Discover if you have unclaimed financial assets with Ciclade, a free service by the Caisse des dépôts. Many people are unaware of forgotten bank accounts, savings plans, or life insurance policies. In 2024, over 90,000 individuals in France recovered an average of 1,749 euros each. Ciclade allows you to search for these funds easily, with a generous 20-year window to claim them. Since its launch in 2017, nearly one billion euros have been reclaimed, highlighting the importance of checking for hidden assets.
INFO MONEYVOX: Discovering Forgotten Funds
Have you ever wondered if you might have an unclaimed bank account, an old savings book, or a life insurance policy waiting for you? If so, you’re not alone! Many individuals are unaware that they have funds sitting idle at the Caisse des dépôts. Fortunately, there’s an efficient and user-friendly platform to help you reclaim these assets: Ciclade. In 2024 alone, over 90,000 people in France successfully recovered their funds, with the average amount being an impressive 1,749 euros!
Ciclade: Your Gateway to Recovering Unclaimed Money
Is Ciclade like a game of chance? Not at all. Ciclade is a dedicated service provided by the Caisse des dépôts that assists you in locating forgotten financial assets at no cost. In essence, if you “uncover” a hidden treasure on Ciclade at ciclade.caissedesdepots.fr, it simply means you’re retrieving money that rightfully belongs to you.
But why do billions of euros end up in the Caisse des dépôts? It’s not a scandal; rather, this system was established to protect savers and beneficiaries of life insurance policies, in accordance with the Eckert law enacted a decade ago.
Understanding Inactive Accounts and Claiming Your Funds
The process begins with an inactive bank account identified as such by your bank, or perhaps a forgotten employee savings plan from a previous job. Alternatively, you might be the beneficiary of a life insurance policy you are not even aware of. If these accounts remain ignored, the bank or insurer is required to attempt to contact you. If they cannot reach you after a period of 10 years of inactivity (or 3 years posthumously), the unclaimed funds are transferred to the Caisse des dépôts.
Once the money is at the Caisse des dépôts, you have a generous window of 20 years to claim it! After a full 30 years of inactivity, the funds will be permanently absorbed into state coffers. Ciclade serves as the essential tool for retrieving your funds during this 20-year period. It would be a missed opportunity not to explore the possibility of claiming a portion of the 7 billion euros currently waiting for their rightful owners.
Steps to Retrieve Your Forgotten Savings
To start your search, visit ciclade.caissedesdepots.fr and click on “start my search.” Input your personal details such as your name, date of birth, and nationality, even if you don’t have an account or policy number (simply check the box indicating you lack reference numbers). Once you validate your information, initiate the search.
You’ll quickly receive a response: either “Unfortunately, there are no results matching your search. No sum has been recorded with the criteria entered.” or, if a match is found, you’ll need to create a personal account to provide your IBAN and other relevant details.
Due to the high volume of inquiries, processing times may be longer than expected. The Caisse des dépôts assures users: “Given the large number of requests, our response and processing times are currently extended. (…) When you track your request in your personal space, please note there may be a delay of several weeks between the indication ‘to be paid’ and the actual payment. There’s no need to worry.”
Whether it’s a Livret A, life insurance, or a PEL, could there be a delightful surprise waiting for you on Ciclade?
Annual Recovery Statistics
Since the initiation of Ciclade in 2017, nearly one billion euros have been reclaimed through this service, with a steady annual return exceeding 100 million euros.
In 2024, a significant 152 million euros were returned to rightful owners, following a total of 93,827 restitution requests made via Ciclade. However, this success is not commonplace: to facilitate those 93,827 claims, a staggering 1.6 million searches were conducted!