BlogArticleController :: show
Request
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_controller | "App\Controller\BlogArticleController::show" |
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blogArticle | App\Entity\BlogArticle {#632 -id: 47 -title: "👉 Combien coûtent les frais bancaires lors d'une succession ?" -content: """ <p><span style="font-size:16px">👉 Combien coûtent les frais bancaires lors d'une succession ?<br />\r\n (Et ce qui change à partir du 13 novembre 2025)</span></p>\r\n \r\n <p><br />\r\n <span style="font-size:16px">Une succession, ce n’est jamais simple. Et les frais bancaires associés le sont encore moins.<br />\r\n Depuis la <strong>loi du 13 mai 2025</strong>, complétée par le <strong>décret du 13 août 2025</strong>, de nouvelles règles viennent encadrer strictement les frais facturés par les banques.<br />\r\n Mais alors, <strong>quand est-ce gratuit ? Quand les frais sont-ils plafonnés ?</strong> Et jusqu’à combien pouvez-vous être facturé ?<br />\r\n Décryptage par <strong>Virginie Le Gallo</strong>, responsable du pôle succession et spécialiste en la matière en notre Étude.</span></p>\r\n \r\n <p><span style="font-size:16px"><strong>✅ Gratuité dans 3 situations</strong></span></p>\r\n \r\n <p><span style="font-size:16px">À <strong>partir du 13 novembre 2025</strong>, <strong>aucun frais bancaire ne peut être facturé</strong> si :</span></p>\r\n \r\n <ol start="1">\r\n \t<li>\r\n \t<p><span style="font-size:16px">Le défunt était <strong>mineur</strong> ;</span></p>\r\n \t</li>\r\n \t<li>\r\n \t<p><span style="font-size:16px">Le montant total des comptes et produits d’épargne est <strong>inférieur à 5 910 €</strong> (révisé chaque année) ;</span></p>\r\n \t</li>\r\n \t<li>\r\n \t<p><span style="font-size:16px">La succession est <strong>simple</strong>, et les héritiers présentent un acte de notoriété ou une attestation conjointe.</span></p>\r\n \t</li>\r\n </ol>\r\n \r\n <p><span style="font-size:16px">Mais attention : ce <strong>troisième cas de gratuité</strong> ne s’applique <strong>que si la succession n’est pas “complexe”</strong>.</span></p>\r\n \r\n <p><span style="font-size:16px"><strong>⚠️ Qu’est-ce qu’une succession complexe ?</strong></span></p>\r\n \r\n <p><span style="font-size:16px">Une <strong>complexité manifeste</strong> annule la gratuité. Elle est définie par les situations suivantes :</span></p>\r\n \r\n <ul>\r\n \t<li>\r\n \t<p><span style="font-size:16px">Le défunt <strong>n’a pas d’héritier au sens de l’article 734 du Code civil</strong> (ex : successions vacantes, etc.) ;</span></p>\r\n \t</li>\r\n \t<li>\r\n \t<p><span style="font-size:16px">Le défunt avait un <strong>crédit immobilier</strong> en cours ;</span></p>\r\n \t</li>\r\n \t<li>\r\n \t<p><span style="font-size:16px">Il détenait un ou plusieurs <strong>comptes professionnels</strong> ;</span></p>\r\n \t</li>\r\n \t<li>\r\n \t<p><span style="font-size:16px">Des <strong>sûretés</strong> sont enregistrées sur ses comptes ;</span></p>\r\n \t</li>\r\n \t<li>\r\n \t<p><span style="font-size:16px">Il existe des <strong>éléments d’extranéité</strong> (héritiers ou défunt à l’étranger, droit étranger applicable, etc.).</span></p>\r\n \t</li>\r\n </ul>\r\n \r\n <p><span style="font-size:16px"><strong>💰 Quel est le plafond des frais bancaires ?</strong></span></p>\r\n \r\n <p><span style="font-size:16px">Si la succession <strong>n’est pas éligible à la gratuité</strong>, la banque <strong>peut facturer des frais</strong>, mais dans les limites suivantes :</span></p>\r\n \r\n <ul>\r\n \t<li>\r\n \t<p><span style="font-size:16px"><strong>1 % du total des avoirs (comptes + épargne)</strong></span></p>\r\n \t</li>\r\n \t<li>\r\n \t<p><span style="font-size:16px">Avec un <strong>plafond absolu de 850 €</strong>, même si 1 % dépasse ce montant</span></p>\r\n \t</li>\r\n </ul>\r\n \r\n <p><span style="font-size:16px">💡 Ce plafond de 850 € est <strong>revalorisé chaque 1er janvier</strong> selon l’inflation (indice INSEE, hors tabac).</span></p>\r\n \r\n <p><span style="font-size:16px"><strong>🏦 Quels comptes sont concernés ?</strong></span></p>\r\n \r\n <p><span style="font-size:16px">✅ Comptes de dépôt<br />\r\n ✅ Comptes de paiement<br />\r\n ✅ Livrets réglementés (Livret A, LDD, LEP…)<br />\r\n ✅ Produits d’épargne réglementée</span></p>\r\n \r\n <p><span style="font-size:16px">🚫 <strong>Sont exclus</strong> :</span></p>\r\n \r\n <ul>\r\n \t<li>\r\n \t<p><span style="font-size:16px"><strong>Comptes PME Innovation</strong></span></p>\r\n \t</li>\r\n \t<li>\r\n \t<p><span style="font-size:16px"><strong>Plans d’Épargne Avenir Climat (PEAC)</strong></span></p>\r\n \t</li>\r\n </ul>\r\n \r\n <p><br />\r\n <span style="font-size:16px">👉 La réforme est désormais claire, opérationnelle et mieux encadrée.<br />\r\n Mais dans la pratique, chaque succession est unique.<br />\r\n <em>"Ce nouveau cadre protège les héritiers, mais nécessite une vraie lecture personnalisée des cas de complexité"</em>, précise <strong>Virginie Le Gallo</strong>.</span></p> """ -image: "09_post_laroche_25_sept3-dcba1048-519b-4b2f-91d3-67b4006390f9.jpg" -video: null -createdAt: DateTime @1758782613 {#633 : 2025-09-25 08:43:33.0 Europe/Paris (+02:00) } -updatedAt: null -category: Proxies\__CG__\App\Entity\BlogCategory {#656 …} -isEnabled: true -slug: "combien-coutent-les-frais-bancaires-lors-dune-succession" } |
slug | "combien-coutent-les-frais-bancaires-lors-dune-succession" |
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Response
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cache-control | "no-cache, private" |
content-type | "text/html; charset=UTF-8" |
date | "Sat, 11 Oct 2025 14:28:20 GMT" |
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Cookies
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Session 10
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Created | "Sat, 11 Oct 25 16:28:20 +0200" |
Last used | "Sat, 11 Oct 25 16:28:20 +0200" |
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Session Usage
10
Usages
Stateless check enabled
Usage |
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Gregwar\CaptchaBundle\Type\CaptchaType:94
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Gregwar\CaptchaBundle\Type\CaptchaType:98
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Gregwar\CaptchaBundle\Type\CaptchaType:118
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:101
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Symfony\Component\Security\Csrf\TokenStorage\SessionTokenStorage:88
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Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:72
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Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:73
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Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:74
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Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:75
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Symfony\Component\HttpKernel\DataCollector\RequestDataCollector:76
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Server Parameters
Server Parameters
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Key | Value |
---|---|
APP_ENV | "dev" |
APP_SECRET | "18b1bce5554bf83c8cdfc8efed2236ec" |
DATABASE_URL | "mysql://larocheassocies:CVS94ledwF7WPsty@127.0.0.1:3306/larocheassocies" |
MAILER_DSN | "smtp://web1@delit-dinfluence.fr:5b6n78CQiZ7ZtA4e@ssl0.ovh.net:465" |
MESSENGER_TRANSPORT_DSN | "doctrine://default?auto_setup=0" |
Defined as regular env variables
Key | Value |
---|---|
APP_DEBUG | "1" |
CONTEXT_DOCUMENT_ROOT | "/home/debian/www/laroche-associes/preproduction/public" |
CONTEXT_PREFIX | "" |
DOCUMENT_ROOT | "/home/debian/www/laroche-associes/preproduction/public" |
GATEWAY_INTERFACE | "CGI/1.1" |
HTTPS | "on" |
HTTP_ACCEPT | "*/*" |
HTTP_ACCEPT_ENCODING | "gzip, br, zstd, deflate" |
HTTP_HOST | "preprod-laroche.delit-dinfluence.fr" |
HTTP_USER_AGENT | "Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)" |
PATH | "/usr/local/sbin:/usr/local/bin:/usr/sbin:/usr/bin:/sbin:/bin:/snap/bin" |
PHP_SELF | "/index.php" |
QUERY_STRING | "" |
REMOTE_ADDR | "216.73.216.51" |
REMOTE_PORT | "23571" |
REQUEST_METHOD | "GET" |
REQUEST_SCHEME | "https" |
REQUEST_TIME | 1760192900 |
REQUEST_TIME_FLOAT | 1760192900.9106 |
REQUEST_URI | "/blog/combien-coutent-les-frais-bancaires-lors-dune-succession" |
SCRIPT_FILENAME | "/home/debian/www/laroche-associes/preproduction/public/index.php" |
SCRIPT_NAME | "/index.php" |
SERVER_ADDR | "51.178.143.171" |
SERVER_ADMIN | "webmaster@localhost" |
SERVER_NAME | "preprod-laroche.delit-dinfluence.fr" |
SERVER_PORT | "443" |
SERVER_PROTOCOL | "HTTP/1.1" |
SERVER_SIGNATURE | "<address>Apache/2.4.65 (Debian) Server at preprod-laroche.delit-dinfluence.fr Port 443</address>\n" |
SERVER_SOFTWARE | "Apache/2.4.65 (Debian)" |
SSL_TLS_SNI | "preprod-laroche.delit-dinfluence.fr" |
SYMFONY_DOTENV_VARS | "APP_ENV,APP_SECRET,MESSENGER_TRANSPORT_DSN,DATABASE_URL,MAILER_DSN" |