The online bank Fortuneo raises the rate of its Livret + to 3% for 4 months, for any first subscription before March 15*. It is a risk-free investment that offers great liquidity.
In an inflationary context and uncertainty about the future, the Livret A is not the only solution to invest your savings without the risk of losing them.
The Fortuneo online bank’s Livret + is a good example. It benefits from several advantages of the Livret A, such as guaranteed capital, total availability of invested funds and the absence of operating costs. In addition, and unlike the Livret A, you are almost not limited in the amount of your payments, as its ceiling is high (10 million euros). Nevertheless, the interests of the Livret + are subject to social and tax deductions.
At the moment, the one that was voted “best bank” during the PriceBank Trophy of 2022, is boosting the rate of its Livret + to 3% for 4 months (subject to opening a Livret + for the first time before 15 March and within the limit of 100,000 euros of deposit).
What is a Booklet +?
The Fortuneo online bank’s Livret + is similar in many ways to the Livret A, starting with how it works. You can fund it whenever you want, without any amount or recurrence constraints, unlike other types of investments.
Very flexible, it also allows you to recover your funds at any time by simple bank transfer. Another advantage: unlike the Livret A, the Livret + has a ceiling of 10 million euros, enough to invest your savings serenely and without constraint.
In addition, whatever the operation carried out, the online bank does not apply any fees, not even those related to the maintenance of the account. The opening of the Livret +, the deposits, as well as the withdrawals made are free*. On the other hand, interest is subject to social security and tax deductions.
An investment that pays you in all circumstances
If the Livret + works globally like the Livret A, both do not benefit from the same rates. The first is determined by Fortuneo, while the second is imposed by the Banque de France and reviewed every six months.
In any case, this rate can never reach 0%, or even fall below. Like the Livret A, the Livret + does not therefore present any risk of capital loss. Better still, it earns you a minimum of interest.
Currently, the Livret + rate is 0.5% annual gross (before tax and social security contributions*). But, if you open one before March 15, Fortuneo exceptionally boosts this rate to 3% for 4 months (offer valid for a first opening of Livret + and within the limit of 100,000 euros of deposit).
Due to the absence of risk of capital loss, the availability of funds, the flexibility it provides and its high ceiling, the Livret + is therefore an excellent complementary investment to the Livret A.
How to open a Livret +?
Opening a Livret + at Fortuneo is as simple as it is quick. Everything happens directly on the online banking site. In a few key steps, your subscription application file is ready:
- fill in your details in the form provided for this purpose;
- indicate the amount you initially wish to deposit on the Livret + (10 euros minimum), as well as the RIB of the account from which you are sending these funds;
- electronically transmit your proof of identity and residence, as for the opening of a current account.
Note that if you are already a Fortuneo customer, the procedure is even simpler and a few clicks are enough to send your request to open a Livret +.
And, if you launch the request to open a Livret + before March 15, and it is your first opening of a Livret +, you benefit for 4 months from a rate boosted to 3%.
* Subject to acceptance by Fortuneo. 14 day cooling-off period. Consult the legal notices of the operation and of Fortuneo.
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This is content created by freelance writers within the Humanoid xp entity. Numerama’s editorial team did not participate in its creation. We are committed to our readers to ensure that this content is interesting, qualitative and corresponds to their interests.