{"id":482,"date":"2021-01-24T00:00:00","date_gmt":"2021-01-23T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/entreprise\/2017\/05\/24\/les-obligations-de-la-banque-en-cas-de-soupcon\/"},"modified":"2026-09-15T15:14:44","modified_gmt":"2026-09-15T13:14:44","slug":"les-obligations-de-la-banque-en-cas-de-soupcon","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/entreprise\/les-obligations-de-la-banque-en-cas-de-soupcon\/","title":{"rendered":"Les obligations de la banque en cas de soup\u00e7on"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>La d\u00e9claration de soup\u00e7on est une obligation l\u00e9gale qui incombe aux banques mais \u00e9galement aux soci\u00e9t\u00e9s financi\u00e8res, aux assureurs, aux notaires, etc.<br>Le fait de participer ou de faciliter une op\u00e9ration de blanchiment ou de financement de terrorisme est passible de sanctions p\u00e9nales et disciplinaires.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L'intervention de la banque dans vos op\u00e9rations<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si la banque a des soup\u00e7ons sur vos op\u00e9rations, elle peut intervenir de diff\u00e9rentes mani\u00e8res :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elle peut retarder une op\u00e9ration afin de : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>l'analyser, lorsque les dispositions contractuelles et r\u00e9glementaires le permettent,<\/li><li>recevoir les informations n\u00e9cessaires permettant de s'assurer que celle-ci ne viole pas une mesure d'<strong>embargo<\/strong> ou de <strong>gel des avoirs<\/strong>.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La r\u00e9glementation pr\u00e9voit que les virements de fonds doivent comporter les informations permettant d'identifier le donneur d'ordre. En leur absence, la banque peut attendre de recevoir les informations n\u00e9cessaires avant de cr\u00e9diter le compte de son client b\u00e9n\u00e9ficiaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elle peut refuser d'ex\u00e9cuter une op\u00e9ration notamment lorsqu'une d\u00e9cision de justice ou une r\u00e9quisition judiciaire s'y oppose, ou lorsque l'op\u00e9ration implique une personne faisant l'objet d'une mesure de gel des avoirs, ou lorsque l'op\u00e9ration contrevient \u00e0 un embargo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elle peut bloquer les fonds des personnes figurant sur une liste officielle et publique de personnes dont les avoirs ont \u00e9t\u00e9 d\u00e9clar\u00e9s gel\u00e9s. Cela signifie que leurs comptes sont bloqu\u00e9s et qu'ils ne peuvent faire aucune op\u00e9ration ni en recevoir aucune.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A noter<\/strong> : Les op\u00e9rations telles que les souscriptions de bons de caisse ou de titres de capitalisation ou des achats ou ventes d'or peuvent \u00eatre r\u00e9alis\u00e9es en esp\u00e8ces. La banque a l'obligation d'identifier le client qui proc\u00e8de \u00e0 de telles op\u00e9rations et de conserver ces informations. Ces renseignements ne sont pas recueillis dans le but de les transmettre \u00e0 l'administration fiscale.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>La d\u00e9claration de soup\u00e7on<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les banques doivent d\u00e9clarer \u00e0 un organisme sp\u00e9cialis\u00e9, Tracfin (Traitement du Renseignement et action contre les Circuits FINanciers clandestins) toute op\u00e9ration dans laquelle un client tente de dissimuler l'origine frauduleuse des fonds et\/ou susceptible de constituer une op\u00e9ration de blanchiment de capitaux ou de financement du terrorisme. La d\u00e9claration de soup\u00e7on est un simple constat factuel qui n'entra\u00eene pas de jugement de la part de la banque.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tracfin (Traitement du Renseignement et action contre les Circuits FINanciers clandestins) est la cellule fran\u00e7aise de lutte anti-blanchiment. Elle d\u00e9pend du ministre de l'\u00c9conomie, de l'Industrie et de l'Emploi et de celui du Budget, des Comptes publics et de la Fonction publique.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette cellule centralise au niveau national toutes les d\u00e9clarations faites par les personnes assujetties en France (pas seulement les banques). Elle les analyse, \u00e9ventuellement les recoupe, et d\u00e9cide, s'il existe une pr\u00e9somption de blanchiment ou de financement du terrorisme suffisante pour transmettre le dossier au procureur de la R\u00e9publique. Cette transmission pourra, s'il y a lieu, d\u00e9boucher sur une enqu\u00eate, un jugement, et le cas \u00e9ch\u00e9ant une condamnation en justice des personnes impliqu\u00e9es dans l'op\u00e9ration.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'obligation de d\u00e9claration de soup\u00e7on est tr\u00e8s r\u00e9glement\u00e9e (Art. L 561-15 Code mon\u00e9taire et financier) et le soup\u00e7on doit \u00eatre d\u00e9clar\u00e9 seulement pour certaines infractions. La d\u00e9claration doit \u00eatre faite de bonne foi, c'est-\u00e0-dire que le soup\u00e7on doit \u00eatre \u00e9tay\u00e9 et document\u00e9.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A noter<\/strong> : Les banques ont interdiction de faire \u00e9tat de l'existence et du contenu de la d\u00e9claration, y compris aux personnes cit\u00e9es dans cette d\u00e9claration.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seul Tracfin est habilit\u00e9 \u00e0 en faire \u00e9tat, y compris \u00e0 l'autorit\u00e9 judiciaire (par exemple \u00e0 la police) et au fisc. Par d\u00e9rogation, les banques peuvent s'\u00e9changer des informations, \u00e0 certaines conditions visant \u00e0 concilier le respect du secret professionnel, de la vie priv\u00e9e et des droits fondamentaux du client, quand ces \u00e9changes sont n\u00e9cessaires pour lutter contre le blanchiment et le financement du terrorisme.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Le contenu de la d\u00e9claration de soup\u00e7on<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La d\u00e9claration comprend notamment :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>l'identit\u00e9 des personnes concern\u00e9es,<\/li><li>l'identification des op\u00e9rations suspectes,<\/li><li>l'origine et la destination des fonds,<\/li><li>la justification des op\u00e9rations,<\/li><li>l'expos\u00e9 du soup\u00e7on qui doit \u00eatre justifi\u00e9 et document\u00e9.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trois cat\u00e9gories d'op\u00e9rations et de sommes sont d\u00e9clar\u00e9es \u00e0 Tracfin :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Les op\u00e9rations et sommes que les banques soup\u00e7onnent de participer au financement du terrorisme, ou de provenir de toute infraction punie d'une peine de plus d'un an d'emprisonnement, notamment la fraude fiscale (certains types de fraude pr\u00e9cis\u00e9s par d\u00e9cret).<\/li><li>Les op\u00e9rations particuli\u00e8rement complexes, ou d'un montant inhabituellement \u00e9lev\u00e9, ou ne paraissant pas avoir de justification \u00e9conomique, ou d'objet l\u00e9gal pour lesquelles la banque n'a pu \u00e9tablir l'identit\u00e9 du b\u00e9n\u00e9ficiaire ni obtenir les informations suffisantes concernant l'origine et la destination des fonds, le motif \u00e9conomique de l'op\u00e9ration et sa l\u00e9galit\u00e9.<\/li><li>Toute op\u00e9ration pour laquelle l'identit\u00e9 du b\u00e9n\u00e9ficiaire r\u00e9el n'a pu \u00eatre \u00e9tablie : les banques sont particuli\u00e8rement vigilantes avec les produits et op\u00e9rations favorisant l'anonymat.<\/li><\/ul>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A noter <\/strong>: les banques doivent syst\u00e9matiquement signaler \u00e0 Tracfin tout <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/depot-especes\/\" target=\"_blank\" rel=\"noreferrer noopener\">d\u00e9p\u00f4t ou retrait d'esp\u00e8ce<\/a> sup\u00e9rieure \u00e0 10 000 euros par mois.<\/p>\n\n\n\n<div style=\"height:67px\" 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                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                      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href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/la-lutte-contre-le-blanchiment-des-capitaux-et-le-financement-du-terrorisme-au-sein-des-banques\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/lutte-contre-blanchiment-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/lutte-contre-blanchiment-_BD-921x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/lutte-contre-blanchiment-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/lutte-contre-blanchiment-_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\">Vos informations personnelles<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">La lutte contre le blanchiment des capitaux et le financement du terrorisme au sein des banques<\/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 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L'intervention de la banque dans vos op\u00e9rations Si la banque a [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":1886,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":4,"views":65594,"viewed_at":"1778489487","newsletter":"0","_yoast_wpseo_primary_category":166,"footnotes":""},"categories":[104,132,166],"tags":[],"class_list":["post-482","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-au-quotidien","category-le-compte-professionnel","category-vos-informations-personnelles"],"yoast_head":"<title>Les obligations de la banque en cas de soup\u00e7on - Vos informations personnelles - Les cl\u00e9s de la banque - Entreprise<\/title>\n<meta name=\"description\" content=\"La d\u00e9claration de soup\u00e7on est une obligation l\u00e9gale qui incombe aux banques mais \u00e9galement aux soci\u00e9t\u00e9s financi\u00e8res, aux assureurs, aux notaires, etc.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/les-obligations-de-la-banque-en-cas-de-soupcon\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les obligations de la banque en cas de soup\u00e7on - 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