{"id":1570,"date":"2026-08-20T11:27:08","date_gmt":"2026-08-20T09:27:08","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=1570"},"modified":"2026-08-20T11:27:08","modified_gmt":"2026-08-20T09:27:08","slug":"trade-republic-lance-son-livret-a-en-france-adosse-a-axa-banque","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/trade-republic-lance-son-livret-a-en-france-adosse-a-axa-banque","title":{"rendered":"Trade Republic lance son Livret A en France, adoss\u00e9 \u00e0 AXA Banque"},"content":{"rendered":"

Jusqu\u2019\u00e0 pr\u00e9sent, les clients fran\u00e7ais de Trade Republic devaient passer par un autre \u00e9tablissement s\u2019ils souhaitaient d\u00e9tenir un Livret A<\/a>. Un manque dans l\u2019offre fran\u00e7aise de la banque en ligne, alors que 57 millions de Fran\u00e7ais, soit 83% de la population, d\u00e9tenaient ce produit d\u2019\u00e9pargne r\u00e9glement\u00e9e fin 2025, selon les donn\u00e9es de la Banque de France.<\/p>\n

La situation change \u00e0 compter de ce jeudi 20 ao\u00fbt 2026. Trade Republic lance le Livret A directement dans son application. Les clients peuvent l\u2019ouvrir, l\u2019alimenter et le g\u00e9rer depuis la m\u00eame interface que leur compte-titres ou leur plan d\u2019\u00e9pargne en actions (PEA)<\/a>. Le livret est r\u00e9mun\u00e9r\u00e9 au taux r\u00e9glement\u00e9 de 1,7%<\/a>, en vigueur depuis le 1er ao\u00fbt 2026. Son plafond est fix\u00e9 \u00e0 22 950 euros<\/a> et les int\u00e9r\u00eats sont exon\u00e9r\u00e9s d\u2019imp\u00f4t sur le revenu et de pr\u00e9l\u00e8vements sociaux, comme dans les autres banques.<\/p>\n

<\/span>Livret A chez Trade Republic : ouverture possible d\u00e8s aujourd\u2019hui<\/span><\/h2>\n

L\u2019acc\u00e8s n\u2019est pas imm\u00e9diat pour tous les clients. \u00ab Le d\u00e9ploiement s\u2019effectue par paliers. L\u2019objectif est que tout le monde puisse y acc\u00e9der aujourd\u2019hui \u00bb, a indiqu\u00e9 Vincent Grard, directeur France de Trade Republic, lors d\u2019un entretien avec ToutSurMesFinances.com. Les clients doivent disposer de la derni\u00e8re version de l\u2019application pour acc\u00e9der \u00e0 cette nouvelle fonctionnalit\u00e9.<\/p>\n

Ceux qui poss\u00e8dent d\u00e9j\u00e0 un Livret A dans un autre \u00e9tablissement doivent d\u2019abord le cl\u00f4turer avant d\u2019en ouvrir un nouveau via Trade Republic. Les int\u00e9r\u00eats acquis sont vers\u00e9s par l\u2019\u00e9tablissement d\u2019origine lors de la cl\u00f4ture.<\/p>\n

Ce lancement r\u00e9pond \u00e0 une demande des clients fran\u00e7ais, selon Vincent Grard. \u00ab Le Livret A est une exception culturelle fran\u00e7aise, il n\u2019existe nulle part ailleurs en Europe \u00bb, rappelle-t-il. Le dirigeant pr\u00e9sente le Livret A comme la \u00ab brique d\u2019\u00e9pargne de pr\u00e9caution \u00bb qui manquait entre les usages du compte courant (r\u00e9mun\u00e9r\u00e9 chez Trade Republic) pour l\u2019argent au quotidien et l\u2019investissement \u00e0 long terme, notamment via le PEA.<\/p>\n

<\/span>Trade Republic distribue le Livret A, AXA Banque porte le produit<\/span><\/h2>\n

Trade Republic ne porte toutefois pas elle-m\u00eame le Livret A. Le produit est distribu\u00e9 par l\u2019\u00e9tablissement d\u2019origine allemande, mais les d\u00e9p\u00f4ts sont effectu\u00e9s aupr\u00e8s d\u2019AXA Banque, qui en assure la gestion.<\/p>\n

La soci\u00e9t\u00e9 a pr\u00e9f\u00e9r\u00e9 s\u2019appuyer sur un acteur en place. Le courtier, qui dispose du statut d\u2019\u00e9tablissement de cr\u00e9dit, aurait pu s\u2019en charger seul. Un obstacle l\u2019a retenu : la r\u00e9glementation impose d\u2019affecter 40,5% des sommes collect\u00e9es \u00e0 des cr\u00e9dits, principalement aux PME, le reste \u00e9tant centralis\u00e9 par la Caisse des d\u00e9p\u00f4ts. Or ces activit\u00e9s (cr\u00e9dit, offre aux professionnels) n\u2019existent pas encore chez Trade Republic.<\/p>\n

Le Livret A rejoint ainsi les produits sp\u00e9cifiquement adapt\u00e9s au march\u00e9 fran\u00e7ais d\u00e9j\u00e0 propos\u00e9s par Trade Republic. La soci\u00e9t\u00e9 avait notamment lanc\u00e9 son PEA en 2025. Plus de 400 000 PEA y ont depuis \u00e9t\u00e9 ouverts ou transf\u00e9r\u00e9s, selon l\u2019entreprise, qui ne communique aucun objectif chiffr\u00e9 pour le Livret A.<\/p>\n","protected":false},"excerpt":{"rendered":"

Trade Republic lance ce 20 ao\u00fbt 2026 son Livret A. Distribu\u00e9 dans son application, le produit est souscrit aupr\u00e8s d\u2019AXA Banque.<\/p>\n","protected":false},"author":13709,"featured_media":1571,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"acf":[],"yoast_head":"\nTrade Republic lance son Livret A en France, adoss\u00e9 \u00e0 AXA Banque<\/title>\n<meta name=\"description\" content=\"Trade Republic lance son Livret A dans son appli ce 20 ao\u00fbt : taux de 1,7% net, souscrit aupr\u00e8s d\u2019AXA Banque, cl\u00f4ture pr\u00e9alable si vous en d\u00e9tenez d\u00e9j\u00e0 un\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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