The types of account concerned are:
- Current Account
- Sight Deposit account
- Securities account
- Livret A
- Livret de développement durable et solidaire (LDDS)
- Passbook savings scheme for young people
- Codevi (Compte pour le développement industriel)
- Home ownership savings scheme (PEL)
Accounts whose holder is alive*
Bank
for 10 years
A bank account is closed by the bank and its balance transferred to Caisse des Dépôts if the account Holder has not made any Contact for 10 years.
Caisse des Dépôts
for 20 years
Caisse des Dépôts keeps the sums it receives for up to 20 years.
State/Overseas collectivities
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 or the overseas collectivities.
Accounts whose holder is deceased*
Bank
for 3 years
A deceased person’s bank account is closed and its balance transferred to Caisse des Dépôts if the entitled parties have not made any contact for 3 years.
If the account expired less than 3 years ago, it will still be held by the bank, which keeps it available to the entitled parties.
Caisse des Dépôts
for 27 years
Caisse des Dépôts keeps the sums it receives for up to 27 years.
State/Overseas collectivities
after 30 years
If there has been no contact on the part of the entitled parties after 30 years, the assets are transferred irreversibly to the State or the overseas collectivities.
* This information concerns the sums relating to the Eckert law excluding recovery of prior rights.