In an unstable economic context marked by inflation, investing in high-performance and secure assets becomes essential. This is why banks are adapting and offering new, more efficient types of savings accounts: super savings accounts. What are their characteristics? Their advantages? We tell you everything.

What is a great booklet?

A super bank account is an unregulated savings product which offers a higher than average rate of remuneration. This rate is freely set by the bank. Apart from that, it works exactly like a Livret A with flexible deposits and withdrawals. It should still be noted that the return on a super savings account is not tax-exempt. It is subject to the flat tax of 30% (12,8% income tax and 17,2% social security contributions).

Why open a great booklet?

In reality, there can be several reasons for opening a super savings account with a banking establishment. The first is relatively common, since it simply involves having reached the savings account limit. Once these are achieved, it will be completely normal to turn to this investment for increase your interests with a boosted booklet. The second reason could simply be to want to take advantage of the attractive annual rates of around 4% in order to continue to grow. your money safe.

Boosted rates over a given period are also interesting if you need to transfer a large sum to an account, particularly for a real estate project. During the months of your research, you maximize your short-term return.

But even for long-term investments, super savings accounts remain attractive thanks to their superior profitability combined with flexibility not found in other types of accounts.

The advantages of the super booklet

The super booklet offers several advantages for individuals. We present them to you in detail.

Higher ceilings than those of regulated savings accounts

Super bank accounts offer much higher deposit limits than regulated savings accounts. A way for you to invest larger amounts in order to build your security savings.

Savings available at any time

Another advantage of super booklets is that the funds they contain are available at any time. Unlike other savings products which impose restrictions on withdrawals, super savings accounts offer much more flexibility.

Attractive opening bonuses

Many banks offer welcome bonuses when opening a super savings account. A significant financial gain which is added to the boosted rates offered over a limited period.

No opening and account maintenance fees

A super bank book does not incur any opening or account maintenance fees. An aspect which contributes to its profitability, but also to its practical side.

The possibility of accumulating super savings accounts to increase your savings

In many cases, it is possible to accumulate several super savings accounts from different banks. This strategy allows you to optimize the return on your savings at advantageous rates.

A secure savings account

If you want to invest your savings, but fear the instability of the financial markets, the super savings account is a good alternative. More interesting than a classic Livret A, it offers more security guarantees than an investment in the stock market.

How to choose your great booklet?

Do you want to find the most advantageous super booklet? Consider the following criteria to make the best choice.

The rate of return

The main criterion to take into account for a great booklet is its performance. These booklets often offer boosted rates over a period of three to six months. During this period, the interest rate is generally very attractive. It can achieve returns above 5%. If you want to make a long-term investment, also pay attention to the annual rate.

Access conditions

Banks impose different access conditions. Some require a minimum deposit to open the account, others require the opening of a current account or only offer this offer to their new customers. Be vigilant to ensure that opening your super booklet is advantageous.

Super bank book: ultimately, is it really worth it?

The super booklet is a financial product that can prove interesting in several cases. Before opening an account of this type, determine precisely your financial objectives. Do you want to benefit from boosted rates in the short term? Invest as much as you can during the first few months. Have you reached the limit on all your regulated accounts? Opening a super bank book will allow you to benefit from the same flexibility, but with a higher return.