# French Livret A savings account regulations

> Live situation record from CLSTR: https://clstr.news/situations/french-livret-a-savings-account-regulations
> Updated: 2026-09-11T05:30:07.000Z. Sources: 3. Developments: 2.

Regulations and management guidelines for the French Livret A savings account involve rules regarding account inactivity and interest accrual.

Under the Eckert Law, French banks are permitted to close accounts that have been inactive for five years, meaning no transactions have been initiated by the holder and no contact has been made with the bank. In such cases, funds are transferred to the Caisse des dépôts. While interest continues to accrue, failure to intervene can lead to the permanent loss of funds.

Regarding interest management, savers must navigate the ‘rule of the fortnight’ (règle des quinzaines), where interest is only calculated on fixed dates. For example, a deposit made on the 1st of a month does not begin earning interest until the 16th. Additionally, there is a personal deposit ceiling of 22,950 euros, though this limit does not apply to accumulated interest.

## Timeline

### 2026-09-11: Livret A savings: timing deposits and managing limits

French Livret A savers can avoid losing interest by timing deposits before the end of the month to account for the 'rule of the fortnight' and managing the 22,950 euro deposit ceiling.

2 sources. https://clstr.news/cluster/livret-a-savings-timing-deposits-and-managing-limits

### 2026-08-22: France's Eckert Law allows banks to close inactive Livret A accounts

Under France's Eckert Law, Livret A savings accounts can be declared inactive and closed after five years of no activity, with funds transferred to the Caisse des dépôts.

2 sources. https://clstr.news/cluster/frances-eckert-law-allows-banks-to-close-inactive-livret-a-accounts

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Cite as: French Livret A savings account regulations. CLSTR, https://clstr.news/situations/french-livret-a-savings-account-regulations