A la hora de cobrar una herencia, los herederos se enfrentan con una abrumadora cantidad de, en ocasiones, fastidiosos trámites.

Uno de esos trámites, luego de los iniciales de búsqueda del certificado de defunción, últimas voluntades o testamento, es el de tratar con los Bancos si el difunto o causante tenía productos bancarios contratados (cuentas corrientes, depósitos a plazo fijo, acciones, fondos de inversión, etc).

Es conveniente, antes de iniciar los trámites para la aceptación de la herencia, que se indague si existen este tipo de bienes, pues en ocasiones los herederos se centran en los bienes inmuebles olvidándose de los productos bancarios. Lo que conlleva que se tengan que realizar trámites complementarios de los ya realizados.

Normalmente las entidades bancarias exigen que se haya tramitado el Impuesto de Sucesiones y Donaciones y se haya otorgado la Escritura de Aceptación de la Herencia, incluso se ha dado la circunstancia de que la escritura de aceptación de la herencia cueste más de lo que el causante tenía depositado en el Banco, según nuestra experiencia en ese caso la entidad bancaria facilita la operación bastando la firma de todos los herederos, en lugar de la escritura de aceptación de la herencia, para poder disponer del dinero del causante.

Ante el inconveniente de no existir un procedimiento legal que regule cómo los Bancos deben entregar los fondos del fallecido a los herederos, algunas entidades bancarias ofrecen a los herederos la apertura de una cuenta para la entrega del dinero.

Esta práctica es contraria a lo determinado por el Banco de España en sus Circulares, que vienen a señalar que una buena práctica bancaria es la de ofrecer un medio de entrega gratuito a los herederos, que en modo alguno han de convertirse en clientes de ese banco para recibir su herencia, si no lo desean.

Pues en muchos casos no es la voluntad del/los heredero/s el vincularse con esa concreta entidad bancaria, a lo que no se le puede obligar, pues la apertura de una cuenta ha de ser consensuada, en modo alguno impuesta por una de las partes.

El Banco de España tiene su Servicio de Reclamaciones para estas circunstancias, luego de pasar por el Servicio de Atención al Cliente de la propia entidad bancaria.


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