{"id":515,"date":"2026-01-05T00:00:00","date_gmt":"2026-01-04T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2015\/05\/15\/qui-contacter-en-cas-de-deces-dun-proche\/"},"modified":"2026-01-08T17:10:39","modified_gmt":"2026-01-08T15:10:39","slug":"qui-contacter-en-cas-de-deces-dun-proche","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/qui-contacter-en-cas-de-deces-dun-proche\/","title":{"rendered":"Qui contacter en cas de d\u00e9c\u00e8s d'un proche ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Perdre un proche est une \u00e9preuve douloureuse et bouleversante. Cependant, d\u00e8s la connaissance du d\u00e9c\u00e8s, un certain nombre de formalit\u00e9s doivent \u00eatre accomplies. Conservez des copies de l'acte de d\u00e9c\u00e8s, elles vous seront demand\u00e9es.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1\u00e8res d\u00e9marches en cas de d\u00e9c\u00e8s d'un proche (24\/48h)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame si c\u2019est un moment \u00e9prouvant, certaines formalit\u00e9s sont urgentes : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>D\u00e9clarer le d\u00e9c\u00e8s \u00e0 la mairie pour obtenir l\u2019acte de d\u00e9c\u00e8s. Si la personne est d\u00e9c\u00e9d\u00e9e \u00e0 l\u2019h\u00f4pital ou en Ehpad, l\u2019\u00e9tablissement concern\u00e9 s\u2019en occupe. <\/li><li>Informer votre employeur pour obtenir un cong\u00e9 ou une autorisation d\u2019absence.<\/li><li>V\u00e9rifier les derni\u00e8res volont\u00e9s : testament, contrat obs\u00e8ques\u2026 et organiser les fun\u00e9railles.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Organismes et personnes \u00e0 pr\u00e9venir<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Une fois le d\u00e9c\u00e8s d\u00e9clar\u00e9, il faut informer plusieurs  organismes pour \u00e9viter des frais et des complications administratives.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e9venez rapidement la banque du d\u00e9funt : tous ses  avoirs (argent, comptes, livrets, investissements, contenu du coffre-fort\u2026) font partie de sa succession. Certaines  d\u00e9penses comme les frais d\u2019obs\u00e8ques peuvent \u00eatre r\u00e9gl\u00e9es sur le compte du d\u00e9funt. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Informez ensuite :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>le <strong>notaire du d\u00e9funt<\/strong> : son intervention est obligatoire si des immeubles sont concern\u00e9s, s\u2019il y a un testament, des donations ou si la succession d\u00e9passe 5 965 \u20ac (au 1er janvier 2026 \u2013 montant r\u00e9visable selon l\u2019inflation) ; <\/li><li><strong>les caisses de retraite, l\u2019employeur ou France Travail <\/strong>selon la situation ; <\/li><li>la compagnie d\u2019<strong>assurance<\/strong> en cas de contrat assurance vie, obs\u00e8ques, d\u00e9c\u00e8s\u2026 Le notaire peut aider \u00e0 avertir les b\u00e9n\u00e9ficiaires ;<\/li><li>la <strong>S\u00e9curit\u00e9 sociale<\/strong>, notamment pour r\u00e9cup\u00e9rer le capital d\u00e9c\u00e8s \u00e9ventuel du r\u00e9gime g\u00e9n\u00e9ral ;<\/li><li>les <strong>cr\u00e9anciers et d\u00e9biteurs<\/strong> : \u00e9tablissement de cr\u00e9dit, assureur, propri\u00e9taire, locataire\u2026 le d\u00e9c\u00e8s entra\u00eene, selon les cas, la r\u00e9siliation ou le changement de b\u00e9n\u00e9ficiaire des abonnements ou des contrats ;<\/li><li>le <strong>Tr\u00e9sor Public<\/strong> : la d\u00e9claration de succession doit lui parvenir dans les 6 mois suivant le d\u00e9c\u00e8s.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">Si le d\u00e9funt \u00e9tait votre conjoint, vous pourrez s'il y a lieu faire valoir vos droits \u00e0 la pension de <strong>r\u00e9version<\/strong> (r\u00e9gime de base ou compl\u00e9mentaire) ou le droit \u00e0 l'allocation veuvage, mais \u00e9galement vos droits au capital d\u00e9c\u00e8s de la S\u00e9curit\u00e9 sociale et aux prestations de la CAF.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pratique : utiliser notre outil d\u00e9di\u00e9 pour anticiper les d\u00e9marches en cas de d\u00e9c\u00e8s. <\/p>\n\n\n\n<div class=\"wp-block-file\"><a href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/12\/LISTE-CONTACTS-PREPA-DECES.xlsx\" class=\"wp-block-file__button\" download>T\u00e9l\u00e9charger<\/a><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><br>Comment payer les frais d'obs\u00e8ques ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il appartient aux proches d'organiser les fun\u00e9railles. Conjoint, parents, enfants majeurs, fr\u00e8res et s\u0153urs, etc., vous pouvez payer les obs\u00e8ques sur pr\u00e9sentation de la facture en demandant le <strong>d\u00e9bit sur le compte<\/strong> bancaire du d\u00e9funt. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>compte cr\u00e9diteur<\/strong> du d\u00e9funt peut ainsi servir \u00e0 payer tout ou partie des frais fun\u00e9raires (et aussi d'autres dettes : frais de derni\u00e8re maladie, imp\u00f4ts loyers encore dus...) dans la limite d'un certain montant. \u00c0 compter du 1<sup>er<\/sup>&nbsp;janvier&nbsp;2026, ce montant maximal est fix\u00e9 \u00e0&nbsp;<strong>5&nbsp;965&nbsp;\u20ac<\/strong>&nbsp;en application d'un arr\u00eat\u00e9 de d\u00e9cembre&nbsp;2025 (r\u00e9visable chaque ann\u00e9e).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Exemple <\/em><\/strong>: si le compte du d\u00e9funt pr\u00e9sente un solde cr\u00e9diteur de 4 000 \u20ac, les h\u00e9ritiers peuvent demander le r\u00e8glement direct des frais d\u2019obs\u00e8ques sur ce compte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez aussi demander :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>le paiement par la Caisse nationale d\u2019assurance vieillesse (<strong>CNAV<\/strong>) si la derni\u00e8re pension de retraite due n\u2019avait pas encore \u00e9t\u00e9 pay\u00e9e, avec un plafond de 2 286,74 \u20ac ;<\/li><li>via le <strong>contrat obs\u00e8ques<\/strong>, si le d\u00e9funt en avait souscrit un : c\u2019est l\u2019organisme qui se charge alors de r\u00e9gler directement les frais d\u2019obs\u00e8ques. Vous ne retrouvez<br>pas de contrat obs\u00e8ques ? Faites une recherche via le site www.formulaireobseques.agira.asso.fr ou \u00e9crivez \u00e0 : AGIRA Recherche des contrats obs\u00e8ques TSA 20179 75441 Paris cedex 09 ;<\/li><li>le remboursement \u00e0 l\u2019<strong>assureur<\/strong> en cas de d\u00e9c\u00e8s accidentel (selon le contrat et les circonstances) ou \u00e0 la CPAM ou MSA en cas d\u2019accident du travail.<\/li><\/ul>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">Vous pouvez d\u00e9duire de votre revenu imposable  les frais d\u2019obs\u00e8ques d\u2019un parent dans la limite de 1 500 \u20ac, \u00e0 condition qu\u2019ils n\u2019aient pas d\u00e9j\u00e0 \u00e9t\u00e9 pay\u00e9s par la succession.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">O\u00f9 trouver de l'aide et des informations sur les d\u00e9marches en cas de d\u00e9c\u00e8s ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Notaire et banquier sont les principaux professionnels qui peuvent vous guider. Vous pouvez aussi :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>contacter une association d\u2019aide administrative (ex. : France Services) ; <\/li><li>utiliser le guichet unique mis en place sur <a href=\"https:\/\/www.service-public.gouv.fr\/particuliers\/vosdroits\/F16507\" target=\"_blank\" rel=\"noreferrer noopener\">service-public.fr<\/a>. En r\u00e9pondant \u00e0 une s\u00e9rie de questions, vous obtenez la liste compl\u00e8te des d\u00e9marches propres \u00e0 votre situation et celle du d\u00e9funt ;<\/li><li>retrouver les principales d\u00e9marches et d\u00e9lais sur <a href=\"http:\/\/www.mesdroitssociaux.gouv.fr\" target=\"_blank\" rel=\"noreferrer noopener\">www.mesdroitssociaux.gouv.fr <\/a><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Qui contacter en cas de d\u00e9c\u00e8s d'un proche ?\" : <\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006069577&amp;dateTexte=20120827\">L\u00e9gifrance - Frais fun\u00e9raires \u00e0 l'art. 775 CGI<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000053228219\" target=\"_blank\">L\u00e9gifrance - arr\u00eat\u00e9 du 3 d\u00e9cembre 2025 relatif au r\u00e8glement des frais fun\u00e9raires<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.gouv.fr\/particuliers\/vosdroits\/F16507\" target=\"_blank\">D\u00e9marches en cas de d\u00e9c\u00e8<\/a><a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.gouv.fr\/particuliers\/vosdroits\/F16507\" target=\"_blank\">s<\/a><a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.gouv.fr\/particuliers\/vosdroits\/F16507\" target=\"_blank\"> selon votre situation sur service-public.fr<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.economie.gouv.fr\/cedef\/aides-financieres-frais-obseques#:~:text=Pour%20le%20d%C3%A9c%C3%A8s%20d'un%20retrait%C3%A9%2C%20la%20personne%20qui%20paye,arri%C3%A9r%C3%A9%20de%20pension%20de%20retraite).\" target=\"_blank\">Economie.gouv.fr : Comment b\u00e9n\u00e9ficier d\u2019une aide pour payer des frais d\u2019obs\u00e8ques ?<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h4 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" data-wp-interactive=\"fbf\/carousel\" 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              <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Difficult\u00e9s<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Les d\u00e9marches apr\u00e8s le d\u00e9c\u00e8s d&#039;un proche<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Face au d\u00e9c\u00e8s d&#039;un proche, savoir par o\u00f9 commencer les d\u00e9marches administratives peut \u00eatre un d\u00e9fi suppl\u00e9mentaire. Nous avons con\u00e7u ce guide comme un soutien concret dans (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:10854,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/frais-succession-bancaires\/&quot;,&quot;title&quot;:&quot;Les frais bancaires li\u00e9s \u00e0 une succession : la r\u00e9glementation \u00e0 conna\u00eetre&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/08\/frais-succession-150x150.jpg&quot;,&quot;likes&quot;:12}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg 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href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/frais-succession-bancaires\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/08\/frais-succession-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/08\/frais-succession-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/08\/frais-succession-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/08\/frais-succession.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Le d\u00e9c\u00e8s<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Les frais bancaires li\u00e9s \u00e0 une succession : la r\u00e9glementation \u00e0 conna\u00eetre<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:487,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/informer-du-deces-les-etablissements-teneurs-de-compte-ou-de-placements\/&quot;,&quot;title&quot;:&quot;Informer du d\u00e9c\u00e8s les \u00e9tablissements, teneurs de compte ou de 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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/deces-csq-sur-compte-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/deces-csq-sur-compte-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/deces-csq-sur-compte-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/deces-csq-sur-compte-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Le d\u00e9c\u00e8s<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">D\u00e9c\u00e8s : les cons\u00e9quences sur le compte bancaire<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Perdre un proche est une \u00e9preuve douloureuse et bouleversante. Cependant, d\u00e8s la connaissance du d\u00e9c\u00e8s, un certain nombre de formalit\u00e9s doivent \u00eatre accomplies. Conservez des copies de l'acte de d\u00e9c\u00e8s, elles vous seront demand\u00e9es. 1\u00e8res d\u00e9marches en cas de d\u00e9c\u00e8s d'un proche (24\/48h) M\u00eame si c\u2019est un moment \u00e9prouvant, certaines formalit\u00e9s sont urgentes : D\u00e9clarer [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":6423,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":9,"views":6517,"viewed_at":"1778482377","newsletter":"0","_yoast_wpseo_primary_category":160,"footnotes":""},"categories":[278,160,35,270],"tags":[],"class_list":["post-515","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jai-des-difficultes","category-le-deces","category-les-accidents-de-la-vie","category-mes-moments-de-vie"],"yoast_head":"<title>Qui contacter en cas de d\u00e9c\u00e8s d&#039;un proche ? - Le d\u00e9c\u00e8s - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"D\u00e8s que vous avez connaissance du d\u00e9c\u00e8s, un certain nombre de formalit\u00e9s doivent \u00eatre accomplies. 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