Livret A, LDDS, LEP, PEL, these booklets earn between 3% and 6% interest for savers. Despite attractive rates, nearly 530,000 of these passbooks ended up in default and were transferred in 2022 to the Caisse des Dépts et Consignations.
526742 booklets A, Sustainable and Solidarity Development booklets (LDDS) and Popular Savings booklets (LEP) were transferred to the Caisse des Dépts in 2022, for a total moment of 131.9 million euros.
These millions have found no takers. Since the Eckert law of 2016, the Caisse des Dépts recovers millions of euros of unclaimed savings each year. Indeed, if the holder of an inactive savings account does not come forward, his investment is kept by the bank for 10 years and is then entrusted to the Caisse des Dépts for the following twenty years, before being transferred to the State.
| For an inactive account whose holder is still alive… | ||
|---|---|---|
| During 10 years | During 20 years | At the end of 30 years |
| At the bank | At the deposit office Accessible on Ciclade | reverse the state |
In the case of a deceased person, if the savings product is not claimed by the rightful claimants, it is kept in the bank for 3 years, then entrusted to the Caisse des Dépts for the following 27 years, then finally given the state after 30 years.
| For an account whose holder is dcd… (and not claimed by heirs) | ||
|---|---|---|
| During 3 years | During 27 years old (from the 10th to the 30th year without having been claimed) | At the end of 30 years |
| At the bank | At the deposit office Accessible on Ciclade | reverse the state |
In 2022, only 25.3million euros held on 38,838 passbooks A, LEP and LDDS were returned, according to the latest report from the Regulated Savings Observatory (ORE), published in July.
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Ciclade, the search engine to find your lost jackpot
In 2017, a search engine, Ciclade, free, was born. He is exclusively dedicated to the search for forgotten or unclaimed accounts or investments. Three families of banking and savings products can be found on Ciclade: bank accounts (Livret A, LDDS, LEP, PEL, Codevi, current account, securities account, etc.), life insurance and company savings plans (PEE). Between July 2016 and December 2022, a total of 7.8 billion euros were transferred to the Caisse des Dpts et consignations.
Livret A, LEP, PEL… What if you could recover thousands of euros without knowing it?
All products combined, the platform enabled various rights holders, in 2022, to recover 133.6 million euros. Since its creation, 684.1 million euros have been returned, for a average amount per beneficiary of 2583 euros.