October 4, 2022

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Current account, this is who has to pay the stamp duty

Every year, all account holders see that a certain amount of money, apparently without a “source”, is deducted from their checking accounts. Sometimes the bank is contacted to understand the reason for this payment, but the answer is soon said: it is a stamp duty, which is mandatory for all taxpayers and varies based on the amount deposited.

What is a stamp drawing?

This is a state tax.An indirect tax that is not related to the contribution capacity of individuals and is securitized because it refers to a written document‘, as the portal tells us consumer. Italians are required to pay it each year at the time of the account statement or statement. If there is no report during the current calendar year, the tax will be applied on December 31 of each year. The payment relates to all taxpayers and account holders whose average balance is three months and exceeds 5 thousand euros. Above this number, the taxpayer will have to pay 34.20 €100 for natural persons and €100 if you are dealing with a company and therefore not a natural person.

What happens to people who have multiple accounts

On the other hand, those who have more than one checking account will have to pay stamp duty Everyone of the accounts he owns. “We remind you that tax is charged to your account automatically either at the end of the year or when an account statement or statement is issued “, Expert explanation. Compared to what has been written so far, the result is that all people with less than 5 thousand euros will be exempted from paying the stamp duty. The average balance will be calculated according to the daily balances added together; The result obtained will be divided by reporting days or in any case by those from which the calculation was obtained.

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Who won’t have to pay

Not all those who have a contract with a credit institution that decides to do so will be required to pay the stamp duty Pregnancy state tax. Because of this, there are differences between a bank and a bank, based on some promotions at the moment. “Those who have a basic checking account, i.e. an account aimed at those with limited financial needs, do not have to pay tax”, explained the experts. Finally, even those who have an ISEE of less than 8 thousand euros and who receive a pension of not more than 18 thousand euros per year will not have to pay anything. Even people who have a checking account with the payment institution or Emilwhich is a banking institution that can only engage in the activity of issuing electronic money, as well as those who have their accounts marked in red.