{"id":13190,"date":"2026-01-05T00:00:00","date_gmt":"2026-01-04T23:00:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/frais-bancaires-de-succession-un-nouveau-plafond-pour-2026\/"},"modified":"2026-01-05T00:00:00","modified_gmt":"2026-01-04T23:00:00","slug":"frais-bancaires-de-succession-un-nouveau-plafond-pour-2026","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/frais-bancaires-de-succession-un-nouveau-plafond-pour-2026\/","title":{"rendered":"Frais bancaires de succession : un nouveau plafond pour 2026"},"content":{"rendered":"<p>Pour rappel, la loi du 13 mai 2025 a encadr\u00e9 les \u00ab frais bancaires de succession \u00bb factur\u00e9s par les \u00e9tablissements pour r\u00e9aliser les op\u00e9rations sur les comptes des clients d\u00e9c\u00e9d\u00e9s. Un plafond a, dans ce cadre, \u00e9t\u00e9 instaur\u00e9. Plafond qui vient d\u2019\u00eatre mis \u00e0 jour pour 2026.<\/p>\n<h2>2026 : quel plafond pour les successions complexes ?<\/h2>\n<p>Pour rappel, seules les successions pr\u00e9sentant une \u00ab complexit\u00e9 \u00bb peuvent faire l\u2019objet de frais bancaires.<\/p>\n<p>Une succession \u00ab complexe \u00bb correspond aux hypoth\u00e8ses suivantes :<\/p>\n<ul>\n<li>le d\u00e9funt n\u2019a ni enfant, ni descendant ;<\/li>\n<li>un contrat de cr\u00e9dit immobilier souscrit par le d\u00e9funt est toujours en cours de remboursement \u00e0 la date de son d\u00e9c\u00e8s ;<\/li>\n<li>des comptes professionnels sont \u00e0 cl\u00f4turer ;<\/li>\n<li>une ou des s\u00fbret\u00e9s sont constitu\u00e9es sur un ou plusieurs comptes ou produits d&#8217;\u00e9pargne \u00e0 cl\u00f4turer ;<\/li>\n<li>les op\u00e9rations li\u00e9es \u00e0 la succession comportent un ou plusieurs \u00e9l\u00e9ments d&#8217;extran\u00e9it\u00e9 (domicile fiscal ou lieu d\u2019habitation habituel du d\u00e9funt ou de l\u2019un des h\u00e9ritiers localis\u00e9 \u00e0 l&#8217;\u00e9tranger, application totale ou partielle d&#8217;une loi \u00e9trang\u00e8re, etc.).<\/li>\n<\/ul>\n<p>Si des frais bancaires peuvent dans ces cas \u00eatre factur\u00e9s, ils doivent respecter un double plafond :<\/p>\n<ul>\n<li>un plafond fix\u00e9 par les pouvoirs publics ;<\/li>\n<li>une limite de 1 % du montant total des soldes des comptes et des produits d&#8217;\u00e9pargne.<\/li>\n<\/ul>\n<p>En 2025, le plafond avait \u00e9t\u00e9 fix\u00e9 \u00e0 850 \u20ac. Il est revaloris\u00e9 \u00e0 857 \u20ac pour 2026.<\/p>\n<div>Sources :  <\/p>\n<ul>\n<li><a href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000053177324\" target=\"_blank\">D\u00e9cret no 2025-1363 du 26 d\u00e9cembre 2025 relatif au plafond des frais bancaires applicables en cas de succession pr\u00e9sentant une complexit\u00e9 manifeste au sens de l&#8217;article L. 312-1-4-1 du code mon\u00e9taire et financier<\/a><\/li>\n<\/ul>\n<\/div>\n<p><a href=\"https:\/\/www.weblex.fr\/weblex-actualite\/frais-bancaires-de-succession-un-nouveau-plafond-pour-2026\" target=\"_blank\">Frais bancaires de succession : un nouveau plafond pour 2026<\/a> &#8211; \u00a9 Copyright WebLex<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.weblex.fr\/sites\/default\/files\/actualites\/images\/Shutterstock_fraisbancairessuccessions.jpg\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pour rappel, la loi du 13 mai 2025 a encadr\u00e9 les \u00ab frais bancaires de succession \u00bb factur\u00e9s par les \u00e9tablissements pour r\u00e9aliser les op\u00e9rations sur les comptes des clients d\u00e9c\u00e9d\u00e9s. Un plafond a, dans ce cadre, \u00e9t\u00e9 instaur\u00e9. Plafond qui vient d\u2019\u00eatre mis \u00e0 jour pour 2026.<\/p>\n","protected":false},"author":0,"featured_media":13191,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,7],"tags":[],"class_list":["post-13190","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu-juridique","category-actualites"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Frais bancaires de succession : un nouveau plafond pour 2026 - Cabinet Magar<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cabinet-magar.fr\/actualites\/frais-bancaires-de-succession-un-nouveau-plafond-pour-2026\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Frais bancaires de succession : un nouveau plafond pour 2026 - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"Pour rappel, la loi du 13 mai 2025 a encadr\u00e9 les \u00ab frais bancaires de succession \u00bb factur\u00e9s par les \u00e9tablissements pour r\u00e9aliser les op\u00e9rations sur les comptes des clients d\u00e9c\u00e9d\u00e9s. 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