New rules will come into force concerning the invoicing of succession costs by banking establishments.
It is one of the subjects that most amazes the French. Already particularly painful, the loss of a loved one is still accompanied by costs. Expenses related to funeral, but not only. A heavy bank invoice also generally arrives a few days later. In order to transfer accounts to the heirs, the banks puncture part of the money held by the deceased.
A fatality that will finally end. Faced with anger caused by these expenses imposed, all banking establishments will have to remove part of the inheritance costs. Only a few situations will force the heirs to pay money to the bank to close the file.
This long -awaited suppression is linked to a incredible story that had gone around the media. In 2021, a couple had lost their child then 8 years old. He held a booklet A. When the parents closed him, the postal bank then levied to them 138.20 euros. Enough to trigger general indignation. The parents had been reimbursed and the policies had then seized the subject to change the rules.
In a few months, the succession costs taken by the banks will be deleted when liquidity will return to direct heirs (children, grandchildren, back grandchildren, parents, grandparents, brothers and sisters, uncles, aunts, cousins), whatever the sums present on the accounts. Costs may always apply in some cases, especially if a mortgage is underway or for the closing of a professional account (family SCIs are part of it).
In addition, if the succession is not done in “direct line” (situations listed above), this will be billed for the “complexity” of the file. Only one situation will allow you to be exempt: if the deceased held less than 5,910 euros on his accounts (increased amount of inflation every year). Finally, all bank succession costs will also be deleted as part of the death of a child.
If banks will always be able to take money after a death, this will finally be framed with a maximum limit of 1% of the total sums held by the deceased, to which will be added a still non-defined ceiling.
These new provisions were validated in early December by the National Assembly and must still be approved by the Senate. A period of six months before its entry at vigor will be observed. This should postpone its application at the end of 2025.