Every year, millions of euros from bank accounts, life insurance contracts and share savings plans (PEA) are transferred by French financial institutions to the Deposit and consignment office (CDC). There is this Booklet A opened by a grandfather of which you do not know what became of him or even what PEA established with your former employerand for which you have never requested unblocking.
More than 9 billion euros were thus transferred to the Deposit fund since July 2016, i.e. a average amount of 700 euros per contractaccording to the latest official figures as of December 31, 2024. Because since the Eckert lawin force since January 1, 2016, the public financial institution is responsible for collecting all dormant assets for 10 years. This money is said to be “forgotten” when at the end of the contract or upon the death of the insured, the beneficiary has not come forward or could not be identified. But the amounts are not kept in the bank forever. After 30 years of total inactivity, the abandoned funds are returned to the State.
Ciclade, the last chance site
Is a nice surprise awaiting you? It’s up to you to check it. Because the Caisse des Dépôts, which collects this liquidity, is not responsible for seeking out possible owners of accounts and contracts closed by banks and insurers. To get your hands on your possible assets, the reflex is called Ciclade. This free official service allows you to launch a search, and request the restitution of sums belonging to you if applicable. All you have to do is mention your first and last name, date of birth, address, etc. If you are applying for a married woman, consider varying the names and mentioning only the maiden name in one of your requests. There creation of a personal space is only necessary when a match is found.
Life insurance and retirement savings
Note that you have the option toact before that the money does not go to the Caisse des Dépôts. You think you are the beneficiary of one or more contracts life insurance ? Contact Agira one-stop shopthe Association for Insurance Risk Information Management. By completing a online formand joining the subscriber’s death certificateyour request will be sent to all financial institutions.
If you are employee, or have been during your professional career, you may be the beneficiary of a retirement savings contract additional, without knowing it. Since 2022, another free service allows you to be clear about it. Log in to your account info-retraite.frthen click “My retirement savings”. To assert your potential rights, you will need to contact the organization with which the contract was signed. On your keyboards!
