Epargne 3 Savings Account
With our Epargne 3 savings account, you can save up for retirement, a new house, or to become self-employed – all while reducing your tax bill.
- Put aside what you want, when you want
- Save on your taxes
- Withdraw your money when you retire early, buy a house, or start your own business
Tax-free interest at an attractive rate
The variable interest rate on our Epargne 3 account is higher than that on our standard savings account. And the interest you receive is not subject to income tax.
Paying down your mortgage indirectly
You can put money intended to pay off your mortgage into an Epargne 3 account. At the end of the agreed term, you can use the money in the account to pay down your mortgage. The money you withdraw is taxed at a reduced rate.
This method offers significant tax advantages: money paid into an Epargne 3 account can be deducted from your taxable income, and your mortgage debt remains constant during this time and can therefore be deducted in full from your total wealth on your tax return.
Open several accounts to maximize the tax benefits
You can get additional tax benefits when you take money out of your Epargne 3 account by spreading the withdrawals over several years, to minimize the effects of progressive taxation. You can take the money out starting five years before the legal retirement age or, if you continue working, until age 69 for women and age 70 for men. However, when you take money out of an Epargne 3 account, you must take it all out at once. Therefore you would need to have several accounts to spread the withdrawals out over time.
Fees and conditions
Choisissez parmi les prestations d'épargne de la BCV celles qui vous permettront le mieux d'atteindre vos objectifs et de concrétiser vos rêves.
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Vested Benefits account
The Vested Benefits account lets you continue growing your retirement savings while you are not working.
RP Rente certaine
RP Rente Certaine is a term-certain annuity contract offered by our partner Retraites Populaires. It gives you a guaranteed, steady stream of income for a set period of time.