livret ordinaire de dépassement

22:04 Dec 7, 2019 

Over contribution, this is the concept of the financial literature, which you are groping at.

Please read the following:

https://www.doughroller.net/retirement-planning/happens-cont... .

https://www.investopedia.com/ask/answers/158.asp

17:03 Dec 7, 2019 

And culture-specific means that you can make up your own term, within reason.

17:02 Dec 7, 2019 

You often hear people in France saying, "So and so is tight with his money, his Livret A is full", so French people get the concept perfectly well, it's just us poor foreigners who are bemused by the system and have to figure out how it works.
So, for me, the term is culture-specific, notwithstanding a small number of exceptions in the English-speaking world noted here.

16:56 Dec 7, 2019 

in some account is not exactly unheard of in UK (if you know your basics about taxation, that is).

There are some accounts that are "more favourable/privileged" in comparison with "ordinary" accounts, and the amount you can put into them is limited.


Like TESSA https://en.wikipedia.org/wiki/Tax-exempt_special_savings_acc... ...

15:34 Dec 7, 2019 

From Ph_B's description and a quick look online, it sounds like "surplus" is the idea and makes more sense than overflow or excess.

Fwiw, the Bank of Cyprus for one offers such a "surplus savings account" (https://www.bankofcyprus.com.cy/en-gb/retail/deposits/saving...

I doubt the concept or the term has much *ahem* currency in the Anglosphere, but at least "surplus savings" is relatively self-explanatory if a little puzzling. Could it work here?

16:42 Dec 6, 2019 

Many thanks Ph_B. I think "overflow" (I used inverted commas in my text too) is the shortest way around it. I think the whole concept of having too much money in a savings account does not translate culturally, so explaining the concept of the Livret A would require a VERY long footnote!

07:23 Dec 6, 2019 

What the text in your question means is dépassement du plafond autorisé. It is not an overdraft (as in dépassement du découvert autorisé). It's quite the contrary, actually. It means that you have more savings than what is allowed in a Livret A (assuming this is France). Read: dépasser la limite, dépassement du plafond. I don't know if "overflow" is the right English term in that field, but it is definitely the idea: you have so much money that you are over the limit allowed for a Livret A and need other savings accounts. And so, one type of account is guaranteed by the State (livret réglementé), while the "overflow"(?) accounts are protected by the FGDR.

07:06 Dec 6, 2019 

...money goes from a current account to a first savings account (a Livret A, for example, where there is a maximum), and if that maximum is reached, the excess goes to a secondary savings accounts, which pays less interest.
"Dépassement" does, for me also, suggest an overdraft, but that seems not to be the case.

06:57 Dec 6, 2019 

I would venture rather “overdrawn”

04:25 Dec 6, 2019 

"overflow" as per the previous answer, now strikes me as a good solution, because that's what happens, apparently.

03:20 Dec 6, 2019 

03:17 Dec 6, 2019