Bank books: seemingly attractive rates, but beware of inflation

Commercial offers for bank savings accounts are increasing, with Renault Bank's Zesto offering 3.10% for six months. Cashbee offers 3.50% for two months. Short-term investments are becoming more profitable, benefiting cautious savers. The regulated savings rate, currently at 1.7%, may rise in February due to inflation and monetary rate changes. The European Central Bank has raised rates twice this year, with more increases expected. The government is considering raising the Livret A cap from €22,950 to €30,000 to support climate adaptation financing, pending approval.