Forgotten money: “I found an inheritance in three clicks” while three public platforms return billions of euros on accounts, life insurance and pensions

For several years, the search for forgotten money has been facilitated by three main platforms: Ciclade, Agira and Info-retitraite.fr. Furthermore, These tools allow you to find sometimes considerable sums which. However, without them, could end up in the boxes of the state. Therefore, Each platform has its specificity and operating mode, offering individuals unique opportunities to recover funds. Therefore, Understanding the role and importance of these services forgotten money: “i found inheritance is crucial to prevent millions of euros from getting lost definitively.

Ciclade: the platform to find forgotten money – Forgotten money: "i found inheritance

Ciclade is an essential public service to recover forgotten funds. For example, When a bank account is inactive, it can be transferred to the Caisse des Dépôts after 10 years. However, If no beneficiary manifests itself, the money ends up being donated to the state after 30 years. Moreover, Since its creation in 2017, Ciclade has made it possible to return 990.5 million euros to their legitimate owners. However, 7.5 billion euros are still available. The 2016 Eckert law played a key role in obliging financial institutions to declare inactive accounts. thus facilitating their research via Ciclade.

The process is simple: by connecting to the site, users can check if accounts or contracts belong to them. The purpose of this initiative is to limit the loss of money not requested. a frequent forgotten money: “i found inheritance problem with savings booklets and bank accounts.

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AGRA: A solution for life insurance not claimed – Forgotten money: "i found inheritance

AGRA will focus on life insurance contracts. often forgotten by beneficiaries. Unlike bank accounts, life insurance requires a proactive approach on the part of potential forgotten money: “i found inheritance beneficiaries. Act will centralize this information and allows you to find life insurance before it is transferred to Ciclade. In 2024, more than 30,000 contracts worth 1.1 billion euros were recovered thanks to this device.

To access this information. simply fill out an online form with the personal data of the deceased and the possible beneficiary. The speed of this approach is crucial. because it must be carried out before the 10 -year period following the death has passed. This ensures that money achieves legitimate rights, thus avoiding significant financial loss.

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Info-retitraite.fr: find forgotten retirement savings

Info-retitraite.fr is a platform dedicated to the management and recovery of retirement savings. Many employees subscribe to retirement savings plans (PER) during their career, often via their business. However, these contracts are frequently forgotten, especially during job changes. Since 2022, Info-retire has centralized this information and allows users to easily verify the existence of contracts in their name.

Access to this data is simplified thanks to France Connect, a secure platform which brings together various public services. In a few clicks, users can know if retirement savings contracts are awarded to them. This allows forgotten money: “i found inheritance you to know the amount available at the time of retirement, a period when each euro counts.

This unknown savings book crushes the booklet A with a much higher return and without the slightest tax payable

Financial. social implications

The consequences of non-recovery of these funds are multiple. On an individual level, this represents a significant financial loss. On the collective level. the unsuitable sums that return to forgotten money: “i found inheritance the State can be considered an additional resource for public finances. However, the main objective of these platforms remains the return of funds to legitimate owners.

In addition, the centralization of information on inactive accounts and forgotten contracts allows better management of personal finances. It also encourages financial institutions to comply with their legal obligations. thus improving transparency and public confidence towards the financial system.

Faced with the importance of these platforms. a question arises: how to raise awareness of more people about the existence of these tools to prevent their money from being definitively lost?

This article is based on verified sources and the assistance of editorial technologies.

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