How the capping of bank charges will relieve families from 2025

From November 2025, French heirs will no longer undergo the excess tariffs of banks. Furthermore, Thanks to a decree published on August 14, bank charges related to successions will now be capped at 850 euros. Furthermore, A salutary reform. However, born from a collective fed up in the face of practices deemed abusive, which promises to restore air to bereaved families.

A shock reform that ends an opaque system – How capping bank charges will

Until now. Similarly, banking establishments applied their own pricing grids, often incomprehensible for heirs. Moreover, Invoice 1 % of the amount held, without ceiling, was common. Moreover, This could represent thousands of euros to be paid by families, in the middle of mourning.

This ceiling of 850 euros, applicable to all successions, whether simple or complex, puts an end to this logic. Similarly, It introduces a clear, readable, and especially fair rule. how capping bank charges will For example, The instigator of this measure. Nevertheless, the deputy Christine Pirès Beaune, relied on real cases, like that of a couple invoiced 138 euros to close a book A of deceased child. Nevertheless, A strong symbol of the pricing drift.

A short paragraph to breathe: from now on, no more bank may exceed this amount. Furthermore, Regardless of the size of the deceased heritage.

This structural regulation breaks with decades of tacit tolerance. However, By fixing a uniform limit, the state sends a clear message: mourning should not be a pretext for overcharging.

Modest successions now completely exempt – How capping bank charges will

The reform is not limited to a ceiling: it also introduces total exemptions. In addition, in certain situations. If the deceased banking balance is less than 5,910 euros, no fees can be billed. A disposition thought for the most vulnerable homes.

Another major advance: successions of minors are now free. how capping bank charges will It is the direct echo in the scandal of booklet A at 138 euros. The law is repairing injustice, and restores a minimum of decency in post-mortem management.

The system also extends to so -called “simple” successions, without mortgage or missing heir. For these cases, the absence of complexity justifies the absence of costs.

This triple mechanism – cap, targeted exemptions, criteria of simplicity – completely redefines the way in which banks approach inheritances.

A strong response to controversial banking practices

This decree of 2025 is the answer to years of criticism carried by consumer associations. the media, and thousands of families. Grievances? Opacitity of costs, lack of justification, procedural slowness … and above all, a feeling of deep injustice.

The new regulations require a duty of transparency and readability. Banks will have to review their procedures and abandon the obscure packages in favor of a framed invoicing.

Minister how capping bank charges will Véronique Louwagie praised “a historic advance for confidence between the French and their banking establishments”.

An important point: this ceiling is not frozen. It will be indexed to inflation, guaranteeing its relevance over time. This adaptability makes sustainable reform.

Public opinion played a key role. The testimonies relayed in the press fed the political mobilization. A paradigm change inspired from below.

Massive savings to the heirs

Behind the technique, the concrete impact is massive. Before the reform, successions with 200,000 euros on the accounts of the deceased could generate 2,000 euros in bank charges. Now, 850 euros maximum. The gain is immediate.

Modest families, often the most affected, benefit from free under the threshold of 5,910 euros. For them, the outright abolition of costs represents a major relief, avoiding debt or tensions between heirs.

A notary can also intervene to optimize certain steps, and further reduce the final charge. how capping bank charges will In some cases, up to 2,000 euros in additional savings can be made.

This change rebatts the cards of post-mortem heritage management. He invites you to rethink the relationship between banks and the beneficiaries.

The message is clear: the deceased money should be used to transmit, not to enrich the institutions.

The banking sector forced to adapt

Unsurprisingly, the French banking federation has expressed its reserve. This cap, considered as a “administered pricing”, would be a questioning of the work accomplished by the banking advisers.

But the tone remains measured. The FBF claims to want to support customers in “these difficult times”. A posture that betrays a certain resignation, faced with a unanimous public opinion.

Behind the speeches, the banks will above all have to review their processes. Dematerialization, automation, reduction of fixed costs: profitability will now go through efficiency, more than billing.

The reform requires a silent transfer how capping bank charges will to the banking sector. A new balance of power is emerging between financial institutions and users.

If the banks want to maintain confidence, they will have to show transparency, listening … and pedagogy.

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