Your project to open a Livret A For your children this summer has just taken a stroke of old. From July, unprecedented regulations will impose an obligatory passage in the notary in specific situations. A bomb for parents who were counting on the legendary simplicity of this savings product. How will it work? Who is concerned? We tell you everything, without detour.
The booklet A Faced with family complexity: who is concerned?
Livret A now rhymes with reinforced formalities. If childcare rights are shared or disputed, goodbye the express online approach. Same scenario for payments exceeding certain thresholds – the exact amounts remain vague, but we speak of “significant” sums. Don’t panic, we decrypt.
Take recomposed families. A father wants to open a Livret A For her child, but the mother opposes it? The notary becomes the referee. Objective: to avoid diversion or posterior conflicts. Security, yes, but at what price? Some will see an administrative heaviness, of a weapon against abuse.
Shock testimonies: When the administration gives cold sweats
“I planned everything for June … And there, it’s the shock!” Marie, a single mother of Lyon, thought of opening a Livret A For her daughter in two clicks. From now on, she will have to pay € 200 not -in -law – and lose three weeks. “It’s absurd! We are talking about € 500 savings, not an inheritance! »»
His case is not isolated. Parental forums rustle with concern. “What if the notary refuses?”, “Who pays the costs in the event of alternate guard?”. The answers are missing, the anxieties go up. Banks remain elusive: “Consult a professional”. Thank you, but …
Booklet A and notaries: the winning duo or the guaranteed galley?
Notaries, new guards of Livret A ? Not quite, but their role explodes. They will have to check the parental agreements, authenticate the signatures, or even estimate the “legitimacy” of the payments. A hell of a work!
Problem: not all are trained. “We are asked to be social workers and financial experts,” sighs Maître Legrand, notary in Marseille. Result ? Deadlines that lie down, prices that vary from simple to double. In Strasbourg, a firm invoices 150 € per authorization; In Paris, count 300 €. Transparency? A vow pile.
-Savings of minors: reinforced protection or obstacle course?
The government defends an implacable logic: it is better to prevent than cure. In 2022, 12 % of family disputes concerned open savings accounts without mutual consent. THE Livret Aoften perceived as harmless, becomes a legal battlefield.
But by dint of securing, do we suffocate access to savings? For modest families, notarial costs will weigh heavily. Imagine: spare 50 € per month, but have to invest 250 € in procedures. An economic nonsense? Maybe. A reality from July? Certainly.
Livret A: Anticipate the traps before July
Livret A Rhyme now with strategy. Here’s how to avoid pitfalls:
- Check your family situation. Exclusive guard? No worries. Shared or conflicting? Prepare your checkbook.
- Compare the notaries. The prices are not supervised – negotiate!
- Act quickly. The meetings are already accumulating.
A mother from Toulouse found the parade: “I opened the account avant July. Too late for you? Damage… “
Ready to face the new booklet A?
This reform is a bit like a savings driving license. It protects, but it complicates. Between legal certainty and administrative galleys, the Livret A perd son innocence.
Parents have no choice: adapt or give up. But one question remains: will these constraints discourage the savings of minors? Response in a year. In the meantime, take patience … and your credit card.
Source : https://franchementbien.fr/argent/38544-cest-confirme-ouvrir-un-livret-a-pour-ses-enfants-necessitera-une-autorisation-notariale-dans-certains-cas-des-juillet/
