{"id":178,"date":"2026-07-15T07:00:00","date_gmt":"2026-07-15T05:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2020\/01\/31\/le-livret-a\/"},"modified":"2026-07-15T14:54:59","modified_gmt":"2026-07-15T12:54:59","slug":"livret-a","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/livret-a\/","title":{"rendered":"Le livret A"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Ce produit d'\u00e9pargne r\u00e9mun\u00e9r\u00e9 est accessible \u00e0 tous les particuliers (mineurs y compris) et \u00e0 certaines personnes morales. Il est commercialis\u00e9 par tout \u00e9tablissement de cr\u00e9dit habilit\u00e9 \u00e0 recevoir des fonds du public.<br><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Les caract\u00e9ristiques du livret A<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Plafond de d\u00e9p\u00f4t : 22 950 \u20ac (hors int\u00e9r\u00eats) depuis le 1er janvier 2013 (76 500 \u20ac pour les associations type associations, syndicat de copropri\u00e9t\u00e9s...)<\/li><li>Solde minimum : 10 \u20ac (sauf pour un \u00e9tablissement o\u00f9 il est fix\u00e9 \u00e0 1,5 \u20ac)<\/li><li>Dur\u00e9e : illimit\u00e9e<\/li><li>Disponibilit\u00e9 : imm\u00e9diate<\/li><li>Performance : le taux d'int\u00e9r\u00eat passe \u00e0\u00a0<strong>1,7\u00a0%<\/strong>\u00a0<strong>\u00e0 partir du 1<sup>er<\/sup>\u00a0ao\u00fbt 2026<\/strong> (contre 1,5% en f\u00e9vrier 2026)<\/li><li>Fiscalit\u00e9 : aucune<\/li><li>Ouvert aux majeurs et aux mineurs<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">\u00c0 savoir : Le taux d'int\u00e9r\u00eat est normalement r\u00e9vis\u00e9 tous les 6 mois. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment fonctionne un livret A ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous ne pouvez pas avoir plusieurs livrets A (non cumulable avec livret bleu ouvert apr\u00e8s le 01\/09\/1979). Avant toute ouverture, la <strong>banque <\/strong>proc\u00e8de donc \u00e0 des v\u00e9rifications aupr\u00e8s de l'<strong>administration fiscale<\/strong> qui r\u00e9pond dans les 48 heures. En cas de d\u00e9tention, la banque vous propose de choisir<strong>&nbsp;une des 3 solutions <\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>cl\u00f4turer vous-m\u00eame le livret A d\u00e9j\u00e0 existant,<\/li><li>autoriser la banque \u00e0 effectuer les formalit\u00e9s de cl\u00f4ture et \u00e0 virer les fonds sur le nouveau,<\/li><li>renoncer \u00e0 la demande d'ouverture.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Il fonctionne sans <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-chequier-ou-carnet-de-cheques\/\" target=\"_blank\"><strong>ch\u00e9quier<\/strong><\/a>, ni <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/la-carte-de-paiement-pour-les-paiements-et-les-retraits\/\" target=\"_blank\"><strong>carte de paiement<\/strong><\/a>. Cependant, vous pouvez demander 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> Vous pourrez l'utiliser uniquement aux <strong><a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/utiliser-sa-carte-bancaire-en-france-aux-distributeurs-dab-et-gab\/\" target=\"_blank\" rel=\"noreferrer noopener\">distributeurs de billets<\/a><\/strong> du r\u00e9seau bancaire o\u00f9 votre <strong>livret A<\/strong> est ouvert. Par exception, vous pouvez y domicilier des pr\u00e9l\u00e8vements en faveur de certains organismes (fournisseur d'\u00e9lectricit\u00e9, imp\u00f4ts, etc.).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le montant <strong>minimum des op\u00e9rations est fix\u00e9 \u00e0 10 \u20ac<\/strong> (1,5 \u20ac pour un \u00e9tablissement).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il n'est pas possible de transf\u00e9rer son livret A d'une banque \u00e0 une autre. Il faut le cl\u00f4turer pour en ouvrir un autre dans un autre \u00e9tablissement. La cl\u00f4ture du livret A intervient dans les 15 jours ouvr\u00e9s de la demande.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cas de livret inactif, il convient de se renseigner aupr\u00e8s du service en ligne <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/ciclade-un-site-pour-retrouver-votre-argent\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ciclade<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les int\u00e9r\u00eats du livret A<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le taux d'int\u00e9r\u00eat du livret A passe \u00e0\u00a0<strong><strong>1,7\u00a0%<\/strong><\/strong>\u00a0<strong>au 1<sup>er<\/sup>\u00a0ao\u00fbt 2026.<\/strong><\/strong> Il r\u00e9sulte d'une formule de calcul \u00e9tablie par d\u00e9cret, comme la moyenne sur les 6 derniers mois des <strong>taux mon\u00e9taires<\/strong> et de la <strong>variation annuelle de l'indice des prix \u00e0 la consommation<\/strong> (hors tabac) de l'ensemble des m\u00e9nages, avec un <strong>taux plancher<\/strong> de 0,50 %. Ainsi, si le taux calcul\u00e9 selon la formule est inf\u00e9rieur \u00e0\u00a00,5\u00a0%, c'est le taux plancher de\u00a00,5\u00a0%\u00a0qui s'applique.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cas de changement de taux, le nouveau taux s'applique aux livrets A d\u00e9j\u00e0 souscrits.<\/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> et port\u00e9s sur votre compte une fois par an. Les<strong> int\u00e9r\u00eats du livret A sont exon\u00e9r\u00e9s d'imp\u00f4t et de pr\u00e9l\u00e8vements sociaux.<\/strong><\/p>\n\n\n\n<h4 class=\"has-normal-font-size wp-block-heading\">En compl\u00e9ment de l'article : \"Le livret A\" : <\/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 rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000052009310\" target=\"_blank\"><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><\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006072026\" target=\"_blank\"><\/a><a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/codes\/section_lc\/LEGITEXT000006072026\/LEGISCTA000006170272\" target=\"_blank\">L\u00e9gifrance - Livret A aux art. L 221-1<\/a> <a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/codes\/id\/LEGIARTI000020030846\" target=\"_blank\">et R 221-1 et s. C. mon. et fin.<\/a> <\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/eli\/decret\/2020\/2\/5\/ECOT1911704D\/jo\/texte\" target=\"_blank\"><\/a><a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/loda\/id\/JORFTEXT000041539658\" target=\"_blank\">L\u00e9gifrance - D\u00e9cret n\u00b0 2020-93 du 5 f\u00e9vrier 2020 relatif au plafond du livret A applicable aux syndicats de copropri\u00e9taires<\/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\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g 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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/LEP-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/LEP-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/LEP-_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\">Qu&#039;est-ce que le livret d&#039;\u00e9pargne populaire (LEP) ?<\/span>\n                <\/h3>\n 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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/GettyImages-975814434-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/GettyImages-975814434-_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\">L&#039;\u00e9pargne de pr\u00e9caution<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Privil\u00e9gier la disponibilit\u00e9 de l&#039;\u00e9pargne et des placements<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        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particuliers (mineurs y compris) et \u00e0 certaines personnes morales. Il est commercialis\u00e9 par tout \u00e9tablissement de cr\u00e9dit habilit\u00e9 \u00e0 recevoir des fonds du public. Les caract\u00e9ristiques du livret A Plafond de d\u00e9p\u00f4t : 22 950 \u20ac (hors int\u00e9r\u00eats) depuis le 1er janvier 2013 (76 500 \u20ac [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":4846,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":33,"views":25095,"viewed_at":"1778493186","newsletter":"0","_yoast_wpseo_primary_category":39,"footnotes":""},"categories":[39,37,276],"tags":[],"class_list":["post-178","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>Le livret A - Les livrets, comptes et plans d&#039;\u00e9pargne - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Le livret A est un produit d&#039;\u00e9pargne r\u00e9mun\u00e9r\u00e9. 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