You may have forgotten some money, on an inactive account, an A booklet. It would be a shame not to recover it!
Fanny Guinochet is now interested in this money placed, saved, forgotten on inactive accounts by the French.
franceinfo: You you may have heard this figure: in France, almost 7 billion euros in total lie dormant in inactive banking accounts and products. This may be your case. How know ?
Fanny Guinochet: Yes, the amount is impressive. It can be money forgotten on an old bank account, which you kept, changing establishment, region. But it can also be a life insurance contract, an A booklet that your grandparents had opened in your name, and of which you were not necessarily aware. Another scenario is a company savings plan from a company you have since left and which is thriving. In short, there are many possibilities.
And after 10 years without movement on an account, whose holder is alive, this forgotten money is transferred to a public financial institution, it is kept for 20 years. Otherwise, in the long term, it is paid to the State, and it is lost!
How to recover it?
You have to go to the Caisse des Dépôts internet portal. Ciclade is a service of general interest created pursuant to the law of June 13, 2014 (“Eckert Law”). It allows you to search free of charge for sums from bank accounts, employee savings accounts and inactive life insurance policies transferred to Caisse des Dépôts.
IThere is also a telephone number: 0 809 40 40 41
It’s simple, you enter your surname, first name, date and country of birth, and you find out if you have a treasure. And if this is the case, you request it, the fund will then make a transfer to you.
And this is not a small sum: 2500 euros recovered on average per person?
Yes, in fact, there is quite a lot of money, because often banks and financial institutions do not do their job. If you have an account with them, normally they should send you a letter every year. To find out about the status of this account, the fees they charge, the movements there may have been on it. But, after 10 years, they are no longer obliged to do so.
And then, above all, know that it is also up to you to report yourself. If an insurance company or bank writes to you, contact them. By mail, email, telephone, it is important to manifest yourself otherwise you are considered inactive, and the deadline is short.
