Livret A, LDDS, popular savings book or other bank books: in any case, your annual interest is added to your savings at the turn of the New Year. But what date can you see them appear on your banking app or on your online customer area? To find out how much the increase in the Livret A rate has brought you…
Don’t panic: regardless of the date on which your annual interest appears on your online statement, the result is the same. In almost all cases the interest value date is (depending on the bank) December 31, 2022 or January 1, 2023. In short: your 2022 interest will indeed be capitalized from the New Year. This annual remuneration thus converted into capital will then itself be taken into account in the calculation of future 2023 interest from the first hours of the New Year.
Livret A, LEP, PEL… When will I receive the interest on my savings?
In the meantime… would you still like to know exactly how much the savings that you managed to maintain on your Livret A, your LEP or other home savings account (CEL) brought you in 2022? In some banks, the suspense will be high even before New Year’s Eve… when it will be necessary to be more patient in other establishments. MoneyVox questioned all the major French networks: here are their answers.
| Network | Payment date (appearance on online statements) |
|---|---|
| Credit Agricole | December 305 p.m. |
| Mutual Credit | December 31 |
| Savings Bank | January 1st3 p.m. |
| Societe Generale | From the January 5 |
| BNP Paribas | January 2 |
| The postal bank | January 1stfrom 2:30 p.m. |
| People’s Bank | December 31from 12:10 a.m. |
| LCL | Early January (no later than 5) |
| CIC | December 31 |
| Boursorama Bank | January 2 |
| Fortuneo | December 31 |
Source: MoneyVox bank responses and public information.
Clarification: this is the date on which the payment appears on your statement.
The value date of this payment is always December 31, 2022 or January 1, 2023.
When December 31 and January 1 fall on a weekend…
As pointed out by Credit Agricole, this year, December 31 is a Saturday. Consequently, the regional banks of the green bank are taking a step ahead: The payment of interest on the various passbooks, immediately visible on the customer’s account in his personal space of Crdit Agricole online, will be made in installments on Friday 30 between 12 p.m. and 5 p.m. Thus, on Friday at 5 p.m., all Crdit Agricole customers will be able to play the curious by connecting to their app or online bank. More specifically, the bank specifies that the recorded transaction date will be December 31 and the value date (from which this interest is capitalized) is January 1.
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At Mutual Credit or to CICthe fact that the interest is paid on December 31 of the current year is an argument repeated and put forward on the sites of the network, but MoneyVox did not have confirmation from this group that this will indeed be the case this year.
Sometimes very precise banks
Some banks have played on transparency by communicating MoneyVox the precise time from which customers can connect to see their interests appear. To the Savings Bank, capitalization interest will be visible from January 1, 2023 at 3 p.m. on ATMs and on remote banking for the Caisses d’Epargne. On the side of People’s Banks, it will be early on Saturday December 31, from 12:10 a.m. – 12:30 a.m. As to The postal bankthe interests are announced as visible on the online bank from January 1st from 2:30 p.m.
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BNP Paribas and Boursorama are also announcing a calculation or accounting carried out from Saturday December 31, for an appearance on customer accounts on the first working day of January, therefore Monday January 2 in 2023. Clarification from BNP Paribas: they are visible in provisional movements ( upcoming operations) from Monday 2 January.
A little patience on the other hand on the side of LCL or the Societe Generale. Don’t panic, however, the red and black bank reassures its customers: Interest is obviously calculated on the value date of December 31, 2022. which justifies that interest does not appear on online statements until January 5, 2023.
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