Savings book with a great A

Benefit from an individual online account adapted to your projects and your daily life.

A booklet

THE A booklet is a savings account on which it is possible to deposit your money in exchange for remuneration. The interest rate applied to the sums put on a booklet is set by the government and depends on inflation.

To open a booklet A, the saver must make a first payment of at least 10 euros. Livret A is capped : It is not possible to transfer money to this savings account beyond a certain amount. Only the payment of interests can allow the balance of booklet A to overcome this ceiling. This ceiling is 76,500 euros in 2016.

Hello Bank products!

Benefit from an individual online account adapted to your projects and your daily life.

A remunerated evolutionary savings book that increases as you save.

Take advantage of our best rate ! A refund at your pace and your file fees offered.

Take a light rate, and benefit from the advice of a real estate specialist to find the loan that suits you best.

Want to enjoy these advantages ? Count up to 3 ..

Make your request
completing
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Finalize your file: Signature online and Upload of supporting documents
One word for the end: welcome !

This lexicon was written in the 1st quarter of 2015. It is based on general definitions and studies considered reliable on the date of their dissemination but of which Hello Bank! does not guarantee accuracy or sustainability.

The elements of the lexicon are likely to evolve over time. Hello Bank! does not guarantee the regular update of this lexicon.

The lexicon cannot replace the product information sheet or the DICI of OPCs which in any event must be consulted above all investment to understand all the characteristics (in particular the recommended duration of investment, the cost, its tax impacts. ) and the linked risk (especially the risk of decline).

In the event of a contradiction, the product information sheet or the OPC DICI, the applicable general conditions and pricing take precedence in all cases the elements communicated in the lexicon.

The opinions and opinions issued in the lexicon, in particular on regulatory and tax aspects cannot engage the responsibility of Hello Bank!.

This information is given for a purely indicative basis and cannot, in any case, constitute an incentive to invest or to conclude this or that type of transaction, the investor being the sole judge of the opportunity of the operations that he may be brought to conclude.

Before any investment, the investor is invited to read the product (notably the DICI for OPCs or the product information sheet).
It is recommended not to invest all of its savings in investments likely to vary downwards and to invest only on supports with recommended investment durations compatible with the investor investor horizon.
The investor must ensure that the product corresponds by its nature and its risks and at the rate of the amount it plans to invest, in its financial situation and its heritage objectives.
Investments in the financial markets are subject to strong variations, upwards, as down, on more or less long periods. Hello Bank! has no influence on these variations.
Past performance does not guarantee future performance. They are not constant in time.
You are invited to consult your advisor to benefit from advice on the planned placement and ensure that it is adequate your financial profile.

A booklet
Savings with a large a !

Booklet A allows you to boost your savings thanks to 3 % remuneration and completely exempt interest in taxes and social security contributions.
With this booklet account, you feed your savings or that of your children without any management or account opening costs. What to live with a light spirit but the head full of projects !
And for easier you can open a book A to your children directly from your connected space or the Hello Bank application! . It’s simple, fast and secure.

Booklet A like “at your own pace”

Save as you see fit with the booklet A. Regular monthly or annual bonus, it’s up to you to feed it according to your financial situation, within the limits of a generous ceiling of € 22,950.

Livret A as “accessible”

• Remove all or part of the funds from your booklet A.
• Perform online payments, free and safe.
• Consult your balance 24/7 from your customer area, accessible from your computer, tablet or smartphone.

Your booklet has in a few words

Profitable 3 % net savings
Advantageous no taxes or social security contributions from the perceived interests
Available your accounts accessible 24 hours a day, wherever you are
Adaptable you feed your booklet A at your own pace
Free no opening and account management costs

Free, easy to use, available ..
Nothing easier to put money aside with a booklet A !
And for your children, subscribe directly from your customer area on the site or the hello bank application!.

How to open your booklet A
in a few clicks ? To take advantage of your booklet to you must first open a Hello Bank current account!.

Make your request by completing our form
Finalize your file: Signature online and download supporting documents
One word for the end: welcome !

The legal notices of the booklet A

Legal notices, simple and in summary !

Conditions of eligibility

The booklet, for whom ?

The booklet A can be opened by any adult natural or minor without condition of nationality or tax residence in France.

And how ?

To open an account on booklet A You must, beforehand, open a Hello Bank current account! , if it is not done yet !

The interests

In details

The sums paid on the booklet account have an interest from the first day of the fortnight following the payment or the transfer (the 16 of the same month or the 1st of the following month). The sums withdrawn cease to bear interest from the first day of the fortnight during which the withdrawal comes (i.e. the 1st or 16).

The Wise Council

For an optimal placement of your savings, make your payments shortly before the 16 or the 1st of the month and your withdrawals shortly after the 15th or 30 !

Payments and withdrawals

Pour

Initial payment of € 10 minimum.

Feed

Subsequent payments of € 10 minimum per operation. They are free or automatic and completely free.

Withdraw

Free and free withdrawals, from 10 € minimum by operation. Livret A must always present a minimum balance of € 10 under penalty of fence.

Ceiling

The Livret A ceiling is € 22,950. This ceiling can only be exceeded by the capitalization of interests.

Taxation

You don’t even have to lift your little finger !

Remuneration is 3 % net of taxes and social contributions. The acquired interests are paid on December 31 of each year and themselves become productive interests.

Livret closure

You can close the booklet A at any time and for free !

• “Is my savings available at any time ? »»
• “What are the interest rates of savings booklets ? »»
• “How to transfer a savings account to Hello Bank! ? »»