant access, no conditions, monthly interest |
| Savings Accounts | Bunq EasyBank SavingsFR | 1.50% | 1.05% | +0.35% | Beats Inflation | Instant access, Dutch deposit guarantee, monthly interest |
| Savings Accounts | Hello Bank! Livret Hello+FR | 1.44% | 1.00% | +0.30% | Beats Inflation | BNP Paribas subsidiary, instant access |