All bank deposits that have not been actively managed by the customer for over 10 years are considered dormant. The DPR stipulates that deposits with a balance exceeding 100 euros, which remain inactive even after proper notification, will be closed, and the related funds will be transferred to a fund established at the Ministry of Economy and Finance. This fund aims to compensate savers who are victims of financial fraud (Law No. 266 of December 23, 2005, Article 1, Paragraph 345). <\/p>\n
To protect savers and enable them to “reactivate” their accounts before the funds are transferred to the Ministerial Fund, the regulation requires banks to inform their affected customers through the following methods: Holders of Registered Accounts<\/strong> It is sufficient that, within 180 days from the date of receipt of the registered letter for registered deposits or from the date of dormancy for bearer deposits, the holders of dormant deposits\u2014either directly or through an authorized representative\u2014carry out one of the following actions: <\/p>\n After the 180-day period mentioned above, such accounts will be considered officially dormant and, along with any related deposits, will be closed. The amounts resulting from the closure of the account will be transferred by the bank to the fund established at the Ministry of Economy and Finance. <\/p>\n [vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none”…<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-3757","page","type-page","status-publish"],"acf":[],"yoast_head":"\n
Sending a registered letter with return receipt Holders of Bearer Deposits<\/strong><\/p>\n\n
How to End the Dormant Status of the Account<\/h4>\n
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What Are the Consequences for Dormant Accounts That Are Not Reactivated<\/h4>\n
Publication of Lists of Dormant Accounts<\/h4>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” css=”.vc_custom_1717512456858{margin-bottom: 0px !important;}”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” bottom_margin=”0px” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” 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overlay_strength=”0.3″ width=”1\/3″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][attachment text=”List of Expired Banker’s Drafts as of 31-12-2023, Submitted to CONSAP on 31-05-2023″ url=”\/wp-content\/uploads\/2024\/06\/Elenco-degli-Assegni-Circolari-Prescritti-al-31-12-2023-versati-a-CONSAP-il-31-05-2023.pdf”][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all” css=”.vc_custom_1717512456858{margin-bottom: 0px !important;}”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” 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