Personal Training Account (CPF) of a private sector employee

Verified 26 November 2025 - Public Service / Directorate of Legal and Administrative Information (Prime Minister)

Do you want to follow a training to evolve professionally? You should know that every person has a personal training account (CPF) from the moment they enter the labor market until they retire. This account replaced the individual right to training (Dif). The CPF can be used throughout your working life (including during periods of unemployment) for training certifying or non-certifying (example: skills assessment). We present you the rules to know.

Please note

The information presented here relates to the Personal Training Account (CPF) for the employee from the private sector. Civil servants (incumbents and contract staff) are also entitled to the CPF, but under other conditions.

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

Your questions / Our answers

Training

Personal Training Account (CPF)

Know your rights

What is 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 rights to training. They are presented in the form of a sum in euros.

How is my CPF powered?

As soon as you work at least part-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, that is to say 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 Training Account website.

Does my CPF allow me to take any training?

No. Training must meet certain objectives.

For example, it could be:

- Certifying training, that is to say, which allows to obtain a recognized professional certification

- Training to validate the experience gained

- A skills assessment

- Preparation for certain driving licenses

- Training dedicated to the creation or takeover of companies

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

Do I need to notify my employer of my training request?

No, if the training takes place outside working hours.

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

Can my employer refuse my training request?

You do not need his/her consent for non-working time training (e.g. evening or RTT).

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

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

Yes.

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

For example, ask your employer or organizations such as Agefiph or the regional council.

Can I use my CPF if I am unemployed?

Yes.

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

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

No.

This money cannot be donated to a third party.

The Personal Training Account (PTA) contains the following information:

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

Peculiarities exist if you live abroad.

General case

Go to My training account in the section dedicated to account creation:

My training account

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

Abroad

If you live abroad, you can register on the My training account site.

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

Who shall I contact

  • Help for users of the My Training Account site

    Once your account has been created online, you can obtain information on the use of the moncompteformation.gouv.fr website

    Via internet

    From your secure area, a heading :

    • Provides answers to several questions related for example to the rights acquired by the CPF, financing, registration for training...
    • May allow you to contact an advisor.

    Via a voice server

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

    Questions related to registration or login: 09 70 82 35 51 (call not surcharged) Monday to Friday from 9:00 am to 5:00 pm.

The Personal Training Account (CPF) is accessible on the online service My training account :

My training account

You can also download the application to your mobile phone My training account (via AppleStore or PlayStore).

FYI  

If you have forgot your password or if you no longer have access to your email, the My training account site tells you what to do.

These are training courses aimed at in particular the following objectives:

FYI  

Training in the acquisition of skills for create or resume a company must lead to a certification so that the CPF can be used.

In addition, the financing of preparation for theoretical and practical tests of all categories of conditional driving licenses is possible.

To find a training that suits you, you must log in to your training account:

Find the training that suits you

If you are an employee allophone, that you have signed a republican integration contract and that you wish to use your CPF for training in French as a foreign language, your application cannot be refused by your employer.

You must notify your employer of the periods of absence related to the conduct of this training within a period that may not be less than 30 calendar days before the action begins.

This training is carried out in whole or in part during working time. You may be absent for up to 28 hours to complete this training.

FYI  

These courses must aim to obtain diplomas or certifications attesting to the mastery of French at a level equal to or higher than level A2.

To register for a training on My training account, you must have a France Connect + account, via thedigital identity La Poste, even if you already have a France Connect account.

If you cannot obtain the digital identity of La Poste (example: you are a minor or you do not have a smartphone or you are not comfortable with the internet), a alternative solution to login to My training account has been put in place.

You start acquiring 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 2025, the training entitlements will appear on your account by June 15, 2026.

The rights are vested even if you change employers or lose your job.

FYI  

If you have never worked before and are enrolled in France Travail (formerly Pôle emploi), your CPF is open, credited at 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 funded up to €500 by year of work until €5,000 maximum.

FYI  

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

There are several special cases depending on your status, in particular:

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Self-employed

The account is fed up to €500 by year of work until €5,000 maximum.

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

So, if you have worked half the time in the year, your account is funded with €250 (i.e. €500 / 2).

Unskilled employee

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

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

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

Recognized Disabled Worker

If you are working at least part-time, the account will be €800 by year of work until 800 maximum.

Victim of an occupational disease or illness that has resulted in a permanent disability of at least 10%

The account feed is €800 by year of work until 800 maximum.

Holder of a disability pension

The account feed is €800 by year of work until 800 maximum.

Holder of a military pension

The account feed is €800 by year of work until 800 maximum.

Volunteer firefighters' disability allowance or annuity holder

The account feed is €800 by year of work until 800 maximum.

Holder of a mobility inclusion card marked “invalidity”

The account feed is €800 by year of work until 800 maximum.

Disabled Adult Allowance (DAA) Holder

The account feed is €800 by year of work until 800 maximum.

If your working time has been less than half of the legal or conventional working time, your account will be funded proportionally the working time worked.

When the calculation of your entitlement results in an amount in euros with decimal places, this amount is rounded to the second decimal place, to the next euro cent.

Example :

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

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

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

If you fall into several categories in the same year, the most favorable amount of feed and the ceiling are applied.

Please note

The following blends count towards powering your CPF:

Employer's contribution

The employer pays you money on your CPF in 6 cases:

  • An agreement provides for this (collective company, group or industry agreement)
  • In companies with at least 50 employees, the employer did not professional maintenance, scheduled every 2 years, and you have not received at least one non-compulsory training action in the last 6 years. The account is then credited with €3,000 complementary.
  • You are dismissed as a result of the refusal of an amendment to your employment contract resulting from the application of a collective performance agreement (you benefit from a abundance minimum of €3,000 of your CPF)
  • You are whistleblower and a penalty was imposed by the labor court against your employer (you benefit from abundance of your CPF (the amount of which is set by the labor court)
  • You are an employee and have helped a whistleblower to make a report or a disclosure (you benefit from a maximum €8,000 of your CPF). The same applies if you are in contact with the whistleblower and risk sanctions from your employer.

FYI  

Your rights are insufficient for training. It is then possible to request the free help of a career development advisor or to contact your employer or human resources department.

Cumulation with other devices

The CPF can be combined with other devices (for example with a training provided by the skills development plan). This accumulation makes it possible to extend the duration of the training.

Use of rights

The use of the CPF is your sole initiative. Your employer cannot therefore require you to use your CPF to finance training. We must your agreement.

Your refusal to use your CPF is not a fault.

Reminder

You retain your acquired rights under the Dif, provided to have reported them to your CPF before 1er July 2021.

What is the approach to be followed vis-à-vis the employer to use the CPF?

The approach varies depending on whether or not the training takes place during working time:

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Training during working time

You must ask your employer for permission at least:

  • 60 calendar days before the start of the training if it has a duration lower at 6 months
  • Or 120 calendar days before the start of the training if it has a duration superior at 6 months.

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

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

Non-working time training

You do not have to ask your employer for consent. You can mobilize your training rights freely.

For this, you can request a career development advisor.

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

Thus, it is possible to finance the permit:

  • B (preparations for the theoretical test of the highway code and the practical test of the driving license)
  • C - Heavy weight
  • D - Public transit.

The following permits are also concerned:

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

The same applies to theso-called early learning of driving.

Certain conditions shall be combined with:

  • You can use the CPF if obtaining the license contributes to the realization of a professional project (example: driving license of the heavy group to drive a bus or a road transport vehicle) or to promote the security of your professional career
  • You must not be subject to a suspension of your driver's license or a ban on applying for one
  • 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 license B, 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 must certify on honor that you meet these conditions.

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 acquired rights in hours can be converted into euros.

The conversion into euros of rights acquired in hours is carried out at the rate of €15 per hour.

It must be done via the site My training account.

Yes, you keep your CPF throughout your working life.

Indeed, this account is attached to your person and not to your status or your employment contract.

This amount of money therefore accompanies you throughout your professional life.

Warning  

If you exercise all your pension rights, your CPF is closed in principle.

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

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

(SMS conversation between two friends)

- Congratulations on your new job! (smiley)

- Thank you!

However, I lose all the money from my CPF

- Are you sure? (interrogative emoticon)

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

(Misconception)

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

(Answer)

FALSE

It's a misconception!

You keep your personal training account – known as CPF – throughout your working life.

The CPF is used to fund training.

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

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

The CPF is attached to your person, 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 is evolving.

If he changes companies, he comes to 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 remains available for training.

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

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

Once in the civil service, a second CPF is opened 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:

Money from your CPF cannot be placed in a bank or transferred to a relative

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

(Key points)

- You keep the money of your CPF throughout your professional life

- This money is only used to finance your future training

You keep it even if:

- You change employer

- You register for France Travail (formerly Pôle emploi)

- You join the public service

The 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 training
  • In France.

Warning  

The money from your CPF cannot finance training for foreigner organizations.

You can talk about your plan to use the CPF to a Professional Development Advisor (CEP). He can help you free of charge in your endeavors.

Find your CEP operator

The amounts entered on your CPF allow you to participate in the coverage of training costs.

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

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General case

Teaching costs (i.e. training costs) may be covered under the personal training account.

However, you must participate in funding training at the level of €102.23.

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 €897.77 of your CPF rights: your participation in €102.23 being mandatory.

Another scenario is: the training of your choice costs €1,000 and you have €950 on your CPF account. You can mobilize only €897.77 of your CPF rights: your participation in €102.23 being mandatory.

FYI  

Your Skills operator (OPCO) or your employer can take care of these €102.23.

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

Mobility costs and annexes (e.g. transport and meals) are excluded from this coverage.

If the CPF does not cover the total cost of training, other actors (in addition to yourself) may complete this funding.

Example :

Your skills operator (OPCO), theAgefiph: titleContent, your regional council, your town hall, your departmental council, France Travail (formerly Pôle emploi), certain associations by the citizen engagement account (CEC), the Cnam: titleContent.

These funders can reserve these abundances certain actions and set a time limit for their use. They can also request a refund of unused amounts.

Employer Abundance

Pedagogical costs (i.e. training costs) may be covered under the CPF.

FYI  

If you receive a contribution from your employer, you're not involved by the obligation to contribute up to €102.23 the financing of training.

Mobility costs and annexes (e.g. transport and meals) are excluded from this coverage.

If the CPF does not cover the total cost of the training, other players (in addition to yourself) may complete this funding.

Example :

Your employer, your Skills operator (OPCO), theAgefiph: titleContent, your regional council, your town hall, your departmental council, France Travail (formerly Pôle emploi), certain associations by the citizen engagement account (CEC), the Cnam: titleContent.

These funders can reserve these abundances certain actions and set a time limit for their use. They can also request a refund of unused amounts.

Mobilization of points registered on the professional prevention account (C2P)

Teaching costs (i.e. training costs) may be covered under the personal training account.

FYI  

If you decide to mobilize all or part of the points written on your C2P to access a job that is not exposed or less exposed to certain occupational risk factors, you're not involved by the obligation to contribute up to €102.23 .

Mobility costs and annexes (e.g. transport and meals) are excluded from this coverage.

If the CPF does not cover the total cost of the training, other players (in addition to yourself) may complete this funding.

Example :

Your employer, your Skills operator (OPCO), theAgefiph: titleContent, your regional council, your town hall, your departmental council, France Travail (formerly Pôle emploi), certain associations by the citizen engagement account (CEC), the Cnam: titleContent.

These funders can reserve these abundances certain actions and set a time limit for their use. They can also request a refund of unused amounts.

Abundance due to permanent disability of at least 10% (victims of an occupational disease or illness)

Teaching costs (i.e. training costs) may be covered under the personal training account.

FYI  

If you use for conversion the supplement due to permanent incapacity at least 10%  (victims of an occupational disease), you're not involved by the obligation to contribute up to €102.23 .

Mobility costs and annexes (e.g. transport and meals) are excluded from this coverage.

If the CPF does not cover the total cost of the training, other players (in addition to yourself) may complete this funding.

Example :

Your employer, your Skills operator (OPCO), theAgefiph: titleContent, your regional council, your town hall, your departmental council, France Travail (formerly Pôle emploi), certain associations by the citizen engagement account (CEC), the Cnam: titleContent.

These funders can reserve these abundances certain actions and set a time limit for their use. They can also request a refund of unused amounts.

The rules differ depending on whether or not the training takes place during working time:

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Training during working time

Your remuneration is maintained by your employer.

Non-working time training

This training does not not straight for remuneration.

The rules vary depending on your situation:

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Cumulative employment and retirement

The situation varies according to your age:

You are under 67

You can mobilize your CPF to finance your training until you are 67 or you retire completely.

You are 67 years of age or older

Your CPF ceases to be funded and you can no longer use the rights entered in it for the purchase of training.

However, you can use if you meet the conditions of your citizen engagement account (CEC).

Cumulation account citizen engagement and retirement

If you have claimed your pension rights, you will no longer be able to use your training rights.

Only rights citizen engagement account (CEC) can be used to finance training actions intended to enable you, as an associative or voluntary civic service, to acquire the necessary skills to carry out your missions.

The Deposit and deposit fund provides advice in case of attempted fraud.

It asks not to communicate sensitive information (e.g. bank details or passwords) by telephone or messaging.

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You do not have to click and you do not have to answer. It is advisable to delete the message.

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

  • You have been enrolled in training without knowing it
  • You can no longer connect to your CPF and think you have been hacked
  • You have given your identity and 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 users of the My Training Account site

    Once your account has been created online, you can obtain information on the use of the moncompteformation.gouv.fr website

    Via internet

    From your secure area, a heading :

    • Provides answers to several questions related for example to the rights acquired by the CPF, financing, registration for training...
    • May allow you to contact an advisor.

    Via a voice server

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

    Questions related to registration or login: 09 70 82 35 51 (call not surcharged) Monday to Friday from 9:00 am to 5:00 pm.

FAQ