Holders of old home savings plans - some of which earn 3 or 4% per year - will have to fight hard to keep them.
Banks are now forcing themselves to convince their customers to close their PELs, or at least agree to keep them under new conditions.
This is the case of La Banque Postale, which recently sent thousands of letters to its customers asking them to open a paying current account ... under penalty of closing their PEL.
An
“illegal”
practice
,
according to the UFC-Que Choisir, which has just sued La Banque Postale in this regard.
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With the low interest rate environment, the stock of old home savings plans has become quite a burden on banks.
The remuneration of PELs has fallen in recent years to fall to 1% in 2018, but those who have subscribed before benefit from very generous rates.
The 3.7 million PELs opened before 2011 still yield an average of 4.44%, according to the Banque de France.
These interests weigh on
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