Personal Training Account (PTA) of a Private Sector Employee

Verified 22 May 2024 - Directorate for Legal and Administrative Information (Prime Minister)

Do you want to take training to develop professionally? Know that everyone has a personal training account (PTA) from the moment they enter the labor market until their retirement. This account replaced the individual right to training (Dif). CPF can be used throughout your working life (including in periods of unemployment) to follow a qualifying or certifying training. We present you with the information you need to know.

This page is for the Personal Training Account (PTA) for the salaried worker. Public servants (incumbents and contractors) also have a right to the CPF, but under other conditions.

Video: What you need to know about this

Vidéo - CPF (Personal Training Account): your questions, our answers
Credits : Public Service (DILA)

Your questions / Our answers

Training

Personal Training Account (PTA)

Know your rights

What's CPF?

It's an account with a sum of money. This money allows you to take training throughout your life.

How do I know the amount of my CPF?

You have to go to www.moncompteformation.gouv.fr.

To create an account, your social security number is enough.

You can consult your training rights there. They are presented in the form of a sum in euros.

How is my CPF powered?

As long as you work at least half-time, your CPF is powered by €500 per year. With a total limit of 5000 €.

If you are less than half-time, this amount is proportional to your working time.

For example, if you work 1/5th of the time, i.e. 7 hours a week, your account is credited with 100 € per year.

How do I get my CPF money back?

This money can only be used for training.

It is up to you to take the initiative to use it, following the procedure on the My Account Training site.

Does my CPF allow me to take any training?

No, no, no. The training has to meet certain objectives.

For example, this may include:

- Certifying training, i.e. leading to a recognized professional certification

- Training to validate the experience gained

- A skills assessment

- Preparation for certain driving licenses

- Training dedicated to the creation or recovery of companies

The training courses available are on the My Training Account website.

Should I notify my employer of my request for training?

No, if the training takes place outside of working time.

But if it is scheduled during working time, you have to ask your employer for an absence authorization. This request must be made at least 60 days before the start of the training, or 120 days if the training lasts more than 6 months.

Can my employer refuse my request for training?

You do not need his approval for training outside working hours (e.g. evening or RTT).

But if the requested training takes place during working time, then your employer may refuse your request.

Can I do training more expensive than the amount available on my CPF?

Yeah. Yeah.

If the training you want costs more than the amount available on your CPF, you can look for a financial supplement.

Ask your employer or organizations such as the Agency or the Regional Council.

Can I use my CPF if I am unemployed?

Yeah. Yeah.

Your CPF follows you throughout your life. You retain your rights, even if you change employers or lose your job.

Can I give the amount of money from my CPF to a colleague or relative?

No, no, no.

This money cannot be donated to a third party.

The personal training account (PTA) shall record the following information:

  • Acquired rights throughout your working life and until your retirement
  • Training courses that you can benefit from personally.

Go to My Account Training in the section dedicated to creating an account:

My Training Account

You must have your Social Security number. You will find it on your Vitale card.

If you are domiciled abroad, you can register on the My Training Account site.

To do this, you must contact the IT support of this site. It can open access to the platform and all other services (e.g. consultation of training offers).

The Personal Training Account (PTA) can be accessed on the My Training Account online service:

My Training Account

You can also download the My Training Account app (via AppleStore or PlayStore) to your mobile phone.

FYI  

If you have forgot your password or if you no longer have access to your email, on My Training Account site tells you what to do.

This includes training aimed at:

  • Acquisition of a qualification (diploma, professional title, professional certification, etc.)
  • Acquiring the knowledge and skills base
  • Support for the validation of experience (VAE)
  • Skills assessment
  • Creation or resumption of a company (training courses must focus on skills acquisition) exclusively linked to the management of the company; they must therefore not be specific to the exercise of a trade in a particular sector of activity)
  • Acquisition of skills necessary to carry out the missions of volunteers in civic service
  • Financing of the land-based motor driving license.

To find a course that suits you, you need to log into your training account:

Find the right training for you

Preparation for the theoretical and practical tests of all categories driving license of a land motor vehicle is eligible for the CPF.

Example :

It is possible to finance the license:

  • B (preparations for the road code theoretical test and the driving license practical test)
  • C - Heavy goods vehicle
  • D - Public transport.

The following licenses are also concerned:

  • Light or powerful motorcycles (categories A1, A2)
  • Carts without a license (license B1)
  • Examinations authorizing holders of a B license to tow heavier trailers (B96 and BE licenses).

The same is true of theearly learning of driving.

Certain conditions must be brought together:

  • You can use the CPF if obtaining the license contributes to the realization of a professional project or to the security of your professional career
  • You must not be subject to a suspension of your driver's license or a prohibition on applying for one
  • Since May 19, 2024, you cannot use your CPF to obtain an A1, A2, A, B, B1 license if you already have another valid driving license in France

Example :

If you already have a B license, you will not be allowed to finance your motorcycle license (A1, A2 or A) using your CPF. This is also the case if you already have the motorcycle license and you want to finance your B license with your CPF. On the other hand, you can pass the BE license, even if you already have a B license or a motorcycle license.

Warning  

You attest on honor to fulfill these conditions.

To register for training on My Training Account, you must have a France Connect + account, via theLa Poste digital identity, even if you already have a France Connect account.

If you cannot obtain La Poste's digital identity (for example, if you are a minor or if you do not have a smartphone or if you are not comfortable with the Internet), a My Training Account sign-in alternative via France connect + has been set up.

You start to acquire rights when you start working.

If you have a job in year N, your rights are credited between January 30 and June 15 of year N+1.

Example :

If you worked in 2023, the training rights appear on your account on June 15, 2024 at the latest.

The rights shall remain vested even if:

  • You're changing employers
  • Or you lose your job.

FYI  

If you have never worked before and are registered with France Travail (formerly Pôle emploi), your CPF is open, credited to zero. It can therefore be funded, in particular by France Travail, to finance training.

CPF power supply

If you are at full-time, or at least part-time, your account is provisioned at €500 per year of work until €5,000 maximum.

FYI  

The amount entered on your CPF is not subject to income tax.

There are several special cases in particular:

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You're self-employed

The account is fed at the level of €500 per year of work until €5,000 maximum.

The amount of your fees is calculated proportionally if your activity was partial over the year.

You are an unqualified employee

The account feed is €800 per year of work until €8,000 maximum if you do not have a level of qualification leading to one of the following diplomas or diplomas:

  • CAP/BEP Diploma
  • Professional title registered and classified at level 3 of the NPRI: titleContent
  • Certification recognized by a national sectoral collective agreement

You have to work for it at least half the time.

You are a recognized worker with a disability

The account feed is €800 per year of work until €8,000 maximum.

Accident at work You are a victim of an occupational disease or a permanent disability of at least 10%

The account feed is €800 per year of work until €8,000 maximum.

You are receiving a disability pension

The account feed is €800 per year of work until €8,000 maximum.

You receive a military pension

The account feed is €800 per year of work until €8,000 maximum.

You receive a disability allowance or annuity from volunteer firefighters

The account feed is €800 per year of work until €8,000 maximum.

You have the Mobility Inclusion Card marked “Disability”

The account feed is €800 per year of work until €8,000 maximum.

You receive the Disabled Adult Allowance (DHA)

The account feed is €800 per year of work until €8,000 maximum.

If your working time has been less than half of the legal or agreed working time, your account will be credited in proportion to the working time you have worked.

Where the calculation of your entitlements results in an amount in euro with decimal places, that amount shall be rounded up to two decimal places, to the nearest euro cent.

Example :

Your company opts for the statutory annual working time of 1,607 hours.

You work 700 hours a year, less than half the time.

Thus, your rights will be calculated in proportion to the time actually worked. Instead of €500 every year, you will €217.80.

If you fall into more than one category in a year, the Caisse des Dépôts et Consignations (CDC) applies the most favorable annual feed amount and ceiling.

Please note

The following holidays count for the feeding of your CPF:

Employer's contribution

The employer can pay you money on your CPF in 6 cases:

  • An agreement provides for this (company, group or branch agreement)
  • In the companies of at least 50 employees, the employer did not realize professional maintenance, scheduled every two years, and you have not received at least one non-compulsory training measure in the last six years. The account is then credited with €3,000 complementary.
  • Your rights are insufficient to attend training. In this case, it is possible to ask for the free help of a career development advisor or contact your employer or human resources branch.
  • You are dismissed as a result of the refusal of an amendment to your employment contract resulting from the application of collective performance agreement (you have a abundance minimum of €3,000 of your CPF)
  • You are whistleblower and a penalty has been imposed by the labor council against your employer (you benefit from a abundance of your CPF, the amount of which is fixed by the Labor Council)
  • You are an employee and have assisted a whistleblower in making a report or disclosure (you receive a maximum of €8,000 of your CPF). The same applies if you are in contact with the whistleblower and risk sanctions from your employer.

Cumulation with other devices

CPF may be combined with other devices (e.g. with training provided by the skills development plan). This rollup allows the duration of the training to be extended.

No, no, no. It is not possible to transfer all or part of the money from the CPF to a third party.

If you are an employee and have worked in the public sector, your vested rights in hours can be converted into euros.

The conversion into euro of acquired rights in hours shall be effected at the rate of €15 per hour.

It must be done via the site My Training Account.

You keep your CPF throughout your working life.

This is because this account is attached to you and not to your status or employment contract.

This amount of money will accompany you throughout your professional life.

Warning  

If you claim all your pension rights, your CPF is normally closed.

Video - If you change jobs, will you lose the money that is on your CPF?

Vidéo - If I change jobs, will I lose the money that's on my CPF?
Credits : Public Service (DILA)

If I change jobs, will I lose the money that's on my CPF?

(SMS conversation between two friends)

- Congratulations on your new job! (smiley)

- Thank you!

However, I lose all my CPF money

- Are you sure? (questioning emoticons)

- Yes... the CPF amount is reset to zero when you change jobs

(Received Idea)

“If I change jobs, I lose my CPF money.”

(Response)

FALSE

It's a common misconception!

You keep your personal training account - called CPF - throughout your working life.

The CPF is used to fund training.

Except in special cases, it is supplied every year with 500 € if you work at least part time. Otherwise, this amount is proportional to your working time.

This total may not exceed € 5000. In addition, your company or certain organizations, such as France Travail (formerly Pôle emploi), can add money.

The CPF is attached to you, not to your status or employment contract.

Thus, the amount accumulated on your CPF does not disappear when your professional situation changes.

To better understand, let's take the example of an employee who evolves.

If he changes his company, he arrives at his new employer with the same amount of money on his CPF as when he left his former job.

If he becomes a jobseeker, his CPF is no longer funded, but the amount of money he had is still available for training.

And this whatever the reason for the termination of the employment contract: resignation, dismissal, or breach of contract....

What if he becomes a civil servant or a public official? He retains on his CPF the rights acquired during his previous private sector jobs.

Once in the civil service, a second CPF is open to him: it is fed every year, in hours - and not in euros.

If he wishes to use the rights he had previously acquired in euros, he can convert them into hours so that he can use them in accordance with civil service rules.

In all cases, if the employee claims all his pension rights, his CPF is in principle closed.

Finally, know two things:

Your CPF money cannot be placed in the bank or transferred to a relative

And you should never give your identity and social security number to a suspect organization.

(Key Points)

- You keep your CPF money throughout your working life

- This money is only used to finance your future training

You keep it even if:

- You change employer

- You subscribe to France Travail (formerly Pôle emploi)

- You are joining the public service

The amount of money on your CPF remains available.

Your CPF can be used at any time on the platform My Training Account :

  • From the foreigner for distance learning
  • In France.

Warning  

Your CPF money can't fund training for foreigner organizations.

Use of rights

The use of the CPF is your sole initiative. So your employer can't force you to use your CPF to fund training. You have to your agreement.

Your refusal to use your CPF is not a fault.

Reminder

You retain your acquired rights under the Dif, on condition to have carried them over to your CPF before 1er July 2021.

What approach would you take vis-à-vis your employer to use the CPF?

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Training taking place during working hours

You must ask your employer for permission at least:

  • 60 calendar days before the start of training if the duration of the training is less than 6 months
  • Or 120 calendar days before the start of training if the duration of the training is longer than 6 months.

The employer has 30 calendar days for you notify his answer.

Failure to reply within this period shall constitute acceptance of the request for training.

Non-working time training

You don't have to ask your employer for approval. You can freely exercise your rights to training. To do this, you can request a career development advisor.

You can talk about your plan to use the FPC to a Career Development Advisor (CPD). He can help you for free in your efforts.

Find your CEP operator

The sums entered on your CPF allow you to contribute to the cost of training.

However, the modalities of this care may vary according to the abundances solicited.

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General case

Educational expenses (i.e. training expenses) may be covered under the personal training account.

However, since May 2, 2024, you must participate in the financing training at €100.

Example :

The training of your choice costs €1,000 and you have more than €1,000 of CPF rights. In this case, you can mobilize only €900 of your CPF rights. Indeed, you must pay the mandatory financial participation of €100.

Another scenario: the training of your choice costs €1,000 and you have 950 € on your CPF account. You can only mobilize 900 € of your CPF rights: your participation of €100 is mandatory.

FYI  

Your Skills Operator (OPCO) or your employer can take care of €100.

This amount is indexed to inflation and reviewed every 1er January.

Mobility costs and related costs (e.g. transport and meals) are excluded.

If the CPF does not cover the total cost of training, other actors may complement this funding.

Example :

You, your Skills Operator (OPCO), theAgefiph: titleContent, your regional council, your city council, your departmental council, France Travail (formerly Pôle emploi), some associations through the citizen engagement account (CEC).

Employer abundance

Educational expenses (i.e. training expenses) may be covered under the personal training account.

FYI  

If you have an abundance from your employer, you're not concerned by obligation to contribute up to €100 the financing of training.

Mobility costs and related costs (e.g. transport and meals) are excluded.

If the CPF does not cover the full cost of training, other actors may complement this funding.

Example :

You, your employer, your skills operator (OPCO), theAgefiph: titleContent, your regional council, your city council, your departmental council, France Travail (formerly Pôle emploi), some associations through the citizen engagement account (CEC).

Mobilization of points registered in the Prevention Professional Account (C2P)

Educational expenses (i.e. training expenses) may be covered under the personal training account.

FYI  

If you decide to mobilize all or part of the points listed on your C2P to enter employment which is not exposed or less exposed to certain occupational risk factors, you're not concerned by obligation to contribute up to €100 the financing of training.

Mobility costs and related costs (e.g. transport and meals) are excluded.

If the CPF does not cover the full cost of training, other actors may complement this funding.

Example :

You, your employer, your skills operator (OPCO), theAgefiph: titleContent, your regional council, your city council, your departmental council, France Travail (formerly Pôle emploi), some associations through the citizen engagement account (CEC)...

Accident at work Abundance due to permanent disability of at least 10% (victims of an occupational disorder or disorder)

Educational expenses (i.e. training expenses) may be covered under the personal training account.

FYI  

If you use for reconversion the abundance due to permanent incapacity at least 10%  accident at work (victims of an occupational disease), you're not concerned by obligation to contribute up to €100 the financing of training.

Mobility costs and related costs (e.g. transport and meals) are excluded.

If the CPF does not cover the full cost of training, other actors may complement this funding.

Example :

You, your employer, your skills operator (OPCO), theAgefiph: titleContent, your regional council, your city council, your departmental council, France Travail (formerly Pôle emploi), some associations through the citizen engagement account (CEC)...

Hours spent on training during working time constitute a actual working time and give rise to holding by the employer of your remuneration.

On the other hand, when you train on your free time (i.e. outside working time), this training does not entitle you to remuneration.

The Caisse des Dépôts et Consignations provides advice in cases of attempted fraud.

It asks not to communicate sensitive information (e.g. banking data or passwords) by telephone or e-mail.

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You get a text message

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You can forward this SMS to the 33,700.

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To stop receiving unsolicited commercial phone calls, you can sign up for the list Bloctel.

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You receive an email

You don't click and you don't answer.

It is recommended that you delete the message.

You are a victim of a scam if you are in any of the following :

  • You were enrolled in training without knowing it
  • You can't connect to your CPF anymore and think you've been hacked
  • You have given your identity and your social security number to a suspicious organization

The site My Training Account How do I report a scam on My Training Account?gives you the steps to report this scam.

Who can help me?

Find who can answer your questions in your region

  • Help for My Account Training users

    Once you have created your account online, you can get information about using the website moncompteformation.gouv.fr.

    By telephone

    General information: 09 70 82 35 50 (call not surcharged)

    Technical problem on the site or mobile application: 09 70 82 35 51 (call not surcharged)

    By E-mail

    From your secure space, you can access the contact form to ask your advisor a question.

FAQ