Перевод этой страницы на Ваш язык отсутствует, поэтому Вам предлагается английский вариант. Выше Вы можете выбрать перевод этой страницы на один из других языков
What happens with my Swiss bank account if I die? If you die, your account will belong to your heirs. But there are some measures you can take to ensure a quick and efficient distribution. The problem is that your Swiss banker will not know it unless you are a
celebrity and your death is featured on CNN. All he will see is that you no
longer call. After some time, he will wonder what happened to you and try to
reach you. If he cannot join you, he will be faced with a problem. Either look
actively for your, with a risk of compromising the secrecy of your account, or
wait for your contact, with the risk that you might be dead and your heirs would
not know about this account. This dilemna is not satisfactory. The bank has a legal obligation to search for your
wherabouts after a maximum of 10 years, after which the account is
considered dormant . If they cannot find what happened
to you, or if they learned that you died but cannot find your heirs, they will
report the account to the Swiss banking ombudsman. It is important to understand that for a quick and easy transfer of your
Swiss bank account to your heirs, the latter must know about the account and
where it is held by the time of your death. There is no inheritance tax in Switzerland for non residents. Your heirs are responsible for declaring the
holdings to their country's tax authorities. You can take some measures to make sure your heirs will
get their inheritance quickly: - If you change adress or phone,
let your banker know where he can reach you.
- Give your banker the details of another person (e.g.
your sister) that your banker can contact to ask about you in case he does not
hear from you for a specified period of time. Some banks have special forms to
that order, other ask for a power of attorney to be signed in favor
of the other person. An alternative to the power of attorney is to open a
joint account, but you need complete confidence in the account partner since
he will have full access to your account before and after your death.
- Let one of your heirs (e.g.
your oldest son) know about the account and where it is held
- You can also prepare an enveloppe to be opened only
in case of your death that would ask one heir to get in touch with your banker
so that the money can be distributed to your heirs.
| Другие страницы, представляющие интерес | |
| 
