Best savings accounts in France

Checked on 28 September 2026. 13 savings accounts, term deposits and money market funds from 12 providers accept someone resident in France. The three highest rates:

• Raisin, Deposit marketplace at 4.25%, fixed term, no minimum, deposit guarantee: the partner bank's national scheme, up to €100,000.
• Trading 212, Interest on cash (Trading 212 EU GmbH) at 4.20%, instant access, no minimum, deposit guarantee: Germany, up to €100,000.
• bunq, Easy Savings at 3.01%, instant access, no minimum, deposit guarantee: Netherlands, up to €100,000.

10 of the 13 are covered by a national deposit guarantee scheme. The best rate you can withdraw at any time is 4.20% at Trading 212, and the best fixed term is 4.25% at Raisin. Rates are variable unless the entry says the term is fixed.

What to know if you live in France

Deposits are covered up to €100,000 per person per bank by the Fonds de Garantie des Dépôts et de Résolution, plus €500,000 for money received in the three months before a failure from a home sale, retirement capital, an inheritance or a severance payment (FGDR). The Livret A, the LDDS and the LEP sit outside that entirely: they are guaranteed by the State.

Interest is taxed at a flat 12.8% plus social levies, 17.2% on 2025 income and 18.6% on 2026 income, so 30% and then 31.4% in total (service-public.gouv.fr). A French bank withholds it and you recover it through box 2CK. A bank in another country withholds nothing, so you report the interest on form 2047 and carry it to box 2TR. Every account held abroad must also be declared on form 3916, with a €1,500 penalty per account if it is not (impots.gouv.fr).