Give money to friends and relatives it is an increasingly widespread practice, because it is practical and fast from many points of view. The wire transfer it is the means preferred by most, because it allows you to carry out a secure, rapid and even remote transaction. Not to mention that all the superfluous steps that the use of cash would require are eliminated.
Sending a bank transfer is extremely simple, both when you contact the door and through the applications of home banking. Simply indicate the amount and recipient to send a gift to a friend or relative for a special occasion or to contribute to a purchase. All very simple, you just need to adopt a few more precautions when writing the text causal.
The reason is used to indicate the reason for the money transferthus being relevant both in the relationships between the parties and towards any third party creditors or for the Tax. Writing an ambiguous or incorrect reason certainly does not automatically lead to consequences, which still depend on honesty and respect for the law, but it still involves various problems: civil appeals, freezing of accounts by the tax authorities and so on. So let’s see how to do it and what mistakes to avoid.
Bank transfer for a gift, the mistake not to make
The writing of reason for a bank transfer for a gift it should be clear, precise and concise. We should avoid adding unnecessary or superfluous information, because given the limited space it would be difficult to explain ourselves adequately, generating unpleasant misunderstandings.
And it is precisely this tendency that gives rise to one of the most serious errors in this field: writing in the causal thanksvarious phrases of gratitude or gratitude. It may seem absurd and unmotivated, this is probably precisely the reason why this rule is often disregarded, but reasons of this type should be avoided.
This is because they could make the tax authorities suspicious, alluding to possible black payments per work performance receipts. Obviously, in case of suspicions, the necessary checks follow, which also take into account the size of the amount and the frequency of the transactions, so those who have acted correctly have nothing to fear. At the same time, however, we should avoid making this mistake to avoid the inconveniences due to checks and, last but not least, hindering the verification work.
Without a doubt there is an even more serious error, namely that of do not write the reason at all, which is mandatory. As a rule, however, the operators at the counter or the app systems do not allow the transfer to be sent if the reason field is left blank.
What to write in the bank transfer reason
There are no hard and fast rules on the reasons for bank transfers, but to give a gift to friends and relatives the basic formula should contain the following elements:
- Reason of the transfer: donation/gift or interest-free loan, also fundamental for the tax regime;
- purpose of the gift or loan: event or purchase for which it is intended. For example, “graduation gift” or “donation for the purchase of a scooter”;
- Relationship of relationshipespecially useful if the recipient has a joint account;
- name of the recipient.
Inserting these indications clearly allows you to avoid unjustified hassles, not only for the tax aspect but also for any opposition from creditors or heirs in the event of succession.
Pay attention to the value of the transfer
Giving money to friends or relatives is not at all forbidden, in fact this is a donation, a method of transferring goods permitted and regulated by law. According to the Civil Code, however, the donations that exceed the modest value they require a public deed and therefore a notary, unless they are indirect.
You must therefore evaluate the amount of the gift taking into account your financial resources and possibly contact the notary or pay directly for the good to be given, thus avoiding possible disputes.
2024-02-10 19:46:00
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