Unlock my employee savings
Amount invested in a PEE (Employee Savings Plan) become available after a 5-year holding period.
Amounts invested in a PERCO or a PER (Retirement Savings Plans) become available when you retire (or at the legal retirement age for the PER).
You savings can, in exceptional cases, be unlocked before the scheduled date in certain situations
My available project savings
Has your savings been invested in your PEE (Employee Savings Plan) for 5 years?
You can easily request a full or partial withdrawal of your project savings directly from your Personal Online Space or the “My Employee Savings” mobile app, under the “Transactions > Request a Withdrawal” section.
*tools and associated services are provided by Natixis Interepargne
Taxation of the PEE upon withdrawal
When withdrawing from the PEE (Employee Savings Plan), only the capital gains earned on the invested amounts are subject to taxation. These gains are subject to the current social contributions (18.6%).
Social contributions are deducted at the time your savings are reimbursed and paid directly to the authorities.
Capital gains are calculated based on the Weighted Average Acquisition Price (PMPA), which represents the weighted average of the various acquisition prices of the securities.
Taxation of the PEE upon withdrawal
My available retirement savings
Have you reached the legal retirement age? The savings held in your PER (Retirement Savings Plan) are now accessible.
Are you retiring? The savings in your PERCO (Collective Retirement Savings Plan) or PER are available to you.
You have the option to request a full or partial withdrawal of your retirement savings.
You can choose to receive your retirement savings either as a lump sum or as regular payments (annuity), directly from your Personal Space or via the "Mon épargne salariale" mobile app.*
*tools and associated services are provided by Natixis Interepargne
Taxation of the PERCO upon withdrawal
Our telephone advisors are available at 0969 320 402 (variable cost depending on your operator) to help you prepare your withdrawal request.
My unavailable savings
You may request a full or partial withdrawal of your savings before the plan’s maturity in the following situations:
| Cases for early withdrawal | PEE | PERCO | PER | ||
| Voluntary Contributions, Employee Savings Plan | Mandatory Contributions | ||||
| Marriage or Civil Partnership (PACS) |  |
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| Birth or adoption | |
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| Domestic violence | |
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| Divorce, separation or end of Civil Partnership (PACS) | |
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| Disability | |
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| Death of the account holder | |
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Plan Closure | ||
| Death of spouse or civil partner | |
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| Termination of employment contract | |
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| Starting or taking over a business | |
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| Purchase of main residence | |
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| Extension of main residence | |
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| Energy renovation work on main residence | |
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| Natural disasters | |
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| Collective proceedings | |
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| Personal over-indebtedness | |
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| Unemployment | |
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| Purchase of an eco-friendly vehicle | |
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| Caregiver activity | |
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You can request an early release of all or part of your savings through your Personal Area or the "Mon épargne salariale" mobile app* under the section "Transactions > Request a reimbursement." The list of required supporting documents will be available after you select your reason for the withdrawal.
*Tools and related services provided by Natixis Interepargne.