{"id":623,"date":"2026-01-10T19:13:40","date_gmt":"2026-01-10T18:13:40","guid":{"rendered":"https:\/\/prospective-eac.com\/?p=623"},"modified":"2026-01-10T19:13:41","modified_gmt":"2026-01-10T18:13:41","slug":"frais-bancaires-sur-operations-liees-a-une-succession","status":"publish","type":"post","link":"https:\/\/prospective-eac.fr\/index.php\/2026\/01\/10\/frais-bancaires-sur-operations-liees-a-une-succession\/","title":{"rendered":"Frais bancaires sur op\u00e9rations li\u00e8es \u00e0 une succession"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Frais bancaires sur succession : la r\u00e9glementation se durcit. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le d\u00e9cret n\u00b02025-813 du 13 ao\u00fbt 2025, pris pour application de la loi du 13 mai 2025, vient encadrer les frais factur\u00e9s par les banques lors du r\u00e8glement des successions. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udfaf Objectif : instaurer un cadre transparent et proportionn\u00e9 aux op\u00e9rations r\u00e9ellement effectu\u00e9es. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd39 Le principe : la gratuit\u00e9 Les op\u00e9rations bancaires sont d\u00e9sormais gratuites dans trois cas : <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1\ufe0f\u20e3 Successions sans complexit\u00e9 manifeste, <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2\ufe0f\u20e3 Montant total des avoirs inf\u00e9rieur \u00e0 5 910 \u20ac, <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3\ufe0f\u20e3 Succession d\u2019un enfant mineur. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udd39 Les exceptions : la complexit\u00e9 internationale S\u2019il existe un \u00e9l\u00e9ment d\u2019extran\u00e9it\u00e9 (h\u00e9ritier ou d\u00e9funt domicili\u00e9 \u00e0 l\u2019\u00e9tranger, loi \u00e9trang\u00e8re applicable, etc.), la banque peut facturer des frais. Mais ceux-ci sont strictement plafonn\u00e9s \u00e0 :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u27a1\ufe0f 1 % du total des avoirs, dans la limite de 850 \u20ac maximum, <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u27a1\ufe0f Revalorisation annuelle index\u00e9e sur l\u2019inflation. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 Aucun d\u00e9cret ne liste les op\u00e9rations concern\u00e9es : le dispositif s\u2019applique donc \u00e0 toutes les op\u00e9rations bancaires li\u00e9es au r\u00e8glement d\u2019une succession. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Un texte attendu par les associations de consommateurs, mais qui oblige d\u00e9sormais les \u00e9tablissements bancaires \u00e0 aligner leurs pratiques sur un principe de proportionnalit\u00e9 r\u00e9elle. Entr\u00e9e en vigueur le 13 novembre 2025. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">#Banque #Succession #Frais<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Frais bancaires sur succession : la r\u00e9glementation se durcit. Le d\u00e9cret n\u00b02025-813 du 13 ao\u00fbt 2025, pris pour application de la loi du 13 mai 2025, vient encadrer les frais&hellip;<a href=\"https:\/\/prospective-eac.fr\/index.php\/2026\/01\/10\/frais-bancaires-sur-operations-liees-a-une-succession\/\" class=\"more-link\"><span class=\"more-button\">Continue reading<span class=\"screen-reader-text\">Frais bancaires sur op\u00e9rations li\u00e8es \u00e0 une succession<\/span><\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[26],"tags":[],"class_list":["post-623","post","type-post","status-publish","format-standard","hentry","category-finance"],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/prospective-eac.fr\/index.php\/wp-json\/wp\/v2\/posts\/623","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prospective-eac.fr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/prospective-eac.fr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/prospective-eac.fr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/prospective-eac.fr\/index.php\/wp-json\/wp\/v2\/comments?post=623"}],"version-history":[{"count":1,"href":"https:\/\/prospective-eac.fr\/index.php\/wp-json\/wp\/v2\/posts\/623\/revisions"}],"predecessor-version":[{"id":624,"href":"https:\/\/prospective-eac.fr\/index.php\/wp-json\/wp\/v2\/posts\/623\/revisions\/624"}],"wp:attachment":[{"href":"https:\/\/prospective-eac.fr\/index.php\/wp-json\/wp\/v2\/media?parent=623"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/prospective-eac.fr\/index.php\/wp-json\/wp\/v2\/categories?post=623"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/prospective-eac.fr\/index.php\/wp-json\/wp\/v2\/tags?post=623"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}