Since July 10, it is possible to recover your residual assets from the Caisse des Dépôts et Consignations, even after the closing date for the accounts of the online banking of the Postal Bank.
My French Bank officially ceased its activities in early July 2025. After being announced to its 750,000 customers in 2023, the closure of the online bank of the Postal Banque took place gradually, throughout 2024. The subsidiary of La Poste ensures that it has contacted all of its customers to invite them to close their accounts or to migrate to the Banque Postale network. A financial incitement had even been proposed: “A welcome bonus was offered to customers wishing to transfer their account to our network”specifies the company.
For unimportant customers, support has been maintained until the deadline. “In 2025, we accompanied the last customers who had not yet left”specifies the bank. For those who have missed the letters, their accounts could not be closed before the official closure of my French Bank on July 10. Contacted by Le FigaroLa Banque Postale does not communicate any specific figures, but evokes accounts “Very low outstanding”. A situation that had already observed when closing other online banks, for example during ING France, in December 2022. At the time, more than 3000 customers, or 6 to 7% of the total, had not yet given a sign of life after the closing of their account by the bank.
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How to recover your assets?
Anyway, customers have 30 years to come forward. Unslated assets are not lost. In accordance with the regulations in force, these “Residual funds” were transferred to the Caisse des Dépôts et Consignations (CDC). “They are recorded there for 30 years”explains the postal bank. Since July 10, concerned customers have the possibility of recovering their money via the official CDC website, Ciclade. It is also possible to contact my French Bank directly via an online form available.
“The objective was to prioritize our digital investments, in particular on the application of the postal bank”explains the establishment about the closure of its online bank. Clearly, rather than maintaining two distinct digital offers, the Postal Bank has chosen to focus its means on its main application.
Created in 2019, my French Bank was aimed at winning on the very competitive market for digital banks. But after several years of activity, the subsidiary of the Postal Bank has never found its economic balance. “For a online bank to be profitable, you must offer a very wide range of products”admits the company. However, my French Bank offered no financial product, savings solution or facilitated access to the market, unlike its competitors Fortuneo and Boursobank (ex-Boursorama).
