I own a capitalisation bond and/or a bearer bond

The types of bonds concerned are:

Sums from capitalisation bonds / bearer bonds*

The Holder is in possession of the originals or duplicates of the capitalisation bond(s) / Bearer bond(s). He/she seeks to recover these sums. He must Contact the Insurance company that managed these bonds. After checking, the insurance company will send the bearer a certificate of authenticity of the bonds concerned (including the reference number of the capitalisation bond(s) / bearer bond(s))

Insurance company

Until expiration and for 10 years

Once the bond has expired, the insurance company that managed the bond retains the assets for up to 10 years.

IIf this 10-year period has not yet expired, the bond you are looking for is still held by the insurance company

Caisse des Dépôts

for 20 years

Caisse des Dépôts keeps the sums it receives for up to 20 years.

That means you have 20 years in which to ask Caisse des Dépôts to return these assets via


after 30 years

If there has been no contact on the part of either the holder or his/her entitled parties after 30 years, the assets are transferred irreversibly to the State.

Once this happens, it is no longer possible to ask for their Restitution.

* This information concerns the sums relating to the Eckert law excluding recovery of prior rights.

Good to know :

  • Not concerned by the Eckert law: Assets from State loans, PTT bonds, Treasury bills, savings bonds, bearer bonds, mortgage loans and perpetual annuities (through bearer securities) are not transferred to Caisse des Dépôts.
  • Caisse des Dépôts is not authorized to stop the bonds after a loss or theft or to destroy them. Indeed, it is not subject to the Insurance Code. As the funds from inactive bonds are now kept at the Caisse des Dépôts, you no longer have the possibility of cancelling your bonds.