Livret A, LDDS, popular savings booklet or other bank booklets: in all cases, your annual interest is added to your savings in the New Year. But on what day can you see them appear on your banking app or in your customer area online? Just to find out how much the increase in the Livret A rate brought you…
Don’t panic: regardless of the date your annual interest appears on your online statement, the result is the same. In almost all cases the value date of the interest is (depending on the bank) December 31, 2023 or January 1, 2024. In short: your 2023 interest will indeed be capitalized from the New Year. This annual remuneration thus transformed into capital will then itself be taken into account in the calculation of future 2024 interest from the first hours of the new year.
In the meantime… would you still like to know precisely how much the nest egg that you have tried to maintain in your Livret A, your LEP or other housing savings account (CEL) has brought you in 2023? In some banks, the suspense will be lifted even before New Year’s Eve… when you will have 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 292 p.m. |
| Credit Mutuel* | December 31 |
| Savings Bank | December 314 p.m. |
| General Society* | From the January 5 |
| BNP Paribas | January 2 |
| The postal bank | January 1stfrom 2:30 p.m. |
| Popular Bank | December 31from 12:30 a.m. |
| LCL | Early January (no later than the 5th) |
| CIC* | December 31 |
| BoursoBank | January 2 |
| Fortuneo* | January 1st |
Source: MoneyVox bank responses and public information.
* As the 2023 dates have not been communicated, these are the dates for the year 2022
Please note: this is the date on which the payment appears on your statement.
The value date of this payment is always December 31, 2023 or January 1, 2024.
When December 31 falls on a Sunday
As Crdit Agricole points out, this year, December 31 is a Sunday. Consequently, the regional funds of the green bank are getting ahead. Payment of interest on the various booklets, immediately visible on the customer’s account in their personal space Credit Agricole online, will be carried out in stages Friday December 29 from 2 p.m.. Thus, on Friday at 2 p.m., the payment of interest on the various savings accounts will be made in stages. More precisely, 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.
At Crdit Mutuel or CICthe fact that interest is paid on December 31 of the current year is an argument repeated and put forward on the network’s sites, but MoneyVox has not had confirmation from this group that this will indeed be the case. case this year.
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Banks sometimes very precise
Some banks have been transparent by communicating to MoneyVox the precise time from which customers can connect to see their interests appear. HAS the Savings Bankinterests will be visible to customers on their personal space from 4 p.m. Sunday, December 31. On the side of Popular Banks, it will be around 12:30 a.m. As for Postal bankthe interests are announced as visible on the online bank from the January 1st from 2:30 p.m.
BNP Paribas and Boursorama also announce a calculation or accounting carried out from Sunday December 31, for an appearance on customer accounts on the first working day of January, therefore the Tuesday January 2 in 2024. Clarification from BNP Paribas: they are visible in provisional movements (future operations) from Tuesday January 2.
A little patience, however, from LCL or Socit Générale. Like last year, interest will only appear on online statements from January 5, 2024.
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