Stamp duty is an invisible tax that affects deposits in checking accounts and the size of which is often unknown. It is a sort of asset that the State withdraws from bank accounts every year and which can vary depending on whether it refers to natural or legal persons. In fact, stamp duty on current accounts is equivalent to 34,20 euro for the first and others 100 euro if referred to the second type of subject.
However, it is a tax that closely resembles a forced withdrawal regardless of the amount of deposits or the number of transactions made. No amount deposited is excluded, therefore the tax affects equally not only current accounts but also savings accounts, bank and post office. However, there are some cases that exclude it. The first is undoubtedly related to the value declared in the ISEE which, if less than 7,500 euros, does not allow the state to collect stamp duty.
How to escape stamp duty: here are 3 possible solutions.
The first condition that exempts stamp duty is the average annual stock. Keeping it always below the threshold of 5 thousand euros per year effectively prevents its withdrawal. To know the average annual stock of your account, you need to add up the daily balances and then divide them by the reporting days. The result tells us if we are above or below the limit for the application stamp duty.
Another possibility that exempts you from paying the fee is to own a basic account, that is, a low-operating account. It is a type of deposit that only provides for the payment of the annual fee and which can be made payable to those who have a current Isee under 11,600 euros. Finally, bubble tax is excluded for those legal entities that have accounts opened with i consortia, or rather at small and medium-sized non-profit companies that collaborate to allow easier access to credit.
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