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Our Savings Solutions

Grow your money with Lunoa's complete range of savings products.

Smart saving

Save effortlessly with Lunoa

Whether you want to build an emergency fund, save for a project, or prepare for retirement, we have the right solution for you.

Competitive Interest Rates

Up to 3% annual interest on your savings, calculated daily and paid monthly.

Automatic Savings

Schedule automatic transfers to your savings account. Save without thinking about it, from as little as €1 per week.

Round-up for Good

With each payment, round up your purchase to the next euro. The difference automatically goes into your savings.

Our products

Discover our savings solutions

Tailored to the needs of French residents, our savings products combine performance, security, and flexibility.

Savings Account

Savings Account

A flexible solution for your emergency savings. Your money works for you and remains available at any time.

Features & Benefits

  • ✓ Attractive interest rates
  • ✓ Unlimited access via online banking
  • ✓ No account fees with regular activity
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Term Account

Term Account

Maximize your returns by locking in an amount for a fixed term (e.g., 3, 6, 12 months) with a guaranteed interest rate.

Features & Benefits

  • ✓ Fixed rates known in advance
  • ✓ Zero risk: capital and interest guaranteed
  • ✓ Ideal for short to medium-term savings
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Life Insurance

Life Insurance

Prepare for retirement with France's favorite savings product. Flexibility, diversification, and attractive tax benefits.

Features & Benefits

  • ✓ Diversification: euro funds and unit-linked
  • ✓ Tax benefits after 8 years
  • ✓ Full flexibility: free deposits, partial withdrawals
Plan my savings
Housing Savings Plan

Housing Savings Plan (PEL)

Save for a real estate project with a regulated product offering tax advantages and a loan at a preferential rate.

Features & Benefits

  • ✓ Fixed rate guaranteed for the entire plan duration
  • ✓ Right to a home loan after 4 years of saving
  • ✓ Tax advantages on interest
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Retirement Savings Plan

Retirement Savings Plan (PER)

Prepare for retirement with a tax-advantaged savings solution. Build capital for your future while reducing your taxes today.

Features & Benefits

  • ✓ Tax deduction on contributions
  • ✓ Choice of payout options: lump sum or annuity
  • ✓ Flexible investment management
Prepare my retirement
Youth Savings Account

Youth Savings Account

Designed for young people aged 12 to 25. Start saving early with attractive rates and learn good financial habits.

Features & Benefits

  • ✓ Tax-free interest until age 18
  • ✓ No minimum deposit required
  • ✓ Parental control and management options
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Attractive rates

Up to 3.00% annual interest

Available at any time, no conditions or fees. Your interest is calculated daily and paid monthly.

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Lunoa Savings
Our strengths

Why save with Lunoa?

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100% Online Management

Manage your savings from anywhere, anytime, via our app and web platform.

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Competitive Rates

We offer some of the best rates on the market, with no hidden fees.

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Secure & Guaranteed

Your savings are protected up to €100,000 by the deposit guarantee scheme.

Ready to start saving?

Open your savings account today

It takes just a few minutes to open an account. No paperwork, no hidden fees.

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