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Comparison of Instant Access Savings Accounts

	Livret de Développement Durable	Livret A	Livret HSBC 2A	Interest-Bearing Account	Livret Jeune
Interest	2.25 %⁽¹⁾	2.25 %⁽¹⁾	2.00 %⁽²⁾ up to €15 300; 2.50 %⁽²⁾ between €15 300 and €30 600; 1.75 %⁽²⁾ over	1.75 %⁽³⁾	3.25 %⁽⁴⁾
Who is eligible?	Any taxpayer whose is tax resident in France⁽⁵⁾. A limit of 2 passbook accounts per tax household	Anyone	Offer linked to the Livret A, subject to conditions⁽⁶⁾	Anyone	Any young person between 12-25 years of age whose is tax resident in France⁽⁵⁾
Availability	Immediate	Immediate	Immediate	Immediate	Immediate
Upper limit of deposits	€6 000⁽⁷⁾	€15 300⁽⁷⁾	Unlimited	Unlimited	€1,600⁽⁷⁾
Taxation of interest for individual customers tax resident in France	Exempt⁽⁸⁾	Exempt⁽⁸⁾	Taxation of interest⁽⁹⁾	Taxation of interest⁽⁹⁾	Exempt⁽⁸⁾
Number of passbook accounts per account holder	1 only⁽¹⁰⁾	1 only⁽¹¹⁾	1 only	Unlimited	1 only ⁽¹⁰⁾
Account Management	Free: online with “Ma banque en ligne“⁽¹²⁾ by telephone at 0810 24 68 10⁽¹³⁾ or in your local branch
Opening an Instant Access Savings Account
If you’re an existing HSBC customer	Connect to "Ma banque en ligne" and apply online⁽¹⁴⁾				Arrange an appointment at your local branch by calling ^{0 810 2 4 6 8 10⁽¹³⁾}
Not yet a HSBC customer	Arrange an appointment at your local branch by calling 0 810 2 4 6 8 10⁽¹³⁾

(1) Nominal annual net interest rate current at 01/08/2011. This rate is subject to change by the public authorities.
(2) Interest rates exclude taxes and social security deductions under current regulations. Since 01/01/2012, interest will be paid at 2.00% on deposits up to €15,300 and 2.50% on deposits between €15,300 and €30,600. Since 09/01/2011, the interest rate payable on the portion of deposits in excess of €30,600 is 1.75%.The Livret HSBC 2A savings account is reserved for customers holding a Livret A account with HSBC France who have reached the regulatory deposit limit (currently €15,300). Interest paid in respect of a Livret 2A account to individuals domiciled in France for tax purposes is subject to withholding at the rate applicable when interest is paid, or, when requested in advance, according to the sliding scale applicable to income tax. Interest is also subject to the social security deductions current on payment.
(3) Nominal annual gross interest rate current at 01/09/2011, excluding tax and social security deductions imposed by current regulations.
(4) Nominal annual net interest rate current at 01/09/2011 at HSBC France.
(5) Condition applicable to the opening, but not the retention, of the account.
(6) The Livret HSBC 2A savings account is reserved for customers holding a Livret A account with HSBC France who have reached the regulatory deposit limit (currently €15,300).
(7) Current regulatory limit applicable to deposits made by individuals; this limit can only be exceeded by subsequent interest accrual.
(8) A special passbook savings account offered by Crédit Mutuel.
(9) Taxation of interest at the withholding tax rate current when the interest is collected or, optionally, based on the sliding scale of income tax. In both cases, interest is also subject to the social security deductions current on payment.
(10) Products subject to the principle of one account for all banks. Only individuals domiciled in France for tax purposes may open an LDD or Livret Jeune savings account. Only individuals aged between 12 and 25 may open a Livret Jeune account. The Livret Jeune account will automatically be closed on 31st December of the year in which the holder turns 25. Up to two LDD accounts per household.
(11) An individual may only hold one Livret A account or one special Livret Bleu savings account with Crédit Mutuel, with a single bank in France.
(12) Excluding of the cost of the Internet connection.
(13) Cost of a local call from a landline in mainland France.
(14) Minors and individuals who are not tax resident in France should contact their local branch.

Comparison of Instant Access Savings Accounts

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