Then capable of variation rate drops to 3

Online banks have pulled the first. ING Direct guarantees until 30 November 6 for six months for first opening of the Livret Epargne Orange. Then, "capable of variation" rate drops to 3.3. The offer of Cortal Consors resonates in ECHO. The subsidiary of BNP Paribas offers subscription online of A booklet and that a booklet paid 6 for six months with a cheque for 36 euros. Conversely, the subsidiary of Société Générale, Boursorama Bank radio silence. There, not competing to attract the customer. No doubt one which proclaims it the "banking paradise" did not need fireworks of seduction. She prefers to emphasize the competitiveness of an offer where 15 banking are free (sending of checkbook, transfers in euro-zone and without value date, visa card, rights of custody...). Monabanq also cultivates the discretion. If it is already possible to "préréserver" its A booklet, the Bank would also sell its own savings booklet (3.75) and its growth booklet including "rate improves with time." Specifically, the holder is applying a base rate of 3.75, to which are added each year for four years a fidelity bonus (0.05) and a bonus savings (0.1) i.e. a total of 4.35. Beyond these promises, free banking services (safe and electronic signature, registration of the cheques with digital slips) are to enter as attractive gifts likely to switch the investor to the universe of a bank backed groups 3 Swiss and BNP Personal Finance online. Proselytist, AXA Bank understood the need to facilitate change of savers Ortega. In a few clicks, they download a model letter to their bank for the closing of their booklet and will offer 40 euros for a new request before 31 December. With respect to its own savings booklet, the subsidiary of the Group AXA offers 3.5 If the balance is less than EUR 4 beyond 15.300.

For their part, the big banks hone their weapons. Société Générale has devised a "booklet Preview" until 31 December to the benefit of the holder of a rate equivalent to that of the booklet. In January 2009, it will be automatically transferred on A booklet and the preview booklet will be then paid to the conditions of the account on ordinary booklet (3.50). At BNP Paribas, in addition to a Counsellor who will "conduct for you transfer approaches", the Bank offers the A 1 (5 gross). A superlivret Non. But a proposal for payments made in the execution of a contract of life insurance. The House booklet entitled "Savings account" and displays, such as Société Générale, a rate of 3.5. At LCL, the electronic signature for a booklet Cherry (3.75 gross) facilitate the task of the Bank in the race for the customers Not so sure. Because the future holder must hold to a libretto by sustainable development to the ceiling (6,000 euros), otherwise the pay drops to a derisory 2.25 gross. In addition, while the transfer of cash to a booklet is free in most of the banks online, the service named "gateway" in LCL is charged 13 euros per year. The alternative, the rhythmic Optilion II booklet to 3.5. But attention, here again! Interests are paid monthly on the current account. They then cease to be capitalized and therefore no longer generate their own interests. The account on Libretto by Credit Agricole reported 3.75, "but it is subject to change at any time." More advantageous, the Codebis reported 4.5, but it depends on the detention of a LDD on the ceiling.

On 3 historic distributors, resistance is so weak that the threat can be enormous. At the Caisse d'Epargne, the booklet A holds his "plan B". To generate a covetous, it sells a book B, whose rate of 3.5 is not unlike that offered by many competing institutions, just as it insists on a credit to 2.9 (before end of November) and a life insurance contract (5). La Banque Postale-orchestrated campaign of advertising "I love L.A." ("I like the book A") allows the afficionado to benefit from a booklet B, this time to 3. Otherwise, free to open an account on booklet. This "savings without limits", presented as a natural complement to the deferred booklets when they have reached their ceiling, sees its earnings decline as deposits accumulate (3.5 up to 50,000 EUR, 3 up to 150,000 euros and 2.5 over 150,000 euros). Mutual credit. Assistant to the Livret bleu (home of the booklet A clone) the booklet "from savings to others" (4 gross). Finish the selfish savings, here's a concept that offers the possibility to share at least 50 of the interest with humanitarian vocation associations. With the key a reduction of taxes in respect of the new taxation of interest returned to the associations. A generosity which reported, somehow!