Managed 100% from the app
View your balance, accrued interest, make transfers to and from your current account, schedule automatic monthly payments.
Booklet A
State regulated product
Your secure savings,
available at any time.
Livret A is the preferred investment of the French. Rate at 3%, interest exempt from taxes and social security contributions, capital guaranteed by the State. Withdraw your money whenever you want.
3 %
Annual gross rate
3 %
Net rate (tax exempt)
22 950 €
Deposit limit
- 0% tax on interest
- Capital guaranteed by the State
- Immediate withdrawal at any time
- Open in 5 minutes online
- 1 Livret A per person (from €0)
Regulated rate as of 04/11/2025. Fixed by ministerial decree. Subject to change on February 1st and August 1st.
3 %
annual net rate — tax-exempt
22 950 €
deposit limit for an individual
0 €
opening or management costs
5 min
to open your booklet 100% online
Simulator
How much will your Livret A return?
Adjust your initial deposit, monthly payments and term to see your interest in real time.
1 000 €
0 €22 950 €
50 €
0 €500 €
3 years
1 year10 years
Your estimated savings
Rate 3% net
4 825 €
after 3 years
Paid-up capital
2 800 €
Net interest earned
+225 €
Taxes and levies
0 €
Indicative simulation based on a fixed rate of 3%. Interest is calculated fortnightly. Non-contractual result.
Open my Booklet A now
The advantages
Why choose
Why choose
the Nexia Booklet?
Livret A is the same everywhere — it’s the law. What changes is the quality of service around it.
Capital guaranteed by the State
Unlike traditional financial products, Livret A is a regulated product. Your capital is fully guaranteed by the French Republic — no risk of loss.
0% taxes
The interest on Livret A is exempt from income tax and from social security contributions (CSG/CRDS). What you earn is entirely up to you.
Money available at any time
No blocking time. Withdraw all or part of your savings at any time from the app, without fees or penalties.
Automatic payments
Schedule an automatic monthly transfer from your checking account. Save without thinking about it, from €10 per month.
Opens in 5 minutes
No need to go to an agency. Open your Livret A online from your Nexia space in less than 5 minutes.
How it works
Everything you need to know
Everything you need to know
about Livret A.
The Livret A is regulated by law. Here are the essential rules to know.
01
Interest calculated per fortnight
Interest is calculated fortnightly: deposits produce interest from the 1st or 16th of the month following the deposit. Withdrawals stop earning interest from the previous 1st or 16th.
02
Interest paid on December 31
The interest accumulated over the year is credited to your Livret A on December 31 of each year. They are added to the capital and themselves produce interest the following year (compound interest).
03
Ceiling at €22,950
You cannot deposit more than €22,950 into your Livret A (excluding interest). A person can only hold one Livret A. The ceiling can be reached gradually or in a single payment.
04
Rate revised twice a year
The Livret A rate is set by ministerial decree and revised February 1 and August 1 of each year. It is calculated based on inflation and interbank rates.
"The Livret A is the first reflex for secure savings. At Nexia, we complete it with automatic payment tools so that your savings grow effortlessly."
Savings service
55 M
Booklets A opened in France
100 %
capital guaranteed by the State
Compare
Livret A vs. other
Livret A vs. other
regulated savings products.
Livret A is not alone — here is how it positions itself compared to other regulated livrets.
| Product | Booklet A | LDDS | LEP | Youth Booklet |
|---|---|---|---|---|
| Net rate | 3,00 % | 3,00 % | 4,00 % | 3,00 % |
| Ceiling | 22 950 € | 12 000 € | 10 000 € | 1 600 € |
| Access conditions | All | All | Under income conditions | 12-25 years old |
| Taxation | Exempt | Exempt | Exempt | Exempt |
| Availability | Immediate | Immediate | Immediate | Immediate |
| Per person | 1 only | 1 only | 1 only | 1 only |
Rate in effect as of 07/25/2025. The LEP is subject to income conditions (reference tax income). The rates for regulated savings accounts are identical in all approved French banks.
Open online
3 steps to open your Livret A.
01
Log in to Nexia
From the application or the web space, access the “Savings” section then “Booklet A”.
02
Confirm your identity
If you are already a Nexia customer, your information is pre-filled. Otherwise, provide your identity and sign electronically.
03
Make your first deposit
Minimum €10. Your Livret A is active immediately. Schedule a monthly transfer to save automatically.
FAQ
Your questions
Your questions
about Booklet A.
Our team responds via chat in less than 2 minutes.
Can I open a Livret A if I already have one in another bank?
No. The law prohibits holding more than one Livret A per person. If you already have a Livret A in another bank, you must close it before opening one with Nexia. Alternatively, you can transfer your existing Livret A to Nexia — a process that we take care of entirely free of charge.
When and how is interest calculated?
Interest is calculated fortnightly: a deposit made before the 15th of the month produces interest from the 16th; after the 15th, from the 1st of the following month. Interest is capitalized and paid into your savings account on December 31 of each year. They are added to your capital and themselves produce interest the following year.
Can we open a Livret A for a minor child?
Yes. A minor child can hold a Livret A, opened by their legal representative (parent or guardian). The ceiling is identical (€22,950). A child can therefore have their own Livret A in addition to that of each of their parents, which constitutes an excellent long-term family savings tool.
Is there a minimum deposit or withdrawal amount?
The first deposit upon opening is a minimum of €10. Thereafter, there is no minimum for deposits or withdrawals. The only constraint: the balance can never be negative and the account must maintain a positive or zero balance after any withdrawal (you cannot withdraw more than your available balance).
Can the rate fall after opening?
Yes. The Livret A rate is regulated and may increase or decrease on February 1 and August 1 of each year according to the ministerial decree. In the event of a drop in the rate, all Livret A accounts in France are affected simultaneously, regardless of the bank. You are informed by notification in the Nexia application.
Can I close my Livret A at any time?
Yes, without fees or notice period. From the Nexia application: “My Livret A” → “Close”. The balance, including accrued interest, is transferred to your current account within 24 hours. Note that if you close your booklet during the year, the interest for the last incomplete fortnight is not paid.
Start saving
today.
Opening in 5 minutes · Rate 3% net · €0 fees · Guaranteed capital