{"id":128,"date":"2026-08-01T07:00:00","date_gmt":"2026-08-01T05:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2020\/06\/05\/le-lep-ou-livret-depargne-populaire\/"},"modified":"2026-09-29T09:42:36","modified_gmt":"2026-09-29T07:42:36","slug":"lep-livret-epargne-populaire","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/lep-livret-epargne-populaire\/","title":{"rendered":"Qu'est-ce que le livret d'\u00e9pargne populaire (LEP) ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Le livret d'\u00e9pargne populaire (LEP) est un produit d'\u00e9pargne r\u00e9mun\u00e9r\u00e9. Il est accessible sous condition de ressources aux r\u00e9sidents fiscaux fran\u00e7ais. Chaque ann\u00e9e, le crit\u00e8re d'\u00e9ligibilit\u00e9 doit \u00eatre confirm\u00e9.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"youtube-container\" data-wp-interactive=\"cdb\/video-consent\" data-wp-context=\"{&quot;loaded&quot;:false}\" data-wp-init=\"callbacks.init\">\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe data-src=\"https:\/\/www.youtube.com\/embed\/Nlly9O_y2c8?feature=oembed\" data-wp-watch=\"callbacks.syncIframe\" loading=\"lazy\" title=\"Le livret d&amp;apos;Epargne Populaire (LEP)\" width=\"500\" height=\"281\"  frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<div class=\"video-consent-overlay\" data-wp-watch=\"callbacks.syncOverlay\"><div class=\"video-consent-overlay-text\">Vous devez accepter les cookies de YouTube pour visionner cette vid\u00e9o<\/div><button type=\"button\" class=\"video-consent-overlay-accept-button\" data-wp-on--click=\"actions.accept\">J&#039;accepte - Lancer la vid\u00e9o<\/button><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelles sont les caract\u00e9ristiques du LEP ?<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Plafond de d\u00e9p\u00f4t (hors int\u00e9r\u00eats) : <strong>10 000 euros<\/strong><\/li><li>Solde minimum : aucun mais si le solde reste nul pendant un an, le livret peut \u00eatre cl\u00f4tur\u00e9 d'office (n\u00e9cessit\u00e9 de verser minimum 30 \u20ac \u00e0 l'ouverture du LEP)<\/li><li>Dur\u00e9e : illimit\u00e9e tant que le crit\u00e8re fiscal est respect\u00e9<\/li><li>Disponibilit\u00e9 : imm\u00e9diate<\/li><li>Performance : <strong> 2,5 % au 1er f\u00e9vrier 2026<\/strong> (contre 2,7% en ao\u00fbt 2025).<\/li><li>Fiscalit\u00e9 : aucune<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qui peut d\u00e9tenir un LEP ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un contribuable ne peut avoir qu'un <strong>livret d'\u00e9pargne populaire<\/strong>. Si vous \u00eates mari\u00e9, votre conjoint ou partenaire de PACS peut \u00e9galement souscrire ce produit d'\u00e9pargne. Vos enfants mineurs, ainsi que vos enfants majeurs rattach\u00e9s fiscalement \u00e0 votre foyer, ne peuvent pas souscrire de LEP.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Les conditions \u00e0 remplir pour d\u00e9tenir un LEP :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>vous avez plus de 18 ans<\/li><li>votre domicile fiscal doit \u00eatre situ\u00e9 en France<\/li><li>votre Revenu Fiscal de R\u00e9f\u00e9rence (RFR) doit \u00eatre inf\u00e9rieur \u00e0 un certain montant<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les informations sont transmises directement de l'administration fiscale \u00e0 l'\u00e9tablissement bancaire pour v\u00e9rifier l'<strong>\u00e9ligibilit\u00e9 au LEP<\/strong> tant \u00e0 son ouverture que par la suite pour pouvoir en rester d\u00e9tenteur. En cas d'absence d'information d\u00e9tenue par le fisc, il vous revient d'apporter les justificatifs. Avec la <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/impots-nouveautes\/\" target=\"_blank\">revalorisation du bar\u00e8me fiscal<\/a> (loi de finances 2025 en attente de promulgation), le seuil r\u00e9hauss\u00e9 d'\u00e9ligibilit\u00e9 au LEP se situerait d\u00e9sormais pour une personne seule \u00e0 22&nbsp;823 \u20ac. C'est une opportunit\u00e9 pour ceux qui \u00e9taient auparavant juste au-dessus de l'ancien seuil de 22 419 \u20ac.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelles sont les modalit\u00e9s de fonctionnement du LEP ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>La dur\u00e9e de votre LEP est illimit\u00e9e<\/strong>, si toutefois vous remplissez chaque ann\u00e9e la <strong>condition fiscale<\/strong>. Dans le cas contraire, votre LEP sera cl\u00f4tur\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le montant minimum que vous devez verser \u00e0 l'ouverture de votre LEP est de 30 \u20ac. Les versements sont ensuite libres en montant et en fr\u00e9quence, avec un minimum de 10 \u20ac. Vous recevez un <strong>relev\u00e9 de compte mensuel <\/strong>d\u00e8s lors que votre LEP aura fonctionn\u00e9 au cours du mois. Une <strong><a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/la-carte-de-retrait-uniquement-pour-les-retraits\/\" target=\"_blank\">carte de retrait<\/a><\/strong> pourra vous \u00eatre remise pour l'utiliser dans les <strong><a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/utiliser-sa-carte-bancaire-en-france-aux-distributeurs-dab-et-gab\/\" target=\"_blank\">distributeurs de billets<\/a><\/strong> (DAB) portant l'enseigne de votre banque.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quel est le taux d'int\u00e9r\u00eat du LEP ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le taux d'int\u00e9r\u00eat <\/strong>du livret d'\u00e9pargne populaire<strong> <\/strong>est de <strong>2,5 % au 1er f\u00e9vrier 2026<\/strong> (contre \u00e0 2,7% en ao\u00fbt 2025).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les int\u00e9r\u00eats sont<a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/calcul-interets-epargne\/\" target=\"_blank\" rel=\"noreferrer noopener\"> calcul\u00e9s par quinzaine,<\/a> ils sont cumul\u00e9s sur l'ann\u00e9e et sont inscrits sur votre compte au 1er janvier ; ils produisent alors eux-m\u00eames des int\u00e9r\u00eats.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Les int\u00e9r\u00eats du LEP<\/strong> <strong>ne sont pas imposables, ni assujettis aux pr\u00e9l\u00e8vements sociaux.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment transf\u00e9rer un LEP ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez demander \u00e0 tout moment <strong>le transfert de votre LEP<\/strong> dans un autre \u00e9tablissement habilit\u00e9, <strong>sans perte des int\u00e9r\u00eats<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans ce cas, votre demande sera ex\u00e9cut\u00e9e \u00e0 la fin du mois en cours, de mani\u00e8re \u00e0 permettre l'arr\u00eat\u00e9 des int\u00e9r\u00eats et des compl\u00e9ments de r\u00e9mun\u00e9ration par l'\u00e9tablissement d'origine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, celui-ci pourra transmettre l'historique des op\u00e9rations au nouvel \u00e9tablissement. Vous pourrez disposer de votre nouveau LEP en d\u00e9but du mois suivant votre demande.<\/p>\n\n\n\n<h4 class=\"has-normal-font-size wp-block-heading\"><strong>En compl\u00e9ment de l'article \"Qu'est-ce que le livret d'\u00e9pargne populaire (LEP) ?\" :<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/louverture-et-le-fonctionnement-dun-produit-depargne\/\" target=\"_blank\">L'ouverture et le fonctionnement d'un produit d'\u00e9pargne<\/a><\/li><li><a href=\"https:\/\/presse.economie.gouv.fr\/epargne-reglementee-le-livret-a-a-15-et-le-lep-a-25-a-compter-du-1er-fevrier-2026\/\">\u00c9pargne r\u00e9glement\u00e9e : le Livret A \u00e0 1,5 % et le LEP \u00e0 2,5 % \u00e0 compter du 1er f\u00e9vrier 2026 \u2013 Presse \u2013 Minist\u00e8re des Finances<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000048119273\" target=\"_blank\">D\u00e9cret n\u00b0 2023-901 du 28 septembre 2023 portant rel\u00e8vement du plafond du compte sur livret d'\u00e9pargne populaire<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/codes\/section_lc\/LEGITEXT000006072026\/LEGISCTA000006184404\/2012-01-01\/#LEGISCTA000006184404\" target=\"_blank\">Le compte sur livret d'\u00e9pargne populaire <em>(Articles R221-33 \u00e0 R221-64)<\/em><\/a> <\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F2367\" target=\"_blank\">Service-public.fr : Livret d'\u00e9pargne populaire (LEP)<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" 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          data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">&lt; 1 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/demande-de-transfert-dun-produit-depargne\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Transfert<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Demande de transfert d&#039;un produit d&#039;\u00e9pargne<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Si vous souhaitez transf\u00e9rer un compte ou plan d&#039;\u00e9pargne vers une autre banque, ne demandez pas la cl\u00f4ture de ce compte ou de ce plan en vue d&#039;une ouverture dans votre nouvelle (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn 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Il est accessible sous condition de ressources aux r\u00e9sidents fiscaux fran\u00e7ais. Chaque ann\u00e9e, le crit\u00e8re d'\u00e9ligibilit\u00e9 doit \u00eatre confirm\u00e9. Quelles sont les caract\u00e9ristiques du LEP ? Plafond de d\u00e9p\u00f4t (hors int\u00e9r\u00eats) : 10 000 euros Solde minimum : aucun mais si le solde reste nul [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":4845,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":108,"views":45658,"viewed_at":"1778493142","newsletter":"0","_yoast_wpseo_primary_category":39,"footnotes":""},"categories":[39,37,276],"tags":[],"class_list":["post-128","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-les-livrets-comptes-et-plans-depargne","category-les-produits-depargne","category-mon-epargne"],"yoast_head":"<title>Qu&#039;est-ce que le livret d&#039;\u00e9pargne populaire (LEP) ? - Les livrets, comptes et plans d&#039;\u00e9pargne - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Le livret d\u2019\u00e9pargne populaire (LEP) est un produit d\u2019\u00e9pargne r\u00e9glement\u00e9, avec un taux d&#039;int\u00e9r\u00eat attractif : 3,5% au 1er f\u00e9vrier 2025.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/lep-livret-epargne-populaire\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu&#039;est-ce que le livret d&#039;\u00e9pargne populaire (LEP) ? 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