{"id":16566,"date":"2026-01-15T13:58:00","date_gmt":"2026-01-15T11:58:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/?p=16566"},"modified":"2026-07-15T15:06:37","modified_gmt":"2026-07-15T13:06:37","slug":"epargne-reglementee-ou-non-quelles-differences","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/epargne-reglementee-ou-non-quelles-differences\/","title":{"rendered":"\u00c9pargne r\u00e9glement\u00e9e ou non : quelles diff\u00e9rences ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Livret A, livret jeune, LDDS, LEP ou encore les livrets bancaires... de nombreux produits d'\u00e9pargne existent.&nbsp;Avant de placer ses \u00e9conomies, autant comprendre comment \u00e7a marche. Qu'est-ce qui diff\u00e9rencie l'\u00e9pargne r\u00e9glement\u00e9e de celle non r\u00e9glement\u00e9e ? De nombreux crit\u00e8res doivent \u00eatre pris en compte pour bien choisir. D'ailleurs il est possible d'avoir plusieurs de ces produits.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L'\u00e9pargne r\u00e9glement\u00e9e&nbsp;: qu'est-ce que c'est ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>L'\u00e9pargne r\u00e9glement\u00e9e est encadr\u00e9e par l\u2019\u00c9tat et suit des r\u00e8gles pr\u00e9cises d\u00e9finies dans le code mon\u00e9taire et financier,<\/strong> notamment en ce qui concerne les conditions d\u2019\u00e9ligibilit\u00e9, le fonctionnement (tel que le plafond), le taux de r\u00e9mun\u00e9ration, la fiscalit\u00e9, etc. Le <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-livret-a\/\" target=\"_blank\">livret A<\/a>, le <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-livret-jeune\/\" target=\"_blank\">livret jeune<\/a>, le <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-ldds-livret-de-developpement-durable-et-solidaire\/\" target=\"_blank\">LDDS<\/a> (Livret de D\u00e9veloppement Durable et Solidaire), le <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-lep-ou-livret-depargne-populaire\/\" target=\"_blank\">LEP<\/a> (Livret d\u2019Epargne Populaire), le <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-cel-compte-epargne-logement\/\" target=\"_blank\">CEL<\/a> (Compte Epargne Logement) et le <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-pel-plan-epargne-logement\/\" target=\"_blank\">PEL<\/a> (Plan Epargne Logement) sont des produits d'\u00e9pargne r\u00e9glement\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ces produits&nbsp;sont<\/strong>&nbsp;<strong>g\u00e9r\u00e9s&nbsp;par les \u00e9tablissements bancaires. \u00c0 noter que la<\/strong>&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/www.caissedesdepots.fr\/\" target=\"_blank\"><strong>Caisse des d\u00e9p\u00f4ts et consignation&nbsp;- CDC<\/strong><\/a> <strong>et par les \u00e9tablissements bancaires.<\/strong> La CDC, via le fonds d\u2019\u00e9pargne, centralise 60% des sommes issues du livret A et du LDDS, et 50% des sommes issues du LEP.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les fonds d\u00e9pos\u00e9s sur le livret A et le LDDS sont utilis\u00e9s pour financer (en transformant les d\u00e9p\u00f4ts en pr\u00eat)&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>les cr\u00e9dits aux petites et moyennes entreprises (PME)<\/li><li>le logement social<\/li><li>le secteur public local<\/li><li>le secteur de la transition \u00e9cologique<\/li><li>l\u2019\u00e9conomie sociale et solidaire<\/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\">Les principales caract\u00e9ristiques des produits d\u2019\u00e9pargne r\u00e9glement\u00e9e<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>S\u00e9curit\u00e9<\/strong> : le d\u00e9tenteur est assur\u00e9 de r\u00e9cup\u00e9rer les sommes d\u00e9pos\u00e9es.<\/li><li><strong>Rendement garanti<\/strong> : les int\u00e9r\u00eats sont vers\u00e9s annuellement en d\u00e9but d'ann\u00e9e.<\/li><li><strong>Le taux d'int\u00e9r\u00eat peut \u00eatre r\u00e9vis\u00e9<\/strong> deux fois par an (f\u00e9vrier et ao\u00fbt) pour s'adapter au contexte \u00e9conomique, \u00e0 l'exception des <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/taux-pel\/\" target=\"_blank\" rel=\"noreferrer noopener\">PEL<\/a>.<\/li><li>Il existe un <strong>montant d'\u00e9pargne maximum<\/strong> par produit. Lorsque ce plafond est atteint, le produit continue de produire des int\u00e9r\u00eats, mais aucun versement suppl\u00e9mentaire n'est possible.<\/li><li>Si \u00e9ligible, chaque individu ne peut d\u00e9tenir qu'<strong>un seul compte de chaque type simultan\u00e9ment<\/strong>.<\/li><li>Ces produits b\u00e9n\u00e9ficient d\u2019une<strong> exon\u00e9ration d'imp\u00f4t et de pr\u00e9l\u00e8vements sociaux<\/strong>, \u00e0 l\u2019exception des PEL et CEL.<\/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<p class=\"wp-block-paragraph\">Voir&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/tableau-des-produits-depargne-plancher-plafond-taux\/\" target=\"_blank\">notre tableau synth\u00e9tique des&nbsp;principaux produits d\u2019\u00e9pargne r\u00e9glement\u00e9e<\/a>&nbsp;(taux d'int\u00e9r\u00eat, plafonds...).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>\u00c0 noter\u00a0:<\/strong> Plus de 50 % des Fran\u00e7ais peuvent avoir acc\u00e8s au livret d\u2019\u00e9pargne populaire (LEP). Son taux d'int\u00e9r\u00eat est attractif : 2,5 % (1er ao\u00fbt 2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'\u00e9pargne d\u00e9pos\u00e9e sur un livret A, un LDDS et un LEP, est <strong>garantie en totalit\u00e9 par l\u2019\u00c9tat<\/strong>. <a rel=\"noreferrer noopener\" href=\"https:\/\/www.economie.gouv.fr\/particuliers\/garantie-bancaire-depots#\" target=\"_blank\">Plus d'informations sur la garantie bancaire des d\u00e9p\u00f4ts<\/a>. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les caract\u00e9ristiques des livrets et comptes, non r\u00e9glement\u00e9s<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les produits d'\u00e9pargne non r\u00e9glement\u00e9e ou les <strong><a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-livret-bancaire-ou-livret-b\/\" target=\"_blank\">livrets bancaires<\/a><\/strong> offrent des <strong>conditions plus souples, d\u00e9finies par les banques<\/strong> qui les proposent, dans le cadre de leur libert\u00e9 contractuelle, et non par l'\u00c9tat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Les caract\u00e9ristiques des livrets bancaires<\/strong> varient en fonction des banques :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Taux d'int\u00e9r\u00eat g\u00e9n\u00e9ralement compris entre 0,5 et 2 %, parfois plus \u00e9lev\u00e9s selon les offres promotionnelles (comme des taux boost\u00e9s ou bonifi\u00e9s, par exemple, pendant quelques mois apr\u00e8s la souscription).<\/li><li>Conditions d'\u00e9ligibilit\u00e9 moins restrictives.<\/li><li>Plafonds de d\u00e9p\u00f4t plus \u00e9lev\u00e9s, voire illimit\u00e9s.<\/li><li>Versements et retraits libres.<\/li><li>Possibilit\u00e9 d'en d\u00e9tenir plusieurs y compris au sein d'une m\u00eame banque.<\/li><li>Disponibilit\u00e9 variable.<\/li><li>Aucun risque, contrairement aux produits d\u2019\u00e9pargne financi\u00e8re, boursiers par exemple ou aux <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/quelle-assurance-vie-choisir\/\" target=\"_blank\">contrats d'assurance-vie<\/a> avec unit\u00e9s de compte.<\/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<p class=\"wp-block-paragraph\">Le contrat que vous signez avec la banque pr\u00e9cise la dur\u00e9e du produit, le fonctionnement du compte et le taux d'int\u00e9r\u00eat (fixe, progressif, variable) qui s'applique. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Les sommes d\u00e9pos\u00e9es sont garanties par le <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/comment-le-fonds-de-garantie-intervient-il\" target=\"_blank\">FGDR<\/a><\/strong> (Fonds de Garantie des D\u00e9p\u00f4ts et de R\u00e9solution), jusqu\u2019\u00e0 un montant maximum de 100 000 \u20ac par d\u00e9posant et par \u00e9tablissement, sauf exceptions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelle fiscalit\u00e9 pour les livrets bancaires ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Les int\u00e9r\u00eats per\u00e7us sont soumis&nbsp;au pr\u00e9l\u00e8vement forfaitaire unique <\/strong>(PFU<strong> <\/strong>appel\u00e9 aussi \u00ab<strong>&nbsp;flat tax&nbsp;<\/strong>\u00bb), au taux de <strong>30 %<\/strong> pour les int\u00e9r\u00eats 2025 (l\u2019imposition sur le revenu au taux de 12,8 % et les<strong> <\/strong>pr\u00e9l\u00e8vements sociaux de 17,2 %). Le nouveau taux de<strong> 31,4%<\/strong> s'appliquera pour les int\u00e9r\u00eats 2026 suite \u00e0 l'augmentation de la CSG.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est possible d'opter pour un <strong>taux progressif de l'imp\u00f4t<\/strong> sur le revenu. Cette option doit \u00eatre choisie lors de la d\u00e9claration annuelle de revenus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avant de choisir un produit d'\u00e9pargne non r\u00e9glement\u00e9e, prenez le soin de <strong>v\u00e9rifier le taux net apr\u00e8s imposition<\/strong>.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\">\u00c0 noter&nbsp;: Le PEL (Plan Epargne Logement) et le CEL (Compte Epargne Logement) sont \u00e9galement concern\u00e9s par le PFU.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment choisir son produit d'\u00e9pargne&nbsp;?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour choisir le produit d'\u00e9pargne qui vous convient le mieux, il est essentiel de <strong>prendre en compte vos <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/clarifiez-vos-objectifs-depargne\/\" target=\"_blank\">objectifs d\u2019\u00e9pargne<\/a>, vos projets et vos besoins<\/strong> personnels. Que vous cherchiez \u00e0 maximiser votre rendement, \u00e0 constituer une \u00e9pargne de pr\u00e9caution ou \u00e0 d\u00e9poser des sommes importantes, chaque individu a des priorit\u00e9s diff\u00e9rentes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, prenez soin de bien <strong>comparer les caract\u00e9ristiques des diff\u00e9rents produits disponibles avant de vous d\u00e9cider. <\/strong>Voici quelques \u00e9l\u00e9ments \u00e0 prendre en consid\u00e9ration : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>le taux d'int\u00e9r\u00eat net <\/li><li>les offres promotionnelles<\/li><li>la disponibilit\u00e9 des fonds : v\u00e9rifiez si vous pouvez retirer ou non votre argent \u00e0 tout moment, s'il y a des p\u00e9nalit\u00e9s en cas de retrait<\/li><li>le plafond de versement (le montant d'\u00e9pargne maximum), qui peut varier d'un produit \u00e0 l'autre<\/li><li>le risque associ\u00e9 au produit : les sommes d\u00e9pos\u00e9es et son rendement sont-ils garantis ou au contraire existe-t-il un risque de perte en capital ? <\/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<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Epargne r\u00e9glement\u00e9e ou non : quelles diff\u00e9rences ?\"<\/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:\/\/www.lesclesdelabanque.com\/particulier\/ouvrir-pel\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ouvrir un Plan \u00c9pagne Logement<\/a><\/li><li><a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/ouvrir-cel\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ouvrir un Compte \u00c9pargne Logement<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.economie.gouv.fr\/particuliers\/produits-epargne\" target=\"_blank\">Tout savoir sur les produits d'\u00e9pargne sur le site economie.gouv.fr<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/codes\/section_lc\/LEGITEXT000006072026\/LEGISCTA000006139941\/\" target=\"_blank\">Les produits d'\u00e9pargne (Articles L221-1 \u00e0 L224-40 CMF) sur  L\u00e9gifrance<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/codes\/id\/LEGISCTA000027643303\" target=\"_blank\">Les d\u00e9p\u00f4ts \u00e0 terme art. L 312-2 CMF sur L\u00e9gifrance<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/codes\/article_lc\/LEGIARTI000053278668\" target=\"_blank\">Le nouveau taux de 10,6% de la CSG sur L\u00e9gifrance<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/presse.economie.gouv.fr\/epargne-reglementee-le-livret-a-a-15-et-le-lep-a-25-a-compter-du-1er-fevrier-2026\/\" target=\"_blank\">\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><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\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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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/livret-A-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/livret-A-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Les livrets, comptes et plans...<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le livret A<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    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              <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/livret-bancaire-livret-b\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/livret-bancaire-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/livret-bancaire-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/livret-bancaire-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/livret-bancaire-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Les livrets, comptes et plans...<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le livret bancaire ou livret B<\/span>\n                <\/h3>\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 navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Livret A, livret jeune, LDDS, LEP ou encore les livrets bancaires... de nombreux produits d'\u00e9pargne existent.&nbsp;Avant de placer ses \u00e9conomies, autant comprendre comment \u00e7a marche. Qu'est-ce qui diff\u00e9rencie l'\u00e9pargne r\u00e9glement\u00e9e de celle non r\u00e9glement\u00e9e ? De nombreux crit\u00e8res doivent \u00eatre pris en compte pour bien choisir. D'ailleurs il est possible d'avoir plusieurs de ces produits. [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":16742,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":19,"views":23056,"viewed_at":"1778495869","newsletter":"1","_yoast_wpseo_primary_category":39,"footnotes":""},"categories":[30,98,39,37,276],"tags":[],"class_list":["post-16566","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-le-choix","category-les-contraintes-et-criteres-a-prendre-en-compte","category-les-livrets-comptes-et-plans-depargne","category-les-produits-depargne","category-mon-epargne"],"yoast_head":"<title>\u00c9pargne r\u00e9glement\u00e9e ou non : quelles diff\u00e9rences ? - Les livrets, comptes et plans d&#039;\u00e9pargne - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Livret A, livret jeune, LDDS, LEP (\u00e9pargne r\u00e9glement\u00e9e) ou livret bancaire ? 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