{"id":187,"date":"2026-03-18T16:27:31","date_gmt":"2026-03-18T15:27:31","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=187"},"modified":"2026-03-18T16:27:31","modified_gmt":"2026-03-18T15:27:31","slug":"plus-de-164-millions-deuros-restitues-aux-francais","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais","title":{"rendered":"Plus de 164 millions d\u2019euros restitu\u00e9s aux Fran\u00e7ais"},"content":{"rendered":"<p>Nos compatriotes ont r\u00e9cup\u00e9r\u00e9 un bon pactole l\u2019ann\u00e9e derni\u00e8re. D\u2019apr\u00e8s les chiffres communiqu\u00e9s le 17 mars 2026 par la Banque des territoires &#8211; l\u2019une des entit\u00e9s de la Caisse des d\u00e9p\u00f4ts et consignations (CDC) -, 164,4 millions d\u2019euros ont \u00e9t\u00e9 rendus l\u2019an pass\u00e9 \u00e0 des b\u00e9n\u00e9ficiaires gr\u00e2ce au service gratuit <a href=\"https:\/\/www.toutsurmesfinances.com\/argent\/a\/ciclade-les-demarches-pour-recuperer-l-argent-sur-un-compte-inactif\">Ciclade<\/a>. C\u2019est 8% de plus qu\u2019en 2024.<\/p>\n<p>Et pour cause\u00a0: 200 000 demandes de restitution ont \u00e9t\u00e9 d\u00e9pos\u00e9es sur Ciclade en 2025, contre seulement 97\u00a0000 un an plus t\u00f4t. Sur ce volume, 174\u00a0000 paiements ont \u00e9t\u00e9 effectu\u00e9s l\u2019ann\u00e9e derni\u00e8re, versus 94\u00a0000 en 2024. Les b\u00e9n\u00e9ficiaires ont re\u00e7u, en moyenne, 943 euros chacun en 2025.<\/p>\n<p><strong>Un service 100% gratuit<\/strong><\/p>\n<p>Ciclade est un service enti\u00e8rement gratuit, mis en ligne en 2017 par la CDC. Il permet de reverser aux titulaires ou \u00e0 leurs h\u00e9ritiers les sommes log\u00e9es dans leurs contrats d\u2019assurance vie, contrats de capitalisation, comptes en banque, compte-titres, livrets d\u2019\u00e9pargne (Livret A, LDDS, Livret Jeune, Codevi [ex-LDDS]), plans d\u2019\u00e9pargne logement (PEL), plans d\u2019\u00e9pargne entreprise (PEE), produits individuels et collectifs d\u2019\u00e9pargne retraite (Perp, Madelin, Pr\u00e9fon-Retraite, Corem, PER, Perco, PERCOL\u2026), et temporaires d\u00e9c\u00e8s inactifs.<\/p>\n<p>Ciclade est issu de la loi Eckert de 2014 qui oblige les banques et assureurs \u00e0 transf\u00e9rer, au bout d\u2019un certain d\u00e9lai (10 ans en g\u00e9n\u00e9ral), les capitaux plac\u00e9s dans les comptes et contrats de leurs clients non utilis\u00e9s (aucune op\u00e9ration effectu\u00e9e) ou non r\u00e9clam\u00e9s \u00e0 leur d\u00e9c\u00e8s \u00e0 la Banque des territoires. Les d\u00e9tenteurs des produits ou leurs h\u00e9ritiers disposent de 20 ans pour r\u00e9clamer les sommes oubli\u00e9es. Au-del\u00e0, la CDC r\u00e9cup\u00e8re d\u00e9finitivement les capitaux (plus de recours possible).<\/p>\n<p>Depuis son lancement, Ciclade a permis \u00e0 des particuliers, notaires et ayants droit de r\u00e9cup\u00e9rer 1,2 milliard d\u2019euros.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Selon les donn\u00e9es de la Caisse des d\u00e9p\u00f4ts, 164,4 millions d\u2019euros issus de contrats d\u2019assurance vie, de comptes bancaires, de livrets d\u2019\u00e9pargne et de plan d\u2019\u00e9pargne salariale en d\u00e9sh\u00e9rence ont \u00e9t\u00e9 revers\u00e9s l\u2019an dernier \u00e0 des b\u00e9n\u00e9ficiaires.<\/p>\n","protected":false},"author":13713,"featured_media":188,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-187","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Plus de 164 millions d\u2019euros restitu\u00e9s aux Fran\u00e7ais - Actualit\u00e9s<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Plus de 164 millions d\u2019euros restitu\u00e9s aux Fran\u00e7ais - Actualit\u00e9s\" \/>\n<meta property=\"og:description\" content=\"Selon les donn\u00e9es de la Caisse des d\u00e9p\u00f4ts, 164,4 millions d\u2019euros issus de contrats d\u2019assurance vie, de comptes bancaires, de livrets d\u2019\u00e9pargne et de plan d\u2019\u00e9pargne salariale en d\u00e9sh\u00e9rence ont \u00e9t\u00e9 revers\u00e9s l\u2019an dernier \u00e0 des b\u00e9n\u00e9ficiaires.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais\" \/>\n<meta property=\"og:site_name\" content=\"Actualit\u00e9s\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-18T15:27:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-content\/uploads\/sites\/12\/2026\/03\/femme-argent.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"700\" \/>\n\t<meta property=\"og:image:height\" content=\"467\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Jean-Philippe Dubosc\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jean-Philippe Dubosc\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais\",\"url\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais\",\"name\":\"Plus de 164 millions d\u2019euros restitu\u00e9s aux Fran\u00e7ais - Actualit\u00e9s\",\"isPartOf\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-content\/uploads\/sites\/12\/2026\/03\/femme-argent.webp\",\"author\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/#\/schema\/person\/addc9e9b3978fa7947ead71bab57694c\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais#primaryimage\",\"url\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-content\/uploads\/sites\/12\/2026\/03\/femme-argent.webp\",\"contentUrl\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-content\/uploads\/sites\/12\/2026\/03\/femme-argent.webp\",\"width\":700,\"height\":467,\"caption\":\"Plus de 164 millions d\u2019euros restitu\u00e9s aux Fran\u00e7ais\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Plus de 164 millions d\u2019euros restitu\u00e9s aux Fran\u00e7ais\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/#website\",\"url\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/\",\"name\":\"Actualit\u00e9s\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/#\/schema\/person\/addc9e9b3978fa7947ead71bab57694c\",\"name\":\"Jean-Philippe Dubosc\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/a3cba30cdda1afe79f6ebffc6e952291?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/a3cba30cdda1afe79f6ebffc6e952291?s=96&d=mm&r=g\",\"caption\":\"Jean-Philippe Dubosc\"},\"description\":\"Jean-Philippe Dubosc est r\u00e9dacteur en chef de ToutSurMesFinances.com et sp\u00e9cialiste des questions de retraite obligatoire et d\u2019\u00e9pargne. Pr\u00e9sent au sein du m\u00e9dia depuis plus de 13 ans, il analyse les r\u00e9formes, les dispositifs r\u00e9glementaires et les strat\u00e9gies de d\u00e9part \u00e0 la retraite, avec une approche fond\u00e9e sur une lecture rigoureuse des textes et une connaissance approfondie des diff\u00e9rents r\u00e9gimes de retraite.\",\"sameAs\":[\"https:\/\/www.toutsurmesfinances.com\/author\/jpdubosc\",\"https:\/\/fr.linkedin.com\/in\/jpdubosc\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Plus de 164 millions d\u2019euros restitu\u00e9s aux Fran\u00e7ais - Actualit\u00e9s","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais","og_locale":"fr_FR","og_type":"article","og_title":"Plus de 164 millions d\u2019euros restitu\u00e9s aux Fran\u00e7ais - Actualit\u00e9s","og_description":"Selon les donn\u00e9es de la Caisse des d\u00e9p\u00f4ts, 164,4 millions d\u2019euros issus de contrats d\u2019assurance vie, de comptes bancaires, de livrets d\u2019\u00e9pargne et de plan d\u2019\u00e9pargne salariale en d\u00e9sh\u00e9rence ont \u00e9t\u00e9 revers\u00e9s l\u2019an dernier \u00e0 des b\u00e9n\u00e9ficiaires.","og_url":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais","og_site_name":"Actualit\u00e9s","article_published_time":"2026-03-18T15:27:31+00:00","og_image":[{"width":700,"height":467,"url":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-content\/uploads\/sites\/12\/2026\/03\/femme-argent.webp","type":"image\/webp"}],"author":"Jean-Philippe Dubosc","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Jean-Philippe Dubosc","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais","url":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais","name":"Plus de 164 millions d\u2019euros restitu\u00e9s aux Fran\u00e7ais - Actualit\u00e9s","isPartOf":{"@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais#primaryimage"},"image":{"@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais#primaryimage"},"thumbnailUrl":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-content\/uploads\/sites\/12\/2026\/03\/femme-argent.webp","author":{"@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/#\/schema\/person\/addc9e9b3978fa7947ead71bab57694c"},"breadcrumb":{"@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais#primaryimage","url":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-content\/uploads\/sites\/12\/2026\/03\/femme-argent.webp","contentUrl":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-content\/uploads\/sites\/12\/2026\/03\/femme-argent.webp","width":700,"height":467,"caption":"Plus de 164 millions d\u2019euros restitu\u00e9s aux Fran\u00e7ais"},{"@type":"BreadcrumbList","@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/plus-de-164-millions-deuros-restitues-aux-francais#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.toutsurmesfinances.com\/actualites\/"},{"@type":"ListItem","position":2,"name":"Plus de 164 millions d\u2019euros restitu\u00e9s aux Fran\u00e7ais"}]},{"@type":"WebSite","@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/#website","url":"https:\/\/www.toutsurmesfinances.com\/actualites\/","name":"Actualit\u00e9s","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.toutsurmesfinances.com\/actualites\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/#\/schema\/person\/addc9e9b3978fa7947ead71bab57694c","name":"Jean-Philippe Dubosc","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.toutsurmesfinances.com\/actualites\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/a3cba30cdda1afe79f6ebffc6e952291?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a3cba30cdda1afe79f6ebffc6e952291?s=96&d=mm&r=g","caption":"Jean-Philippe Dubosc"},"description":"Jean-Philippe Dubosc est r\u00e9dacteur en chef de ToutSurMesFinances.com et sp\u00e9cialiste des questions de retraite obligatoire et d\u2019\u00e9pargne. Pr\u00e9sent au sein du m\u00e9dia depuis plus de 13 ans, il analyse les r\u00e9formes, les dispositifs r\u00e9glementaires et les strat\u00e9gies de d\u00e9part \u00e0 la retraite, avec une approche fond\u00e9e sur une lecture rigoureuse des textes et une connaissance approfondie des diff\u00e9rents r\u00e9gimes de retraite.","sameAs":["https:\/\/www.toutsurmesfinances.com\/author\/jpdubosc","https:\/\/fr.linkedin.com\/in\/jpdubosc"]}]}},"_links":{"self":[{"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/posts\/187","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/users\/13713"}],"replies":[{"embeddable":true,"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/comments?post=187"}],"version-history":[{"count":1,"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/posts\/187\/revisions"}],"predecessor-version":[{"id":190,"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/posts\/187\/revisions\/190"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/media\/188"}],"wp:attachment":[{"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/media?parent=187"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/categories?post=187"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-json\/wp\/v2\/tags?post=187"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}