The Minister of SMEs and Purchasing Power Serge Papin plans to allow low-income employees to be able to withdraw 2,000 euros from their company savings plans (PEE) in 2026. If the measure sees the light of day, it will be added for a limited time to the numerous tax-free exit cases already planned on PEE: termination of the employment contract, acquisition or renovation of main residence, marriage or PACS, death of the spouse or PACS partner, birth or adoption of the third child, the creation or takeover of a business and divorce. Note that domestic violence has been a reason since 2020
Watch out for traps
If you want to take advantage of it, prepare your papers carefully and read the information that the account holder makes available on its site and/or in your personal space.
Because there are many disputes. The most common come from the lack of supporting documents. Others are linked to regulatory restrictions. “It is not possible to unblock your PEE due to the end of your employment contract in the event that there is intra-group mobility (even if you have been issued a work certificate)» warns Patrick Behanzin, offer and digital director, collective pension director of Natixis Interentreprises who also emphasizes that “the reason for marriage can only be activated after marriage.»
If you are purchasing your main residence, choose the certificate of purchase. For expansion work, provide proof of the creation of habitable space. As for the amount of the sum withdrawn, it cannot exceed the amount of the invoices transmitted.
For the reason of divorce or separation, do not forget that it is conditional on having the habitual residence of at least one child from the union and on providing the judgment or agreement drawn up by the judge or lawyer.
Juggling deadlines
Keep in mind that the majority of unblocking cases must be exercised within six months after the triggering event and in one go. In the event of work, Patrick Behanzin advises “make your request for withdrawal with a view to the construction of the main residence without waiting for the start of the work (which may take longer) because the six-month period runs from the construction contract. Beyond these six months, if release has not been requested, the savings remain blocked until their initial maturity“, he warns. If possible, wait for the annual bonuses to be paid. Please note that voluntary payments invested after the event (to benefit from a matching contribution, for example) cannot be released.
If you are considering a withdrawal, it is advisable to anticipate the operation by carrying out arbitrage towards monetary funds in order to secure the value of the assets which would be placed in risky vehicles (FCPE of stocks, bonds, or diversified FCPE). So on D-Day, all you have to do is make the desired withdrawal from your monetary fund.
