Overview
- Bumeran’s poll of 266 employees reports 38% plan to use their CTS to pay debts, 29% to save, and 10% for professional training.
- Access remains widespread but slightly lower than 2024, with 83% saying they receive the benefit at work and varied deposit amounts reported across income bands.
- Timing clustered around the legal cutoff: 45% received CTS before Nov. 15, 37% on the date, and 18% after; two thirds rate the process good or very good.
- Most respondents judge the CTS insufficient (64%) and cite delays (26%), unclear information (13%), banking issues (11%) and calculation errors (6%) as recurring problems.
- Policy and practical context: a law in force authorizes free disposal of 100% of CTS until Dec. 31, 2026, the Nov. 15 deposit deadline applied for the May–Oct. period, and banks may take up to 48 business hours to release funds after deposit.