Livret A + Livret HSBC 2A

By opening a Livret A passbook savings account at HSBC France, you will receive an attractive interest rate on deposits of up to €15,300⁽⁴⁾. Once this limit has been reached, you can boost your savings by opening a Livret HSBC 2A, which provides instant access to your money and has no upper limit.

Features of the Livret A⁽³⁾

• Interest on your savings of 2.25 %⁽⁵⁾
• No tax or social security deductions⁽⁶⁾
• Instant access to your savings
• Deposits of up to €15,300⁽⁴⁾.

Features of the Livret HSBC 2A

• Interest of:
  - 2.00 %⁽⁷⁾ on deposits up to €15,300
  - 2.50 %⁽⁷⁾ on deposits between €15,300 and €30,600
  - 1.75 %⁽⁷⁾ for deposits in excess of this amount
• Instant access to your savings
• No upper limit on deposits.

If you make a deposit now, you will benefit from an interest rate of 2.70%⁽⁷⁾ on amounts between €15,300 and €30,600.

Who can apply via Ma banque en ligne?

The Livret A + Livret HSBC 2A offer is available to all HSBC France customers over 18 who are French tax residents and do not hold a Livret A or a Livret Bleu account⁽⁸⁾ in any other bank on the date the account application is made.

For further information, read the general terms and conditions

(1) Cost of a local call from a landline phone in mainland France, from 8am to 10pm Monday to Friday and from 9am to 5.30pm on Saturdays
(2) Costs vary between countries. Contact your operator for information.
(3) An individual may only hold one Livret A account or one special Livret Bleu savings account with Crédit Mutuel, with a single bank.
(4) Savings are limited to €15,300, which is the current regulatory limit applicable to payments made by individuals into a Livret A savings account. This limit may only be exceeded through interest payments. 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). There is no upper limit on savings in the Livret HSBC 2A.
(5) Current nominal net annual interest rate, subject to variation. Interest generated on sums deposited in a Livret A passbook account is exempt from income tax and social security deductions in France under current regulations.
(6) Under current regulations.
(7) 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% at 01/09/2011. 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.
(8) A special passbook savings account offered by Crédit Mutuel.

Whether you want to manage your cash short term, build savings for a rainy day or simply see your money grow over the long term, combine the advantages of the Livret A with the Livret HSBC 2A and enjoy instant access to your savings.

Enjoy a preferential rate of interest with your Livret A⁽³⁾

If you open a Livret A with HSBC France, you will receive interest of 2.25 %⁽⁴⁾ on deposits of up to €15,300⁽⁵⁾.

Under current regulations, interest paid on sums deposited in a Livret A passbook account is exempt from income tax and social security deductions.

Do you want to receive a generous return on your savings of up to €15,300⁽⁵⁾? Open a Livret A account online right now.

You can open a Livret A passbook savings account at HSBC France if you do not already hold a Livret A or a Livret Bleu⁽⁶⁾ account. To benefit from the HSBC France offer, you must first close or transfer any passbook savings accounts you hold with another bank to HSBC France.

…then "Boost" your savings with the Livret HSBC 2A

Once you reach the limit on your Livret A account, you can continue to enjoy a generous return by opening a Livret HSBC 2A.

The Livret HSBC 2A supplements your HSBC France Livret A with an interest rate of 2.20 %⁽⁷⁾ on amounts up to €15,300, 2.70 %⁽⁷⁾ on deposits between €15,300 and €30,600, and 1.75 %⁽⁷⁾ on additional amounts, with no upper limit.

However, you can opt in advance to be taxed according to the sliding scale applicable to income tax.

This option should be weighed up in light of your tax position.

Interest is also subject to the social security deductions current on payment.

If you have reached the €15,300⁽⁴⁾ limit on your HSBC France Livret A account, you can enjoy the advantages offered by the Livret HSBC 2A! Open an account online right now. All you need is €100.
Please note:
The following conditions must be met both to open and keep your Livret HSBC 2A account:
- You must hold a Livret A account with HSBC France with the maximum balance as set by the regulations.
- The balance of your Livret HSBC 2A must remain over €100 for 6 months.

How can you maximise your return?

The interest that you earn is calculated by calendar fortnight. Make your payments at the end of each fortnight (before the 16th or 1st of the month) and your withdrawals at the start of each fortnightly period (after the 15th or the 30th/31st of the month). In this way you can earn maximum interest on your savings.
Please note: transactions only take effect 24 business hours later.

Payments and withdrawals are free of charge and can be made at any time. This means that you have constant access to your savings.

Reminder of features through Ma banque en ligne

Download the general terms and conditions of the Livret A and Livret HSBC 2A
Download the terms and conditions for applying for the Livret A and Livret HSBC 2A over the phone or online
Download the general terms and conditions of the Livret HSBC 2A
Download the terms and conditions for applying for the Livret HSBC 2A over the phone or online

(1) Cost of a local call from a landline phone in mainland France, from 8am to 10pm Monday to Friday and from 9am to 5.30pm on Saturdays
(2) Costs vary between countries. Contact your operator for information.
(3) An individual may only hold one Livret A account or one special Livret Bleu savings account with Crédit Mutuel, with a single bank.
(4) Current nominal net annual interest rate, subject to variation. Interest generated on sums deposited in a Livret A passbook account is exempt from income tax and social security deductions in France under current regulations.
(5) Savings are limited to €15,300, which is the current regulatory limit applicable to payments made by individuals into a Livret A savings account. This limit may only be exceeded through interest payments. 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). There is no upper limit on savings in the Livret HSBC 2A.
(6) A special passbook savings account offered by Crédit Mutuel.
(7) 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% at 01/09/2011. 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.

Sign up in 4 simple steps

Step 1: Choose the savings account you want.

Step 2: Sign up and chose your payments by filling out the online form.

Step 3: Confirm or amend your subscription after checking the information entered, then register your details by validating the form.

Step 4: Print out the confirmation page. You will receive a confirmation message when your savings account is opened.