- Anyone, whether or not they are a French national, may be concerned.
- They may be the Account Holder, the Policyholder, the Beneficiary or an Entitled party.
- Searches may only concern accounts and life insurance policies opened in France and in Overseas Departements and collectivities
Video Caisse des Dépôts
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The financial products concerned by Ciclade
Bank accounts
- Current account
- Sight Deposit account
- Securities account
- Livret A
- Livret de développement durable et solidiare (LDDS)
- Passbooks savings scheme for young people
- Codevi (industrial development account)
- Home ownership savings scheme (PEL)
Employee savings accounts
- Company saving scheme (PEE)
- Retirement saving scheme (PER)
- Collective pension saving scheme (PERCO)
Life insurance
- Savings insurance policy
- Insurance policy with buyback value
- Bearer bond(s)
- Supplementary pension scheme
The most common cases
A great many bank accounts, employee savings schemes and life insurance policies are forgotten about or lost track of by their holders. Some people are not even aware that they have been named as life insurance beneficiaries.
Inheritance
e.g.: I am due to inherit from my grandpa who had a home ownership savings scheme (PEL) which has been transferred to Caisse des Dépôts.
Capitalisation bond / bearer bond
e.g.: I am in possession of a capitalisation bond, its certificate of authenticity and I wish to retrieve my money which has been transferred to Caisse des Dépôts.
Death of close relatives
e.g.: I didn't know that my grandma had named me as a beneficiary on her Life insurance policy. This life insurance policy has now been transferred to Caisse des Dépôts.
Elderly parents
e.g.: My parents received a letter from their Bank telling them that an old savings account had been closed and that is been transferred to Caisse des Dépôts.
Supplementary pension scheme
e.g.: My previous employer had given me the opportunity to build up a pension supplement through an insurance contract or an employee saving scheme. Before my retirement, I changed companies several times and forgot about this contract. The funds have been transferred to Caisse des Dépôts.
Old Livret A savings accounts
e.g.: My parents opened this account for me when I was six... I'd like to try and retrieve the money which has been transferred to Caisse des Dépôts.
Expired life insurance policy
e.g.: I'd completely forgotten about this life insurance policy, which expired some ten years ago and has now been transferred to Caisse des Dépôts.
Solicitors/Notaries
e.g: I am looking for sums of money from dormant accounts which have been transferred to Caisse des Dépôts as part of an inheritance.
Moving house or changing your name
e.g.: I may never have received the letter from the bank telling me that old accounts had been closed...