Bank charges levied in the event of death, ancient history? Since November 13, 2025, a cap now applies to fees charged by banks when closing the deceased’s accounts. The accounts in question are both deposit accounts (current accounts) and savings accounts: Livret A, Popular Savings Booklet (LEP), Sustainable and Solidarity Development Booklet (LDDS), the Youth Booklet, the Housing Savings Plan (PEL), etc.
Note that these fees will now be reduced to zero if the total of all of these accounts is less than 5,910 euros (amount which will be revalued every year according to inflation). Beyond this, the costs cannot exceed 1% of the total amountwith whatever happens, a ceiling of 850 euros. According to the Panorabanques comparator, which has studied the evolution of banks’ commercial brochures since November 13, “most establishments apply this regulatory framework”, without going any further.
More generous ceilings or completely free inheritance fees
But some do better. At CIC, within the Crédit Mutuel Alliance Fédérale funds, or at Monabanq, the ceiling for free fees has been raised. In other words, we do not start paying from 5,910 euros, but from 10,000 euros of liquidity on the day of death. Beyond that, a fee of 1% applies, for an amount which cannot exceed 1,000 euros.
In the same spirit, other establishments have preferred to lower the fee ceiling, in other words, the maximum amount that heirs may be required to pay. At Crédit agricole Alsace-Vosges, the fees will not exceed 620 euros, or 750 euros at BNP Paribas and Hello Bank. That is less than the regulatory 850 euros.
Finally, Thursday, November 13, BoursoBank announced the total elimination of inheritance fees for all its clients. Until now, the online bank already applied free fees up to 25,000 euros for adult customers (and without limit for minors). From now on, the heirs will no longer have to pay any fees, “regardless of the amount of assets or the nature of the products held”specifies BoursoBank in a press release.
