The personal training account provides an annual balance in euros for private sector employees, but the way to access it and the rules for use have significantly changed since 2024. Identifying your CPF code, understanding what it actually covers, and measuring the impact of recent reforms on training funding: this is what this article quantifies and dissects.
Financial participation and access to CPF: what changes between 2024 and 2026
| Criterion | Before 2024 | Since 2024 | Since April 6, 2026 |
|---|---|---|---|
| Financial participation of the holder | None | 100 euros per training | 150 euros per training |
| Connection method | Classic username/password | FranceConnect+ mandatory | FranceConnect+ mandatory |
| Annual funding (full-time employee) | 500 euros/year (ceiling 5,000 euros) | 500 euros/year (ceiling 5,000 euros) | 500 euros/year (ceiling 5,000 euros) |
| Exemption from participation | Not applicable | Job seekers | Job seekers |
The end of “everything free” changes the strategy for mobilizing the CPF. With 150 euros of personal contribution since April 2026, choosing a training course now involves a personal expense that encourages a more careful comparison of available certifications.
To delve deeper into the consultation processes and uses of the system, a detailed guide explains the CPF code on Aboutir Emploi, relying on the latest regulatory updates.
CPF Code: social security number or certification code
The confusion surrounding the term “CPF code” persists because it refers to two distinct things depending on the context. From the holder’s perspective, the CPF code corresponds to the social security number. This is the identifier used to create and access one’s account on the Mon Compte Formation platform.
From the training perspective, the CPF code refers to a certification code registered with the RNCP or the RS (Specific Directory). This code determines whether a training course is eligible for funding through the personal training account. Without this certification number, an organization cannot offer its training on the platform.
Finding your social security number
The number is found on the Vitale card, on pay slips, and on statements from the health insurance fund. It consists of 13 digits followed by a 2-digit control key.
- Physical Vitale card or Vitale card app on smartphone: the number appears on the front or on the main screen of the app
- Pay slip: mentioned in the header under “Social Security No.” or “NIR”
- Personal space Ameli.fr: accessible in the “My profile” section, without needing the physical card
Once you have this number, you can create your account on moncompteformation.gouv.fr via FranceConnect+, which requires enhanced identity verification (for example, via the La Poste Digital Identity app).
Verifying the certification code of a training course
On the Mon Compte Formation platform, each training sheet displays its RNCP or RS code. This code allows you to verify that the certification is indeed active and recognized. A training course without a valid RNCP or RS code is not eligible for funding through the CPF, regardless of the amount available in the account.
CPF Rights: when are they credited and how to read them
Rights are automatically credited in the first quarter of the following year. A full-time employee sees their account credited with 500 euros per year, up to a ceiling of 5,000 euros. Part-time employees whose working hours exceed 50% of full-time benefit from the same amount.
In contrast, low-skilled employees (below CAP/BEP level) benefit from an increased funding of 800 euros per year, with a ceiling raised to 8,000 euros.
The balance displayed on Mon Compte Formation corresponds to the accumulated acquired rights, minus the training already funded. If the counter shows zero, it may mean that the rights have been fully consumed or that the annual funding has not yet been carried out for the current fiscal year.
Training eligible for CPF: selection criteria and pitfalls to avoid
Not all training courses are eligible. Only those leading to a certification registered with the RNCP, the Specific Directory, or specific devices (skills assessment, VAE, driving license B and heavy goods vehicle) are fundable.
- RNCP certifications: diplomas and professional titles recognized by the State, from CAP level to Master’s level
- RS certifications: qualifications and complementary certifications (languages, office skills, transversal skills)
- Skills assessment: structured support to define a career change or development project
- Validation of acquired experience (VAE): obtaining a diploma based on professional experience without going through traditional training
- Driving licenses: categories B and heavy goods vehicle, provided that obtaining them contributes to achieving a professional project
Co-funding by the employer remains possible when the CPF balance does not cover the entire cost of the training. In this case, an agreement between the employee and the company allows for additional funding, sometimes via the branch’s OPCO.
Warning signals for fraudulent offers
The mandatory transition to FranceConnect+ has been implemented specifically to combat CPF scams. Any solicitation by phone, SMS, or email offering to use “your CPF rights before they expire” is fraudulent. CPF rights are not subject to any expiration date as long as the holder is active.
The Mon Compte Formation platform is the only official channel to check your balance and register for training. No third-party organization can access the account without the explicit consent of the holder via FranceConnect+.
The CPF remains a concrete funding lever for employees and job seekers, provided that the mandatory contribution of 150 euros is included in the calculation and that the certification code is systematically verified before any registration. Distinguishing between the social security number and the RNCP/RS code avoids the most common search errors on the platform.