Launch your savings offering quickly and easily with Skaleet

In 2025, saving continues to be a major concern for European households. In Q4 of 2024, the average savings rate in the eurozone stood at 15.3%, a stable level and notably higher than pre-pandemic averages. This trend reflects a desire to  maintain the real value of assets in the face of past inflation, as well as ongoing uncertainty that encourages caution. This is particularly evident in Germany (20.0%), Hungary (24.6%), the Netherlands, and Austria, where savings remain high. As a result, European households are prioritizing liquid and secure financial products while gradually diversifying their investment portfolios.

In France, the household savings rate remains particularly high, reaching 18% in Q4 2024, up from 16.9% in 2023 and 15.2% before the pandemic. This momentum is also reflected in a persistently high net inflow, with €87.6 billion in savings accumulated in the final quarter of 2024 alone. People in France  continue to favor regulated savings accounts and term deposits, despite the reduction in the Livret A interest rate to 2.4% as of February 1st 2025. This preference is driven by a desire for security and liquidity, rising financial income, and a climate of political and economic uncertainty that reinforces precautionary saving.

Against this backdrop, the Skaleet savings module emerges as a key tool to address the evolving expectations of today’s consumers. Through the following use cases, discover how Skaleet’s savings module enables you to quickly and efficiently launch your own savings offering.

Livret A, term deposit, interest-bearing current account, and many other products.

Regulated Savings Account (Livret A)
Ms. A wants to deposit money in a regulated savings account. Her bank offers her a Livret A at the regulated interest rate. The back-office teams have preconfigured a product named “Livret A” in the Skaleet core banking platform. They set the savings cap at €22,950, defined an interest rate of 2.4%, selected a bi-monthly interest calculation method, and scheduled annual payouts on January 1st. This setup also allows clients to make withdrawals, as well as one-time or recurring deposits to the Livret A. Thanks to this configuration, Ms. A can save confidently and according to her needs, while benefiting from a fully compliant and bank-controlled product.

Term Deposit (Dépôt à Terme)
Ms. A wishes to deposit  money in a fixed-term account. Her bank presents several offers. The back-office teams have previously configured a product called "DAT" (Dépôt à Terme) in the Skaleet core banking system. They established a cap of €100,000 and implemented variable interest rates depending on the selected term. Several durations have been configured, such as 3 months, 6 months, 1 year, or 2 years, allowing different interest rate options. This setup also enables clients to choose their fund lock-in period and know the associated return in advance. Thus, Ms. A can choose the term deposit option that best fits her expectations.

Interest-Bearing Current Account
Ms. A is looking for a current account that allows her to earn interest on her deposited funds while retaining full flexibility in managing her money. Her bank offers her an interest-bearing current account. In preparation, the back-office teams have configured a product named "interest-bearing current account" in the Skaleet core banking platform. They defined remuneration conditions based on the account’s average monthly balance,for example a 0.5% rate up to €10,000 and 0.8% beyond that, capped at €50,000. Interest is calculated at the end of each month and automatically credited to the client’s current account. The configuration also allows for specific payout conditions, such as a minimum balance requirement to trigger remuneration. This enables Ms. A to continue using her current account while making her liquid assets work for her.

A Customizable, Compliant, and Scalable Savings Solution
Thanks to the advanced configurability of our solution, each use case, Livret A, term deposit, or interest-bearing current account can be precisely tailored to individual clients and market needs. Our solution integrates a fully customizable tax engine, ensuring optimal compliance for every product across all European countries. This allows you to offer a savings management solution that is personalized, scalable, and perfectly aligned with local regulatory requirements.