Najboljši Varčevalni računi v Francija
Naložba v Varčevalni računi je ključna strategija za prebivalce v Francija, ki želijo svoje prihranke zaščititi pred inflacijo.
Ker je inflacija v Francija 1.9-odstotna, davčna stopnja pa 31.4-odstotna, je iskanje izdelkov s pozitivnim realnim donosom nujno.
Zgodovinski razvoj
Primerjajte povprečni donos Varčevalni računi z inflacijo
Primerjajte donose Varčevalni računi v Francija
| Vrsta | Ustanova | Bruto donos | Po obdavčitvi | Realni donos | Stanje | Podrobnosti |
|---|---|---|---|---|---|---|
| Varčevalni računi | Cashbee Livret+ (Promo 2M) FR | 5.10% | 3.50% | +1.60% | Premaga | 5.10% for 2 months up to €200k, then 1.50%, April 2026 |
| Varčevalni računi | Fortuneo Livret+ (Promo 3M) FR | 5.00% | 3.43% | +1.53% | Premaga | 5.00% for 3 months up to €100k, then 1.60%, April 2026 |
| Varčevalni računi | Scalable Capital (PRIME+) FR | 2.50% | 1.71% | -0.19% | Izgubi | Requires PRIME+ broker plan (€4.99/mo), unlimited deposit, April 2026: 2.50% |
| Varčevalni računi | BoursoBank Bourso+ Metal FR | 2.50% | 1.71% | -0.19% | Izgubi | Metal subscription required, instant access, April 2026 |
| Varčevalni računi | Crédit Agricole Livret A FR | 2.40% | 1.65% | -0.25% | Izgubi | Regulated account, tax-free, €22,950 cap, state-guaranteed rate |
| Varčevalni računi | Bunq Easy Savings (Weekly) FR | 2.26% | 1.55% | -0.35% | Izgubi | Weekly compound, higher balances get 2.26%, base 1.51% |
| Varčevalni računi | Trading 212 Flexible Savings FR | 2.20% | 1.51% | -0.39% | Izgubi | UK fintech, investor protection ~€20k, instant access |
| Varčevalni računi | Trade Republic Cash Account FR | 2.00% | 1.37% | -0.53% | Izgubi | Instant access, tracks ECB rate, up to €50k |
| Varčevalni računi | BoursoBank Livret Épargne FR | 2.00% | 1.37% | -0.53% | Izgubi | Instant access, no conditions, monthly interest, April 2026 |
| Varčevalni računi | N26 Savings Account FR | 2.00% | 1.37% | -0.53% | Izgubi | Metal plan only (€16.90/mo), instant access |
| Varčevalni računi | N26 Metal Savings FR | 2.00% | 1.37% | -0.53% | Izgubi | Requires Metal plan (€16.90/mo), instant access, ECB-linked |
| Varčevalni računi | Lightyear Cash Account FR | 1.91% | 1.31% | -0.59% | Izgubi | Estonian broker, monthly interest, no limit |
| Varčevalni računi | Revolut Savings Vault EU | 1.85% | 1.27% | -0.63% | Izgubi | Premium/Metal plans, instant access, up to €100k |
| Varčevalni računi | Bunq EasyBank Savings FR | 1.56% | 1.07% | -0.83% | Izgubi | Instant access, Dutch deposit guarantee, monthly interest |
| Varčevalni računi | Hello Bank! Livret Hello+ FR | 1.50% | 1.03% | -0.87% | Izgubi | BNP Paribas subsidiary, instant access |
| Varčevalni računi | LCL Livret LCL FR | 1.50% | 1.03% | -0.87% | Izgubi | Instant access, 30% flat tax, no cap, monthly interest |
| Varčevalni računi | Monabanq Compte Épargne FR | 1.40% | 0.96% | -0.94% | Izgubi | Online bank, instant access, 30% PFU applies |