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What savings for under-18s?
Publié le null - Directorate for Legal and Administrative Information (Prime Minister)
Livret A, livret jeunesse, savings account housing (CEL)... Maybe you're thinking of opening a savings book for your children, nephew or grandchildren? But do you know what types of booklets are available to people under 18? Service-Public.fr take stock.
![Image 1](https://www.service-public.fr/webapp/images/actu/actuextralarge/I3923.jpg)
In terms of savings, it is possible to open to a minor:
- one booklet A ;
- one young booklet (from 12 years of age);
- one home savings account (CEL) ;
- one housing savings plan (PEL).
Name | Conditions | Ceiling | Availability | Interest | Cumulation |
---|---|---|---|---|---|
1 livret A or livret du Crédit Mutuel per person | €22,950 | Funds available | 2% per year (to 1er August) | Possible | |
- From 12 to 25 years - 1 youth booklet per person | €1,600 | - Funds available - Withdrawals subject to authorization before 16 years | At least 2% per year (to 1er August) | Possible | |
Do not have another EL or ELP in another facility | €15,300 | Funds beyond €300 available | 1.25% per year (to 1er August) + soft loan (and state premium if opened before 2018) | Possible, but if it is with a PEL, it must be subscribed in the same bank as the CEL | |
Not have another ELP or ELC in another establishment | €61,200 | Withdrawal leads to closure of the ELP, it can be transformed into an ELC. | 1% per year + reduced rate loan (and State premium if opened before 2018) | Possible, but if it is with a CEL, it must be subscribed in the same bank as the PEL |
Additional topics
Service-Public.fr
Banque de France
Ministry of Economy
Agenda
Plateforme Mon Master
Du 4 juin au 31 juil. 2024
Publié le 06 juin 2024