No less than 7 billion euros are still waiting to find their owner(s) at the Caisse des Dépôts. How do you know if you have also forgotten a savings account, bank account, employee savings plan or life insurance that is yours or belongs to you? Go to Ciclade.fr. In 2023, the more than 200,000 “winners” received an average restitution of 747 euros.
Do you know Ciclade.fr ? If you have never ventured there, know that no less than 15 million searches have already been carried out there. This platform for searching for abandoned savings or bank accounts was put online in 2017 by the Caisse des Dépôts. Objective: find account holders, life insurance beneficiaries or other beneficiaries of forgotten investments.
The role of the Caisse des Dépôts is in fact to collect unclaimed sums from banks or insurers, after a period of 3 or 10 years depending on the case. Then the Caisse des Dépôts keeps this jackpot (paying it at the legal rate of 0.3%) before the final award: after 30 years of inactivity, in total, the money is definitively returned to the State. In the meantime, the Caisse des Dépôts has a mission: to enable you to get your hands on this abandoned money. How ? Thanks to the Ciclade platform.
How to search? On Ciclade, launch a search, complete your personal information, or that of a loved one who could have left you investments (by naming you the beneficiary of life insurance for example). If the search is successful (“There is a possible match to your search”), you will need to create a personal space, prove your identity, enter your RIB, etc.
Life insurance, Livret A, PEL… What if, you too, a forgotten treasure of 1,784 euros was waiting for you?
11 million searches in 1 year
Launched in 2017, the Ciclade platform took full advantage of media exposure during its first year. Then she gradually left the media radar. This is due to (almost) non-existent advertising for this service in banks, and rather rare in Bercy.
Is it because the theme of purchasing power and therefore money in general has never been so present in the media? The year 2023 was that of rebound for Ciclade: 11 million queries on the search engine, for 15.1 million since its launch. The platform therefore did twice as well in one year as in its previous six years of existence.
747 euros returned on average in 2023
But it’s not like the funfair. We always win? No. These 11 million searches carried out in 2023 gave rise to 223,774 restitution requests in 2023which still remains three times more than the previous year: “only” 73,230 restitution requests were made in 2022. Important clarification: a restitution request is the result of a successful search, when the platform actually finds you a forgotten account or investment belonging to you… and that your approach ultimately results in a request for a payment.
THE average amount returned to beneficiaries via Ciclade in 2023 is of 747 eurosagainst an average of 1,784 euros since launch. Which means either that the biggest “treasures” were found in the first few years, or that a greater number of restitutions resulted in reimbursements of smaller amounts.
| Bank accounts (booklet, current account, PEL, etc.) | Life insurance | Employee savings | |
|---|---|---|---|
| Amounts transferred | 558.26 million euros either 66.5% sums returned | 209.5 million euros either 25% sums returned | 70.95 million euros either 8.5% sums returned |
| Average amount restitution per beneficiary | €1,326 | €6,767 | €3,940 |
Source: Caisse des Dépôts.
The life insurance category also includes unclaimed capitalization contracts.
Beware of fraud: never call you from Ciclade or the Caisse des Dépôts!
“Beware of fraud attempts on the internet, by telephone and by email,” warns the Caisse des Dépôts on its Ciclade portal: “The Caisse des Dépôts does not contact individuals or notaries to inform them of the existence of non-refundable amounts. claimed, nor to remit these sums directly to them. » The Ciclade.fr site, “free”, is “the only service allowing the search for unclaimed sums transferred to the Caisse des Dépôts”.