Income tax: watch out for this new tax levy on your bank account

On November 25, the tax administration made a third withdrawal from the bank accounts of taxpayers affected by an income tax catch-up of more than 300 euros. The last collection will take place on December 27.

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If you owe money on taxes, you will very quickly have to go to the cash register. On November 25, the tax authorities will once again make a deduction from the bank accounts of taxpayers who have not paid their 2023 income tax in full. As a reminder, following your tax return made last spring, the tax administration has calculated the final amount of your income tax. If the total withholding taxes (NOT) made in 2023 on your salaries or retirement pensions is lower than your tax, you have a balance to pay. This may, for example, be the case when you benefited from a salary increase last year and you have not changed the rate of your withholding tax. If the balance is less than 300 euros, you have been charged once and for all on September 26. But beyond this threshold, the tax authorities charge you three more times: October 25, November 25 and December 27.

An average withdrawal of 532 euros in November

To find out the amount of the tax, taxpayers affected by this regularization must go to the impots.gouv.fr website, in their particular space, in the “Documents” tab, to consult their 2024 tax notice on 2023 income. Under the heading “Amount remaining to pay” is the schedule for your withdrawals. THE total amount of the catch-up appearing on average at 2,127 euros for the 9.8 million households liable, the average levy made by the tax authorities on November 25 will be 532 euros.

And whatever amount you have to pay, you must have it in your bank account to avoid disappointment. Indeed, if the direct debit from the General Directorate of Public Finances (DGFiP) is rejected, you are exposed to fees charged by your bank and limited to 20 euros. And especially to a increase corresponding to 10% of the puncture planned, i.e. 53 euros for a direct debit of 532 euros. If you are short on cash, don’t hesitate to ask for a salary advance payment to your employer so as not to be doubly penalized, and adjust your withholding tax rate as quickly as possible to avoid another catch-up next year.