(Article sponsored by Fortuneo) 5% gross annual for 3 months: the boosted rate of the Fortuneo online bank is sure to appeal to savers who open a Livret + for the first time. But be careful: to benefit from it, the account must be opened no later than June 30!
Are you looking for a solution to boost the return on your savings in complete security? Benefit, for 3 months, from a boost rate on the Booklet + about by Fortuneo (1). In fact, the online banking Livret + currently allows you to benefit from an interest rate of 5% gross annual for 3 months (1) condition of opening a Livret + for the first time by June 30 at the latest.
How to open a Livret + with Fortuneo?
Simply go to the Fortuneo website, or download the bank’s mobile application to your mobile phone. A Booklet + subscription request form must then be completed by indicating your personal information. Final step: validate the account opening request and send the requested supporting documents (identity document, proof of address and RIB).
Good to know: the Livret + can be funded through regular transfers, allowing you to put money aside gradually. Opening a Livret + requires having a deposit account with Fortuneo. You have a withdrawal period of 14 days.
Who can benefit from the exceptional rate of 5% gross annual rate for 3 months?
Note that certain conditions apply to be able to benefit from the interest rate bonus for the Livret +. The offer only concerns first subscriptions, and not booklets already opened. Furthermore, the promotional rate of 5% gross annual applies only to the first 100,000 euros deposited in the Livret +.
Beyond this sum and at the end of the 3-month bonus period, the remuneration increases to the contractual remuneration rate, namely 2% gross annually (current rate, subject to change).
To be able to claim the exceptional remuneration of 5% gross annually for 3 months, the Livret + must also be kept open until December 31, 2024. The interest generated is subject to tax and social security deductions.
In addition, only adult individuals can open a Livret + with online banking, and only if their tax residence is domiciled in France.
Reasons to open a Livret + with Fortuneo
The 5% gross annual interest rate for 3 months offered by Fortuneo constitutes the first good reason to open a Livret +. But other elements work in favor of this investment, starting with the absence of risk of capital loss. The money invested is not subject to fluctuations in the financial markets. Furthermore, opening and operating a Livret + are completely free.
Do you want to be able to withdraw your money at any time? The sums deposited in a Livret + are available at any time, and can be withdrawn by a simple transfer made from its mobile application or its Fortuneo customer area. Deposits, for their part, can be made by transfer or by check, up to the particularly high ceiling of the Livret +, 10 million euros.
OPEN A BOOKLET +
(1) Offer reserved for any first opening of a Major Booklet + between May 2, 2024 and June 30, 2024 (date of receipt of the complete account opening file as proof). Net payments made up to 100,000 euros will be remunerated at the promotional gross annual rate of 5% for 3 months from the fortnight following the opening date of the Booklet +. Beyond 100,000 euros as well as at the end of the 3-month bonus period, net payments will be paid at the gross annual base interest rate of 2%, subject to modification by Fortuneo according to the General Conditions. Any withdrawal made during the 3-month bonus period will be deducted from the payments benefiting from the offer. Offer limited to one Livret + per capable adult individual and tax resident in France, subject to the existence of the Livret + of the holder on December 31, 2024. Interest is subject to tax and social security deductions. Opening a Livret + major is subject to having a deposit account with Fortuneo. You have a withdrawal period of 14 days.