One of the main nightmares of account holders is that of having to deal with a forced withdrawal on their savings. A situation that frightens many, but which can be avoided. That’s how.
The money it does not guarantee happiness but it helps, without a doubt, to solve a lot of problematic situations quickly and easily. From food to bills, on the other hand, there are really various occasions in which we have to put our wallet in order to be able to pay for the various goods and services. Facing the various expenses, however, is becoming increasingly difficult. Due to the impact of Covid on the economy, in fact, more and more families they find themselves having to deal with a severe financial crisis.
Hence the decision of save your money, so that you have a few euros to draw from in case of need. More and more money, therefore, is left on the Bank account, thus often being eroded by some forced withdrawals. Let’s not talk about the much feared patrimonial, but ofstamp duty which is withdrawn from our account every year. A voice that certainly does not go unnoticed, but that can be avoided. So let’s go into the details and see how to do it.
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Current account, forced withdrawal nightmare: the trick to avoid paying stamp duty
Among the taxes we pay on the current account, the best known is undoubtedly the stamp duty. The latter, we remind you, must be paid by all those who have an average annual stock exceeding 5 thousand euros. As for the amount, however, it is equal to 34.20 euros per year for individuals and 100 euros for legal entities. Given these premises, therefore, it is easy to understand that, to avoid it, all you have to do is have an average stock of less than 5,000 euros.
In this regard, it should be noted that the term average stock does not refer to the single current account, but to all accounts and passbooks that a person has at the same bank. In fact, if you have multiple accounts with a value of 3 thousand euros each at the same institution, thus going to exceed 5 thousand euros, the bank will apply the stamp duty. In addition to not exceeding 5 thousand euros, there is another method, less known, which allows you to avoid having to deal with this form of forced withdrawal.
In practice, it is a question of submitting one to the reference institution request for exemption from the levy for stamp duty. This can be done through a self-certification, only if theIsee of the applicant is less than 7,500 euros. This request must be submitted by May 31 of each year, thus managing to avoid having to pay this tax.
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