What happens if I don't use my Nickel account?

Since January 1, 2016, the Eckert law has required banks and payment institutions to identify inactive accounts. The aim of this law is to enable beneficiaries and rightful claimants to trace a forgotten account.

When is my account considered inactive?

Your account is considered inactive if you meet the following 2 conditions over a 12-month period:

• No transactions have been carried out on the account: transfers, deposits, payments, etc. 
• The account holder or his/her legal representative has not contacted Nickel in any way (call to Customer Service, email, etc.).

What are our obligations?

As soon as we notice that your account is inactive, we inform you of the inactivity and its consequences. We send you an e-mail:

• Every year up to 9 years of inactivity (2 years in the event of the death of the account holder if no beneficiary has come forward) 
• 6 months before the account is closed:
  If no reply is received from you or your heirs after 10 years of inactivity (or 3 years in the event of death), we will transfer your assets to the Caisse des Dépôts et Consignations and archive all information and documents concerning you and your closed account.