Why are savvy savers emptying their Livret A savings accounts in favor of fixed-term accounts in March 2026?

While several safe-haven savings options exist in France, the Livret A has long been the flagship product. For the past few years, the Livret A rate has been declining, and last February it fell to 1.50%, compared to 1.70% in January 2026. A few years ago, the Livret A rate was 3%.

With rising purchasing power, savers are looking for more advantageous ways to make their investments profitable. For several months now, Trade Republic has established itself as the online bank accessible to everyone, and above all, accessible to all. From your smartphone, you can invest in stocks and other assets, as well as track your spending and save. Opening a Trade Republic account is very easy, taking less than 10 minutes and can be done from your smartphone.

Save every day with Trade Republic

Trade Republic now has more than 10 million customers in 18 European countries. This German neobank has already paid out more than €2.5 billion in interest to its customers. In fact, with Trade Republic, your current account earns you 2% interest per month. The advantage? You can withdraw your money at any time.

Another solution offered by Trade Republic for easy saving is the option to round up your card payments with Roundup and invest the difference in the asset of your choice. You also receive 1% saveback on your card spending in your savings plan.

Trade Republic allows you to create savings plans free of charge, as well as a fully online children's savings plan. This last plan is managed by you until the child turns 18.

At Trade Republic, there are no monthly subscription fees, and your withdrawals are free and unlimited worldwide starting from €100. Don't wait any longer to start building your savings.

Click here to open a Trade Republic account

This content was created by an expert from the BFMTV shopping team, independent of the BFMTV.com editorial team. Prices shown are indicative and subject to change. BFMTV may receive compensation when one of our readers makes a purchase through the links in this article.