Livret A at €30,000: €120 more in interest, but still losing out to inflation?

France will raise the Livret A savings account ceiling on February 1, with government spokesman Sébastien Lecornu telling the National Assembly on November 3 that the cap will move from the €22,950 level frozen since 2013 to at least €25,000 and possibly €30,000. At the current interest rate, a fully funded account at €30,000 would generate only about €120 in additional annual interest compared with today's ceiling, leaving real returns negative once inflation is factored in. The change matters because the Livret A is France's most widely held savings product, and a higher cap without a higher rate may push savers to look elsewhere for inflation-beating yields. The article, published by Cryptoast, frames the move as a prompt to compare the state-backed account with alternative vehicles. What to watch next is the final ceiling and rate set for February 1, and whether inflows shift toward higher-yielding alternatives.