{"id":9213,"date":"2023-11-07T13:35:36","date_gmt":"2023-11-07T12:35:36","guid":{"rendered":"https:\/\/www.swisnot.ch\/actualites\/je-peux-disposer-librement-de-tous-mes-biens-oui-mais-copy-copy-copy-copy-copy\/"},"modified":"2023-11-07T14:06:07","modified_gmt":"2023-11-07T13:06:07","slug":"deces-conjoint","status":"publish","type":"actualites","link":"https:\/\/www.swisnot.ch\/it\/actualites\/deces-conjoint\/","title":{"rendered":"D\u00e9c\u00e8s d\u2019un conjoint : et les comptes bancaires ?"},"content":{"rendered":"<div id='av_section_1'  class='avia-section av-di89ij-10cc6c5915885b9ae53d8d30a0bfd62a main_color avia-section-default avia-no-border-styling  avia-builder-el-0  el_before_av_section  avia-builder-el-first  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-9213'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l8udo1w5-cd5cac08865fd84975d3fbafa15b76bc\">\n#top .av-special-heading.av-l8udo1w5-cd5cac08865fd84975d3fbafa15b76bc{\npadding-bottom:10px;\nfont-size:36px;\n}\nbody .av-special-heading.av-l8udo1w5-cd5cac08865fd84975d3fbafa15b76bc .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-l8udo1w5-cd5cac08865fd84975d3fbafa15b76bc .av-special-heading-tag{\nfont-size:36px;\n}\n.av-special-heading.av-l8udo1w5-cd5cac08865fd84975d3fbafa15b76bc .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-l8udo1w5-cd5cac08865fd84975d3fbafa15b76bc .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-l8udo1w5-cd5cac08865fd84975d3fbafa15b76bc .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-l8udo1w5-cd5cac08865fd84975d3fbafa15b76bc av-special-heading-h1 blockquote modern-quote  avia-builder-el-1  el_before_av_two_third  avia-builder-el-first  av-inherit-size av-linked-heading'><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >D\u00e9c\u00e8s d\u2019un conjoint : et les comptes bancaires ?<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-d6l0x7-9c2c8319478b4a3a4b20bf9338ea70a3\">\n.flex_column.av-d6l0x7-9c2c8319478b4a3a4b20bf9338ea70a3{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-d6l0x7-9c2c8319478b4a3a4b20bf9338ea70a3 av_two_third  avia-builder-el-2  el_after_av_heading  el_before_av_one_fourth  first flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l8udo90m-7cf256dde00d19fded2a6c868eecd7a7\">\n#top .av-special-heading.av-l8udo90m-7cf256dde00d19fded2a6c868eecd7a7{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-l8udo90m-7cf256dde00d19fded2a6c868eecd7a7 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l8udo90m-7cf256dde00d19fded2a6c868eecd7a7 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l8udo90m-7cf256dde00d19fded2a6c868eecd7a7 av-special-heading-h2 blockquote modern-quote  avia-builder-el-3  el_before_av_textblock  avia-builder-el-first  av-linked-heading'><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Le d\u00e9c\u00e8s d\u2019un conjoint soul\u00e8ve plusieurs questions juridiques, dont la r\u00e9partition des actifs du couple. L\u2019un de ces actifs importants est le compte bancaire d\u00e9tenu conjointement par les \u00e9poux.<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-l8udpky8-d6359d37a7acedd87dc1a23eb4484dcd '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Les h\u00e9ritiers du titulaire d\u2019une relation de compte lui succ\u00e8dent de plein droit dans la relation contractuelle et ce, d\u00e8s le jour du d\u00e9c\u00e8s. Les contrats pass\u00e9s avec la banque et les cr\u00e9ances (ou dettes) qui en d\u00e9coulent, entrent dans la masse successorale dont les h\u00e9ritiers imm\u00e9diatement sont saisis. La banque voit donc, de fa\u00e7on imm\u00e9diate, de par la seule application de la loi et sans pouvoir aucunement s\u2019y opposer, son partenaire contractuel modifi\u00e9.<\/p>\n<p>Si la situation juridique est en th\u00e9orie claire et l\u2019effet instantan\u00e9, la position de la banque est en pratique souvent d\u00e9licate. En effet, entre le jour o\u00f9 elle est inform\u00e9e du d\u00e9c\u00e8s et celui o\u00f9 la communaut\u00e9 h\u00e9r\u00e9ditaire est identifi\u00e9e et s\u2019est l\u00e9gitim\u00e9e de fa\u00e7on satisfaisante pour la banque, il peut s\u2019\u00e9couler des mois, parfois des ann\u00e9es en cas de litige entre h\u00e9ritiers. Durant cette p\u00e9riode, la banque ne saura pas pr\u00e9cis\u00e9ment qui sont ses partenaires contractuels, qui est autoris\u00e9 \u00e0 lui donner des instructions, \u00e0 ratifier, voir simplement \u00e0 recevoir ses relev\u00e9s. Or, la loi n\u2019est en principe pas d\u2019un grand secours. Il appartient donc \u00e0 chaque \u00e9tablissement d\u2019\u00e9tablir des directives internes, afin de poser un cadre. Ce cadre pourra s\u2019inspirer des directives ASB (Avoirs sans nouvelles) qui donne des \u00e9l\u00e9ments de r\u00e9ponses \u00e0 certaines questions.<\/p>\n<p>On distingue les comptes individuels des comptes communs, lesquels se caract\u00e9risent par le fait que deux ou plusieurs personnes sont titulaires du compte bancaire. Lorsque chaque titulaire peut disposer tout seul du compte, on parle d\u2019un \u00ab compte joint \u00bb. En revanche, lorsque les titulaires ne peuvent en disposer qu\u2019en commun, il s\u2019agit d\u2019un compte dit \u00ab compte en indivision \u00bb.<\/p>\n<p><strong>Statut des h\u00e9ritiers<\/strong><\/p>\n<p>En mati\u00e8re de compte joint, une clause d\u2019exclusion des h\u00e9ritiers peut \u00eatre pr\u00e9vue. Une telle clause, a pour effet que la relation contractuelle du d\u00e9funt avec la banque s\u2019\u00e9teint avec sa mort, elle n\u2019entre donc pas dans les actifs successoraux et les h\u00e9ritiers du cotitulaire n\u2019en sont pas \u00ab saisis \u00bb. Le fait que les h\u00e9ritiers du cotitulaire ne succ\u00e8dent pas au d\u00e9funt dans la relation contractuelle avec la banque ne signifie pas que les avoirs en compte joint n\u2019appartiennent pas mat\u00e9riellement \u00e0 la masse successorale. Il appartiendra aux h\u00e9ritiers de l\u2019\u00e9tablir \u00e0 l\u2019encontre du cotitulaire survivant et d\u2019agir, cas \u00e9ch\u00e9ant, par la voie de l\u2019action en p\u00e9tition d\u2019h\u00e9r\u00e9dit\u00e9. Il arrive que lorsque les h\u00e9ritiers du titulaire d\u00e9funt font valoir leur droit sur les avoirs en compte, la banque leur sugg\u00e8re de requ\u00e9rir une mesure judiciaire de blocage du compte. Ceci \u00e9vite \u00e0 la banque de jouer les arbitres.<\/p>\n<p>A contrario, en l\u2019absence d\u2019une clause d\u2019exclusion des h\u00e9ritiers, la relation de compte joint perdure entre le cotitulaire survivant et la communaut\u00e9 h\u00e9r\u00e9ditaire du d\u00e9funt. Le mode de signature convenu avant le d\u00e9c\u00e8s n\u2019est pas modifi\u00e9 par celui-ci. Ainsi si le titulaire survivant avait un droit de signature individuelle, il pourra continuer \u00e0 en faire usage post\u00e9rieurement au d\u00e9c\u00e8s.<\/p>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-b8j5vv-533062e02170793ee44b07a243b9f158\">\n.flex_column.av-b8j5vv-533062e02170793ee44b07a243b9f158{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-b8j5vv-533062e02170793ee44b07a243b9f158 av_one_fourth  avia-builder-el-5  el_after_av_two_third  avia-builder-el-last  flex_column_div av-zero-column-padding  '     ><p><section  class='avia-team-member trs-notaire-author   avia-builder-el-6  el_before_av_heading  avia-builder-el-first '  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/Person\" ><div class='team-img-container'><a href=\"https:\/\/www.swisnot.ch\/it\/notaire\/piquerez-manuel\/\"><img decoding=\"async\" width=\"447\" height=\"678\" fetchpriority=\"high\" class='wp-image-9404 avia-img-lazy-loading-not-9404 avia_image avia_image_team' src=\"https:\/\/www.swisnot.ch\/wp\/wp-content\/uploads\/2024\/04\/Piquerez_Manuel.jpg\" alt='Piquerez Manuel'  itemprop=\"image\" srcset=\"https:\/\/www.swisnot.ch\/wp\/wp-content\/uploads\/2024\/04\/Piquerez_Manuel.jpg 447w, https:\/\/www.swisnot.ch\/wp\/wp-content\/uploads\/2024\/04\/Piquerez_Manuel-198x300.jpg 198w\" sizes=\"(max-width: 447px) 100vw, 447px\" \/><\/a><div class='team-social'><div class='team-social-inner'><span class='hidden av_member_url_markup '  itemprop=\"url\" >https:\/\/www.swisnot.ch\/it\/notaire\/piquerez-manuel\/<\/span><a rel='v:url' data-avia-tooltip=\"Page d\u00e9di\u00e9e\" target='_blank' class=' avia-team-icon ' href='https:\/\/www.swisnot.ch\/it\/notaire\/piquerez-manuel\/' aria-hidden='true' data-av_icon='\ue80a' data-av_iconfont='entypo-fontello'><\/a><\/div><\/div><\/div><h3 class='team-member-name'    itemprop=\"name\" >Piquerez Manuel<\/h3><div class='team-member-job-title '   itemprop=\"jobTitle\" >Notaire et avocat<\/div><span class='hidden team-member-affiliation'  itemprop=\"affiliation\" >swisNot - Le r\u00e9seau notarial suisse<\/span><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l8udmrxl-a56559dff1cd0b2118772688f3ae8922\">\n#top .av-special-heading.av-l8udmrxl-a56559dff1cd0b2118772688f3ae8922{\npadding-bottom:0;\ncolor:#98012e;\n}\nbody .av-special-heading.av-l8udmrxl-a56559dff1cd0b2118772688f3ae8922 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-l8udmrxl-a56559dff1cd0b2118772688f3ae8922 .special-heading-inner-border{\nborder-color:#98012e;\n}\n.av-special-heading.av-l8udmrxl-a56559dff1cd0b2118772688f3ae8922 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-l8udmrxl-a56559dff1cd0b2118772688f3ae8922 av-special-heading-h3 custom-color-heading blockquote modern-quote  avia-builder-el-7  el_after_trs_notaire_author  el_before_av_iconlist  av-linked-heading'><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >En quelques points <\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-l8udnq0d-e510c12a95d88edbcdb36a086bf58a9e\">\n#top .avia-icon-list-container.av-l8udnq0d-e510c12a95d88edbcdb36a086bf58a9e .iconlist_icon{\ncolor:#b02b2c;\nfont-size:16px;\n}\n#top .avia-icon-list-container.av-l8udnq0d-e510c12a95d88edbcdb36a086bf58a9e .iconlist_icon svg:first-child{\nstroke:#b02b2c;\nfill:#b02b2c;\nheight:16px;\nwidth:16px;\n}\n#top #wrap_all .avia-icon-list-container.av-l8udnq0d-e510c12a95d88edbcdb36a086bf58a9e .av_iconlist_title{\nfont-size:16px;\n}\n<\/style>\n<div  class='avia-icon-list-container av-l8udnq0d-e510c12a95d88edbcdb36a086bf58a9e  avia-builder-el-8  el_after_av_heading  el_before_av_button '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-small av-l8udnq0d-e510c12a95d88edbcdb36a086bf58a9e avia-iconlist-animate'>\n<li><div class='iconlist_icon av-l8udn5l3-d5294fd4e1c9e6f6d6617044573c8ebd avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue812' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icona: \"><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>La procuration permet au conjoint survivant d\u2019acc\u00e9der et de g\u00e9rer les comptes bancaires du d\u00e9funt s\u2019il a \u00e9t\u00e9 d\u00e9sign\u00e9 comme mandataire ;<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-l8udnbkw-945773d5a4d38118dbad93dd8be94324 avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue812' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icona: \"><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Le certificat d\u2019h\u00e9ritier est requis pour prouver la qualit\u00e9 d\u2019h\u00e9ritier du conjoint survivant et faciliter les op\u00e9rations successorales ;<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-l8udni4y-fadcb5bbc54f5afb0eb31d6652aa710d avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue812' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icona: \"><\/header><div class='iconlist_content '  itemprop=\"text\" ><p>Les banques jouent un r\u00f4le important en exigeant la pr\u00e9sentation de ces documents pour autoriser l\u2019acc\u00e8s aux comptes bancaires.<\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><br \/>\n<div  class='avia-button-wrap av-l8udmi3h-e8a7fda625a2075a5dc332316bcb2a1e-wrap avia-button-center  avia-builder-el-9  el_after_av_iconlist  el_before_av_heading  trs-pdf-button'><a href='https:\/\/www.swisnot.ch\/wp\/wp-content\/uploads\/2023\/11\/deces_conjoint.pdf'  class='avia-button av-l8udmi3h-e8a7fda625a2075a5dc332316bcb2a1e av-link-btn avia-icon_select-yes-left-icon avia-size-medium avia-position-center avia-color-theme-color'  target=\"_blank\"  rel=\"noopener noreferrer\"  aria-label=\" Article (PDF)\"><span class='avia_button_icon avia_button_icon_left avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue84d' data-av_iconfont='entypo-fontello' ><\/span><span class='avia_iconbox_title' > Article (PDF)<\/span><\/a><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-7ipciz-6635ba08fa9e2a634785869e65ab7aca\">\n#top .av-special-heading.av-7ipciz-6635ba08fa9e2a634785869e65ab7aca{\nmargin:10px 0 0 0;\npadding-bottom:10px;\n}\nbody .av-special-heading.av-7ipciz-6635ba08fa9e2a634785869e65ab7aca .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-7ipciz-6635ba08fa9e2a634785869e65ab7aca .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-7ipciz-6635ba08fa9e2a634785869e65ab7aca av-special-heading-h6 meta-heading blockquote modern-quote modern-centered  avia-builder-el-10  el_after_av_button  avia-builder-el-last '><h6 class='av-special-heading-tag '  itemprop=\"headline\"  >Publi\u00e9 dans le magazine g\u00e9n\u00e9rations par les notaires de swisNot<\/h6><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><\/p><\/div><\/div><\/div><\/main><!-- close content main element --><\/div><\/div><div id='av_section_2'  class='avia-section av-58squ3-cd92fc85286d1a40cd144dfe4436156c main_color avia-section-default avia-no-border-styling  avia-builder-el-11  el_after_av_section  avia-builder-el-last  avia-bg-style-scroll container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-9213'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-4376sr-859012419744a2d5d61453e047d7caaf\">\n#top .av-special-heading.av-4376sr-859012419744a2d5d61453e047d7caaf{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-4376sr-859012419744a2d5d61453e047d7caaf .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-4376sr-859012419744a2d5d61453e047d7caaf .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-4376sr-859012419744a2d5d61453e047d7caaf av-special-heading-h3 blockquote modern-quote  avia-builder-el-12  el_before_av_masonry_entries  avia-builder-el-no-sibling  trs-special-underline'><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >Plus d\u2019actualit\u00e9s swisNot <\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<div id='av-masonry-1' class='av-masonry av-38e08r-70a9e3adc805f7dcbcc561496bea70e6 noHover av-fixed-size av-large-gap av-hover-overlay-active av-masonry-animation-active av-masonry-col-flexible av-caption-always av-caption-style- av-masonry-entries ' data-post_id=\"9213\"><div class=\"av-masonry-container isotope av-js-disabled\"><div class='av-masonry-entry isotope-item av-masonry-item-no-image all_sort'><\/div><a href=\"https:\/\/www.swisnot.ch\/it\/actualites\/revision-du-droit-des-successions\/\"  id='av-masonry-1-item-7888' data-av-masonry-item='7888' class='av-masonry-entry isotope-item post-7888 actualites type-actualites status-publish hentry all_sort av-masonry-item-no-image' title=\"R\u00e9vision du droit des successions\"   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='av-inner-masonry-sizer'><\/div><figure class='av-inner-masonry main_color'><figcaption class='av-inner-masonry-content site-background'><div class='av-inner-masonry-content-pos'><div class='av-inner-masonry-content-pos-content'><div class='avia-arrow'><\/div><h3 class='av-masonry-entry-title entry-title '  itemprop=\"headline\" >R\u00e9vision du droit des successions<\/h3><\/div><\/div><\/figcaption><\/figure><\/a><!--end av-masonry entry--><a href=\"https:\/\/www.swisnot.ch\/it\/actualites\/le-casse-tete-de-la-succession-dans-les-familles-recomposees\/\"  id='av-masonry-1-item-9834' data-av-masonry-item='9834' class='av-masonry-entry isotope-item post-9834 actualites type-actualites status-publish hentry all_sort av-masonry-item-no-image' title=\"Le casse-t\u00eate de la succession dans les familles recompos\u00e9es\"   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='av-inner-masonry-sizer'><\/div><figure class='av-inner-masonry main_color'><figcaption class='av-inner-masonry-content site-background'><div class='av-inner-masonry-content-pos'><div class='av-inner-masonry-content-pos-content'><div class='avia-arrow'><\/div><h3 class='av-masonry-entry-title entry-title '  itemprop=\"headline\" >Le casse-t\u00eate de la succession dans les familles recompos\u00e9es<\/h3><\/div><\/div><\/figcaption><\/figure><\/a><!--end av-masonry entry--><a href=\"https:\/\/www.swisnot.ch\/it\/actualites\/la-procuration-ne-suffit-pas-toujours\/\"  id='av-masonry-1-item-9826' data-av-masonry-item='9826' class='av-masonry-entry isotope-item post-9826 actualites type-actualites status-publish hentry all_sort av-masonry-item-no-image' title=\"La procuration ne suffit pas toujours\"   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='av-inner-masonry-sizer'><\/div><figure class='av-inner-masonry main_color'><figcaption class='av-inner-masonry-content site-background'><div class='av-inner-masonry-content-pos'><div class='av-inner-masonry-content-pos-content'><div class='avia-arrow'><\/div><h3 class='av-masonry-entry-title entry-title '  itemprop=\"headline\" >La procuration ne suffit pas toujours<\/h3><\/div><\/div><\/figcaption><\/figure><\/a><!--end av-masonry entry--><a href=\"https:\/\/www.swisnot.ch\/it\/actualites\/donations-un-geste-a-double-tranchant\/\"  id='av-masonry-1-item-9821' data-av-masonry-item='9821' class='av-masonry-entry isotope-item post-9821 actualites type-actualites status-publish hentry all_sort av-masonry-item-no-image' title=\"Donations, un geste \u00e0 double tranchant\"   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='av-inner-masonry-sizer'><\/div><figure class='av-inner-masonry main_color'><figcaption class='av-inner-masonry-content site-background'><div class='av-inner-masonry-content-pos'><div class='av-inner-masonry-content-pos-content'><div class='avia-arrow'><\/div><h3 class='av-masonry-entry-title entry-title '  itemprop=\"headline\" >Donations, un geste \u00e0 double tranchant<\/h3><\/div><\/div><\/figcaption><\/figure><\/a><!--end av-masonry entry--><a href=\"https:\/\/www.swisnot.ch\/it\/actualites\/et-si-vous-netiez-plus-en-mesure-de-decider\/\"  id='av-masonry-1-item-9804' data-av-masonry-item='9804' class='av-masonry-entry isotope-item post-9804 actualites type-actualites status-publish hentry all_sort av-masonry-item-no-image' title=\"Et si vous n\u2019\u00e9tiez plus en mesure de d\u00e9cider ?\"   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='av-inner-masonry-sizer'><\/div><figure class='av-inner-masonry main_color'><figcaption class='av-inner-masonry-content site-background'><div class='av-inner-masonry-content-pos'><div class='av-inner-masonry-content-pos-content'><div class='avia-arrow'><\/div><h3 class='av-masonry-entry-title entry-title '  itemprop=\"headline\" >Et si vous n\u2019\u00e9tiez plus en mesure de d\u00e9cider ?<\/h3><\/div><\/div><\/figcaption><\/figure><\/a><!--end av-masonry entry--><a href=\"https:\/\/www.swisnot.ch\/it\/actualites\/preter-de-largent-a-ses-enfants\/\"  id='av-masonry-1-item-9777' data-av-masonry-item='9777' class='av-masonry-entry isotope-item post-9777 actualites type-actualites status-publish hentry all_sort av-masonry-item-no-image' title=\"Pr\u00eater de l\u2019argent \u00e0 ses enfants ?\"   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='av-inner-masonry-sizer'><\/div><figure class='av-inner-masonry main_color'><figcaption class='av-inner-masonry-content site-background'><div class='av-inner-masonry-content-pos'><div class='av-inner-masonry-content-pos-content'><div class='avia-arrow'><\/div><h3 class='av-masonry-entry-title entry-title '  itemprop=\"headline\" >Pr\u00eater de l\u2019argent \u00e0 ses enfants ?<\/h3><\/div><\/div><\/figcaption><\/figure><\/a><!--end av-masonry entry--><\/div><a class='av-masonry-pagination av-masonry-load-more' href='#load-more'  data-post_type='actualites'  data-link='category, 15'  data-term_rel='IN'  data-wc_prod_visible=''  data-wc_prod_hidden='hide'  data-wc_prod_featured=''  data-wc_prod_sale=''  data-prod_order_by=''  data-prod_order=''  data-date_filter=''  data-date_filter_start=''  data-date_filter_end=''  data-date_filter_format='yy\/mm\/dd'  data-period_filter_unit_1=''  data-period_filter_unit_2=''  data-page_element_filter=''  data-sort='yes'  data-query_orderby='date'  data-query_order='DESC'  data-caption_elements='title'  data-caption_styling=''  data-caption_display='always'  data-img_copyright=''  data-size='fixed masonry'  data-orientation=''  data-image_size='masonry'  data-gap='large'  data-columns='flexible'  data-av-desktop-columns=''  data-av-medium-columns=''  data-av-small-columns=''  data-av-mini-columns=''  data-items='6'  data-paginate='load_more'  data-color=''  data-custom_bg=''  data-img_copyright_font=''  data-av-desktop-font-img_copyright_font=''  data-av-medium-font-img_copyright_font=''  data-av-small-font-img_copyright_font=''  data-av-mini-font-img_copyright_font=''  data-img_copyright_color=''  data-img_copyright_bg=''  data-animation='active'  data-animation_duration=''  data-animation_custom_bg_color=''  data-animation_custom_bg_color_multi_list=''  data-animation_z_index_curtain='100'  data-overlay_fx='active'  data-img_scrset=''  data-lazy_loading='disabled'  data-av-desktop-hide=''  data-av-medium-hide=''  data-av-small-hide=''  data-av-mini-hide=''  data-alb_description=''  data-id=''  data-custom_class=''  data-template_class=''  data-av_uid='av-38e08r'  data-sc_version='1.0'  data-ids=''  data-action=''  data-offset='0'  data-container_links='active'  data-link_dest=''  data-lightbox_text=''  data-container_class='av-masonry-entries'  data-auto_ratio='1.7'  data-set_breadcrumb='1'  data-custom_markup=''  data-taxonomy='category'  data-categories=''  data-avno='e7ee1db653'>Carica di pi\u00f9<\/a><\/div>\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le d\u00e9c\u00e8s d\u2019un conjoint soul\u00e8ve plusieurs questions juridiques, dont la r\u00e9partition des actifs du couple. L\u2019un de ces actifs importants est le compte bancaire d\u00e9tenu conjointement par les \u00e9poux.<\/p>\n","protected":false},"menu_order":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[15],"class_list":["post-9213","actualites","type-actualites","status-publish","hentry","category-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>D\u00e9c\u00e8s d\u2019un conjoint : et les comptes bancaires ? - swisNot - Le r\u00e9seau notarial suisse<\/title>\n<meta name=\"description\" content=\"swisNot, le r\u00e9seau notarial suisse, votre partenaire en mati\u00e8re juridique et fiscale\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.swisnot.ch\/it\/actualites\/deces-conjoint\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D\u00e9c\u00e8s d\u2019un conjoint : et les comptes bancaires ? 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