What is a regulated savings account?
French regulated savings products (Livret A, LDDS, LEP, Livret Jeune, CEL, PEL) are investments whose rules — rate, ceilings, eligibility — are set by the public authorities. Their capital is guaranteed and, for most of them, available at any time.
Current rates
This table is read from PortefeuilleZen's rate registry, fed only from official sources and checked regularly. Each name links to its official Service-Public page (in French).
| Product | Annual rate | Since | Note |
|---|---|---|---|
| Livret A | 1.7 % | August 1, 2026 | Rate set by the public authorities. |
| LDDS | 1.7 % | August 1, 2026 | Rate aligned with the Livret A. |
| LEP | 2.5 % | August 1, 2026 | Reserved for people whose income is below a ceiling. |
| Livret Jeune | 1.7 % | August 1, 2026 | Regulatory floor: the bank may pay a higher rate. |
| CEL | 1.25 % | August 1, 2026 | Rate set by the public authorities. |
| PEL | 2.0 % | January 1, 2026 | Rate fixed at opening: it depends on the plan's generation (here, the most recent one). |
Key takeaway
How they work
Rates can be revised during the year. Deposit ceilings and conditions (age for the Livret Jeune, income for the LEP, term and payments for the PEL) are set out on the official pages cited at the bottom of this guide. The tax treatment of the CEL and PEL depends in particular on when they were opened.
Attention
Tracking them in PortefeuilleZen
A savings account is added as an account at its bank. PortefeuilleZen applies the registry rate for the relevant period; for a PEL the rate depends on the opening date, and for a Livret Jeune you can enter the rate your bank actually pays. Transfers between your accounts remain internal transfers, never gains.