Boursorama savings book: What solutions offered in 2023 

This Boursorama Bank savings book works as the account on booklet. However, he has two differences: he pays a yield far superior to the classic CSL (currently 2% gross per year) but in return he is capped. You can place between 100 and 30,000 euros at most on this Bourso booklet+. It is therefore an interest in filling this booklet first before switching your savings greater than 30,000 euros on the account on a classic booklet.

BOURSO BOOK+

Offer reserved for adults and capable, and valid for any first effective opening of an individual stock market banking account (excluding Boursorama Banque professional account, excluding specific supply, see tariff brochure) with concomitant bank card request made from 08/01/2023.

The account opening request is reserved for any new customer beneficiary of the “BRS100” commercial offer code.

A bonus of € 20 for the opening of a Boursorama Banque bank account. The sum of € 20 will be credited to the bank account on the day of its effective opening.
And

A premium 80 € for ordering a WELCOME or Ultim bank card: € 80 of premium for any order of WELCOME or Ultim bank card carried out concomitantly at the request for a bank account opening, and accepted by Boursorama Banque. The sum of € 80 will be credited to the bank account on the day of its effective opening subject to acceptance of the bank card application file by Boursorama Banque.
Or
Free of the first 8 contributions for the subscription of the Metal offer: you benefit, in accordance with the price brochure, from the free eight first contributions for the subscription of the concomitant metal offer at the request of opening a first Banking account (tariff in force on 08/01/2023, subject to change of pricing policy by Boursorama), subject to acceptance of your file by Boursorama. A payment of 80 cents will be paid on the same bank account in the 8th month.

In the event of subscription via the route in the application (eligible for Welcome, ultimous cards with systematic authorization only): the file must be complete and comply with the opening of the bank account via the application. Any incomplete file after 5 working days will have to be redone since the first stage of the subscription route. The first payment must reach Boursorama Banque once the electronic signature of the contract is made and the request for a bank card accepted by Boursorama Banque, to open the right to the payment of the commercial premium.

In case of subscription without the application (eligible for Welcome cards, ultimous with systematic authorization only): the file must be complete and conform within two months of the initial request: all supporting documents (outside the first payment, unless the latter is made by check in the event of paper subscription) must be attached before this date. The first payment will have to reach Boursorama Banque no later than 5 working days after receipt of the email which will indicate to the new customer that it can proceed to this first payment to open the right to the payment premium.

Offer limited to a single offer per person and not combined with any other Boursorama Banque offer.

In the event of closing of the customer’s account, either on the initiative of the customer himself, or on the initiative of Boursorama Banque in the event of seriously reprehensible behavior of the customer, during the 24 months following their effective opening, Boursorama Banque reserves the right to deire the amount corresponding to the premium or welcome premiums from which he benefited within the framework of this commercial offer.

Boursorama savings book: What solutions offered in 2023 ?

Boursorama Banque is an establishment that covers all types of products, from the current account through savings and credit. To make its risk -free capital grow, the online bank offers its customers many solutions.

On this type of product, Boursorama Banque is also the most complete on the market. You have the traditional regulated savings booklets such as booklet A, LDDS, CEL or PEL, but also specific investments in the bank. This is the case of the booklet account (CSL), the account on a young booklet or the Bourso booklet+. The latter is new and it is more remunerative than the CSL. Its disadvantage ? He is capped.

The Boursorama booklet account (CSL)

The Boursorama booklet account is a paid account by the bank. Regardless of the duration of the savings product or the amount deposited, its annual rate amounts to 0.05% gross per year. The gains, calculated by fortnight, are thus added each year to the capital. An interest simulation tool exists on the bank’s website. Just fill in the initial amount, regular monthly payments and the duration of the placement to calculate the gain.

The big advantage of the Boursorama Banque booklet (CSL) lies in the absence of a payment limit. In other words: the customer can make deposits as much as he wants, at any time and in an unlimited manner. Opening an account on Boursorama booklet is also free. Likewise, online bank has no fence costs or management fees. Money is available at any time and operations are done online, independently, 24 hours a day, 7 days a week. It will be necessary to deposit at least 10 euros to claim it.

Good to know : Parents can open an account on booklet to their children.

The Bourso Bourse+

This Boursorama Bank savings book works as the account on booklet. However, he has two differences: he pays a yield far superior to the classic CSL (currently 2% gross per year) but in return he is capped. You can place between 100 and 30,000 euros at most on this Bourso booklet+. It is therefore an interest in filling this booklet first before switching your savings greater than 30,000 euros on the account on a classic booklet.

The Bourso+ booklet is an originality developed by Boursorama Banque at the beginning of 2023. With the rise in rates, online bank wants to anticipate the market and offer limited investments with a very attractive return. Boursorama Banque thus offers more attractive pricing than all its rivals with this formula. He is subject to PFU.

Booklet A: Safety, liquidity and taxation

The Livret A at Boursorama Banque is a regulated and tax -free booklet. In other words: the parameters of this product depend on the choices of the government and the gains are exempt from income tax and social security contributions. Livret A is the favorite savings product of the French. For what ? By securing capital which is guaranteed. Also by liquidity which allows you to withdraw your money at any time. And finally by the advantages of his taxation.

The rate of booklet A has been 3% net since February 1, 2023. It is likely to be revised by the state up to 2 times a year. On the other hand, the booklet A does not allow to pay beyond 22,950 euros. It is therefore a practical and useful kitty in the event of hard strokes or unforeseen expenses. The operations on the Livret A Boursorama Banque take place online, at any time and in a few moments. Better still, these movements but also the opening, closing and management do not cause any costs for the holder.

LDDS, the complementary booklet to the booklet A

The Sustainable and Solidarity Development Booklet (LDDS) is also a regulated and tax -free savings booklet. It has the same characteristics as the booklet A. Its interest rate, determined by the executive, amounts to 3% net. The subscribers take advantage of an exemption from capital gains on income tax and social security contributions. Always like booklet A, the Boursorama LDDS is free (opening, closing, management, withdrawals, payments) and unlimited duration.

What are the differences between the LDDS and the booklet A ? The Sustainable and Solidarity Development Booklet of Boursorama is only intended for adults, justifying the status of French tax resident. The payment ceiling of this Boursorama savings book is lower than that of the booklet A: 12,000 euros. Finally, the use of funds is not the same. Booklet A is used to finance social housing, when LDDS funds are oriented towards energy savings.

PEL/CEL for habitat credits

Boursorama Banque is one of the few online banks to distribute the PEL and the CEL. What are these Savings Housing Plans and these Savings Housing Accounts ? These are attractive solutions to finance projects type small development or real estate purchase. Their interest: thus build a personal contribution to win a mortgage and take advantage of an advantageous rate loan.

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