Par
Martin Leduc
Published on
Former lost banking account of sight, a forgotten child savings book or life insurance of a deceased loved one whose beneficiary is unknown: all these neglected funds, far from volatilizing, end up being transferred to the Caisse des Dépôts (CDC), where more than seven billion euros are waiting to be recovered.
“We are the site of the last chance,” sums up Marie Dolard-Cléret, director of the department consignment and specialized deposits of the CDC, to describe Cycladewhich allows everyone to check if he is not the beneficiary of a forgotten nest egg.
1,500 euros recovered on average
This service allowed nearly 94,000 people To recover 1,573 euros on average last year, according to the CDC.
“In a handful of minutes, I knew that there was something in my name,” said theAFP David, who had relayed his experience on network X. His account, where he publishes the discussions in which he turns online the crooks online to waste time, is followed by more than 106,000 subscribers.
“Finally, I only received four cents two months later, but then one of my subscribers said that he had recovered a few thousand euros,” he explains.
What is the Ciclade site?
The Ciclade site was launched in January 2017, one year after the entry into force of a 2014 law imposing on financial establishments to identify inactive bank accounts each year (no operation or demonstration of the holder for a year) and the “disrepair” life insurance contracts (that is to say, having not been claimed when they have expired) and to check if their customers are still alive.
Also safeguards
In practice, banks must regularly write to the holder an inactive account to invite him to manifest himself and avoid the closing of his account. Employee savings organizations are also subject to this duty of information.
Insurers are held Search for beneficiaries of dehension contracts.
“If I have a advice to give, it is to specify name, first name, date of birth, place of birth, laptop number and email address” when one appoints the beneficiary of a life insurance contract, declares to theAFP Antoine Djikpa, genealogist and president of the Parisian study Add Associés, who works in particular with financial institutions looking for the heirs of forgotten funds.
One billion euros already returned to beneficiaries
Unanswered on time – generally ten yearsbut this varies according to the financial product concerned or according to whether its holder is alive or deceased – the forgotten sums are transferred to the CDC, which keeps them and restores them on request.
In principle, after ten years of inactivity, funds arrive at the CDC and they are kept 20 years. At the end of these 30 years, if no one has claimed them, they are donated to the state.
Since the implementation of the system in 2016, the CDC has received More than nine billion euros.
“The CAP of the billion euros returned to the beneficiaries was crossed at the end of January 2025,” said Marie Dolard-Cléret and “a little more than 550 million euros” were donated to the State.
Very small sums most of the time
Inactive bank accounts represent more than 85 % of the financial products transferred to the CDC but many of them only shelter “very small sums”, according to Philippe Martinie.
We often restore very small amounts “with” payments of 50 cents, or even less.
For the genealogist Antoine Djikpa, “it would be rather virtuous” than the cumulation of all these small sums which will probably not miss anyone Instead, “the state and therefore the community of citizens”.
“I am not talking at all as genealogist or business manager, but as a citizen, that would strictly pose any problem that the state becomes automatically holding All sums less than 40 or 50 eurosFor example. »»
With AFP.
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