TheBoursoBank futures account(formerly Boursorama Bank) offers a guaranteed savings solution with rates of 1.80% over 12 months and 1.90% over 6 months. This product is intended for existing customers of the online bank wishing to invest a minimum capital of 5,000€ for a fixed period. Although its rates remain below market leaders, it is a secure option to diversify its savings within the BoursoBank ecosystem.
BoursoBank futures account: current features and rates
TheTerm Account (TAA) – SavingsBoursoBank offers guaranteed fixed remuneration over predefined periods. Current conditions are based on two main options.
| Duration | Gross annual rate | Minimum amount | Ceiling |
|---|---|---|---|
| 6 months | 1,90% | 5 000€ | None |
| 12 months | 1,80% | 5 000€ | None |
Access to the BoursoBank futures account remains exclusively reserved for BoursoBank bank account holders. This requirement is a non-negotiable prerequisite for opening the savings product.
The funds deposited benefit from theguarantee of French depositsup to 100 000€ per depositor and per institution, ensuring total security of the invested capital. Interest is calculated daily and paid at the end of the chosen term.
Conditions and procedures for opening
Opening a futures account requires several mandatory steps. The completely dematerialized process is done from BoursoBank's online customer space.
Thesingle paymentWhen subscription is made by transfer from the BoursoBank current account. No additional payments are permitted during the duration of the investment, unlike traditional savings booklets.
The funds remainblocked to agreed term. In case of early withdrawal, financial penalties apply, significantly reducing the remuneration obtained. This constraint imposes a thorough reflection on the investment horizon before subscription.
Applicable taxation
The futures account's taxation follows the traditional regime of savings products. Interest shall be:
- Income tax according to the progressive scale or single flat-rate levy of 30%
- Social contributions of 17.2%
The taxpayer can opt for a one-time flat tax of 30% or for inclusion in his or her taxable income according to his or her personal tax situation.
Comparison with competition and alternatives
The position of the futures account of the Boursorama reveals a notable difference with the best market rates. Placement-direct.fr currently offers remuneration of up to 2.60% over similar periods, i.e. a differential of 0.70 to 0.80 points.
| Establishment | Rate 6 months | Rate 12 months | Minimum amount |
|---|---|---|---|
| BoursoBank | 1,90% | 1,80% | 5 000€ |
| Direct placement.fr | 2,60% | 2,50% | 1 000€ |
This difference represents a loss of profits of about350€ Annual investment of 50,000€. However, the billorama futures account retains some practical benefits.
Specific advantages
Integration into the BoursoBank ecosystem facilitates centralized financial management. In-house transfers are made instantly at no cost, unlike transfers to third-party institutions that may result in additional delays and costs.
BoursoBank's established reputation also reassures savers who prefer recognized banking players to the less well-known specialized platforms of the general public.
To compare BoursoBank futures account performance with other offers, see thisbest futures account 2025: comparison, criteria and advice for choosing serenely.
For a complete comparison of savings solutions, discover what theBNP Paribas futures account: security and controlled remuneration for your savings.
In which cases choose the futures account bursorama
The futures account is aimed primarily atexisting customersthe institution wishing to avoid the proliferation of banking relations. This centralization simplifies heritage tracking and tax returns.
Adapted profiles include savers with large amounts awaiting reallocation: inheritance, real estate sales proceeds, or building contributions. TheTemporary investment in the futures accountbourorama makes it possible to secure these capital while receiving higher remuneration than current accounts.
Diversification strategies
In an approach todiversification of risks, the futures account is a useful complement to other more volatile investments. It is the secured part of a portfolio including shares, bonds or real estate.
Conservative investors favouring the guarantee of capital over maximum performance also find their account in this solution. Insurance to recover all capital plus agreed interest is a major asset in times of economic uncertainty.
A reasoned choice according to your priorities
The stock marketama futures account is a secure savings solution despite lower than competitive rates. Its main asset lies in facilitating integration for existing BoursoBank clients. Before you subscribe, compare systematically with market offers to optimize the return of your savings according to your personal constraints.