{"id":101,"date":"2026-06-28T09:00:00","date_gmt":"2026-06-28T07:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2020\/08\/07\/loffre-specifique-en-cas-de-situation-de-fragilite-financiere\/"},"modified":"2026-11-05T16:27:30","modified_gmt":"2026-11-05T15:27:30","slug":"offre-specifique-fragilite-financiere","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/offre-specifique-fragilite-financiere\/","title":{"rendered":"L'offre sp\u00e9cifique en cas de situation de fragilit\u00e9 financi\u00e8re"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">L'offre sp\u00e9cifique est une gamme de services adapt\u00e9s, propos\u00e9e par les banques pour les personnes en situation de fragilit\u00e9 financi\u00e8re. Elle facilite la bonne gestion du compte tout en limitant les frais d'incidents. Propos\u00e9e \u00e0 un tarif mod\u00e9r\u00e9, l'objectif pour la banque est que le client sorte au plus vite de cette situation inconfortable. Son contenu est pr\u00e9cis\u00e9ment d\u00e9fini par d\u00e9cret.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"youtube-container\" data-wp-interactive=\"cdb\/video-consent\" data-wp-context=\"{&quot;loaded&quot;:false}\" data-wp-init=\"callbacks.init\">\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe data-src=\"https:\/\/www.youtube.com\/embed\/K57CtULfmiQ?feature=oembed\" data-wp-watch=\"callbacks.syncIframe\" loading=\"lazy\" title=\"L&amp;apos;offre sp\u00e9cifique pour ma\u00eetriser son compte en cas d&amp;apos;incidents bancaires\" width=\"500\" height=\"281\"  frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<div class=\"video-consent-overlay\" data-wp-watch=\"callbacks.syncOverlay\"><div class=\"video-consent-overlay-text\">Vous devez accepter les cookies de YouTube pour visionner cette vid\u00e9o<\/div><button type=\"button\" class=\"video-consent-overlay-accept-button\" data-wp-on--click=\"actions.accept\">J&#039;accepte - Lancer la vid\u00e9o<\/button><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/11\/Transcription-video-offre-specifique.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Transcription<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L'offre sp\u00e9cifique : pour qui ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les banques appr\u00e9cient la situation de <strong>fragilit\u00e9 financi\u00e8re<\/strong> \u00e0 partir de <strong>crit\u00e8res r\u00e9glementaires<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>inscription depuis plus de 3 mois cons\u00e9cutifs au Fichier central des ch\u00e8ques (FCC) pour ch\u00e8que impay\u00e9 ou d\u00e9claration de retrait de carte bancaire ;<\/li><li>ou<strong> <\/strong>d\u00e9p\u00f4t d\u2019un dossier de surendettement, d\u00e9clar\u00e9 recevable par la commission de surendettement (FICP).<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les banques tiennent<strong> <\/strong>compte <strong>aussi <\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>de l'existence d\u2019irr\u00e9gularit\u00e9s de fonctionnement du compte ou d\u2019incidents de paiement r\u00e9p\u00e9t\u00e9s sur une p\u00e9riode de 3 mois cons\u00e9cutifs, et en particulier lorsque leur nombre atteint ou d\u00e9passe 5 au cours d\u2019un m\u00eame mois ;<\/li><li>et du montant des ressources port\u00e9es au cr\u00e9dit du compte.<\/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\">A noter : \u00e0 partir de 5 incidents ou irr\u00e9gularit\u00e9s au cours d'un m\u00eame mois, le client est consid\u00e9r\u00e9 comme fragile financi\u00e8rement pendant au moins 3 mois.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque banque peut avoir fix\u00e9 d'autres <strong>crit\u00e8res suppl\u00e9mentaires<\/strong> pour d\u00e9tecter au plus t\u00f4t la fragilit\u00e9 financi\u00e8re : \u00e9l\u00e9ments dont elle a connaissance et qu'elle estime de nature \u00e0 occasionner des incidents de paiement, notamment les d\u00e9penses qui apparaissent sur le compte...<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment souscrire cette offre ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous \u00eates d\u00e9tect\u00e9 comme client fragile financi\u00e8rement, vous \u00eates \u00e9ligible \u00e0 l'<strong><a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/maitriser-son-compte-en-cas-dincidents-loffre-specifique\/\" target=\"_blank\">offre sp\u00e9cifique<\/a><\/strong>. La banque vous la propose syst\u00e9matiquement par \u00e9crit, sur support papier ou d\u00e9mat\u00e9rialis\u00e9 selon le mode de communication convenu. C'est vous qui choisissez de la souscrire ou non. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elle est adapt\u00e9e aux situations de fragilit\u00e9 financi\u00e8re car elle permet de <strong>limiter les incidents<\/strong>. Et, si vous souscrivez l'offre sp\u00e9cifique, vous b\u00e9n\u00e9ficierez d'<strong>un meilleur plafonnement des frais d'incidents<\/strong> (<em>cf plus bas<\/em>).<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\">Fin 2025, 1,2 million de personnes b\u00e9n\u00e9ficient de l'offre sp\u00e9cifique, soit + 5% sur un an et + + 389% par rapport \u00e0 2018 (<em>source <\/em>: <em><a href=\"https:\/\/www.banque-france.fr\/fr\/publications-et-statistiques\/publications\/rapport-de-lobservatoire-de-linclusion-bancaire-2025\" target=\"_blank\" rel=\"noreferrer noopener\">rapport annuel de l\u2019Observatoire de l\u2019inclusion bancaire 2025<\/a> - publication juin 2026<\/em>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quels services avec l'offre sp\u00e9cifique ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L'<strong>offre sp\u00e9cifique<\/strong> est souvent gratuite ou factur\u00e9e 1\u20ac\/ mois par les banques (soit en de\u00e7\u00e0 du plafond r\u00e9glementaire de 3\u20ac) .Elle comprend au moins :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>la tenue de compte, la fermeture et, le cas \u00e9ch\u00e9ant, l'ouverture du compte de d\u00e9p\u00f4t ;<\/li><li>une carte de paiement \u00e0 autorisation syst\u00e9matique (chaque op\u00e9ration devra \u00eatre autoris\u00e9e par la banque) ; <\/li><li>le d\u00e9p\u00f4t et le retrait d'esp\u00e8ces dans l'agence bancaire qui d\u00e9tient le compte ;<\/li><li>4 virements mensuels SEPA, dont au moins 1 virement permanent, ainsi que des pr\u00e9l\u00e8vements SEPA en nombre illimit\u00e9 ;<\/li><li>2 ch\u00e8ques de banque par mois ;<\/li><li>un moyen de consulter son compte \u00e0 distance et la possibilit\u00e9 d'effectuer \u00e0 distance des op\u00e9rations de gestion vers un autre compte du titulaire au sein de la m\u00eame banque ;<\/li><li>des alertes sur la situation du compte ;<\/li><li>des relev\u00e9s d'identit\u00e9 bancaire (RIB) ;<\/li><li>le plafonnement sp\u00e9cifique des commissions d'intervention pr\u00e9vu par d\u00e9cret ;<\/li><li>1 changement d'adresse par an.<\/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\">La d\u00e9livrance d'un ch\u00e9quier ne fait pas partie de l'offre sp\u00e9cifique.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qu'en est-il pour les frais d'incidents ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En cas de fragilit\u00e9 financi\u00e8re identifi\u00e9e par la banque, celle-ci applique un <strong>plafonnement global<\/strong> des frais d\u2019incidents de paiement et d\u2019irr\u00e9gularit\u00e9s de fonctionnement du compte (liste des frais concern\u00e9s ci-apr\u00e8s). Ainsi :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>avec l\u2019offre sp\u00e9cifique<\/strong>, les frais seront plafonn\u00e9s \u00e0 <strong>20 \u20ac par mois et 200 \u20ac par an<\/strong>. Conform\u00e9ment au droit de la concurrence, chaque banque peut choisir de mettre en place un plafonnement inf\u00e9rieur ou \u00e9gal \u00e0 ces montants (voir les conditions tarifaires de votre banque).<\/li><li><strong>sans l\u2019offre sp\u00e9cifique<\/strong>, les frais seront plafonn\u00e9s automatiquement \u00e0<strong> 25 \u20ac par mois<\/strong>. Selon le cas, ce plafonnement peut \u00eatre valable 3 mois minimum.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>Le plafonnement des frais est donc plus int\u00e9ressant en cas de souscription de l'offre<\/strong> <strong>sp\u00e9cifique<\/strong>. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quels sont les frais b\u00e9n\u00e9ficiant du plafonnement global ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Tous les frais d\u2019incidents bancaires<\/strong> sont concern\u00e9s par le plafonnement global :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Commissions d\u2019intervention (plafonn\u00e9es r\u00e9glementairement \u00e0 4 \u20ac par op\u00e9ration et 20 \u20ac par mois pour les clients ayant souscrit l\u2019offre sp\u00e9cifique) ;<\/li><li>Frais de lettre d\u2019information pr\u00e9alable pour ch\u00e8que sans provision ;<\/li><li>Frais de lettre d\u2019information pour compte d\u00e9biteur non autoris\u00e9 ;<\/li><li>Forfait de frais par ch\u00e8que rejet\u00e9 pour d\u00e9faut de provision ;<\/li><li>Frais de rejet de pr\u00e9l\u00e8vement pour d\u00e9faut de provision ;<\/li><li>Frais de non-ex\u00e9cution de virement permanent pour d\u00e9faut de provision ;<\/li><li>Frais suite \u00e0 une notification signal\u00e9e par la Banque de France d\u2019une interdiction d\u2019\u00e9mettre des ch\u00e8ques ;<\/li><li>Frais pour d\u00e9claration \u00e0 la Banque de France d\u2019une d\u00e9cision de retrait de carte bancaire ;<\/li><li>Frais d\u2019opposition (blocage) de la carte par la banque.<\/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\">Tout frais d\u2019incident ou d\u2019irr\u00e9gularit\u00e9 r\u00e9cemment int\u00e9gr\u00e9 au document tarifaire de la banque sera aussi concern\u00e9 par ce plafonnement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;L\u2019ensemble des frais annuels li\u00e9s au compte a diminu\u00e9 de 23 % entre 2019 et 2025, passant de 255 \u00e0 197 euros. Les frais d\u2019incidents bancaires ont recul\u00e9 de 29,6 % entre 2019 et 2025, de 151 \u00e0 106 euros (<em>source : <a rel=\"noreferrer noopener\" href=\"https:\/\/www.banque-france.fr\/fr\/publications-et-statistiques\/publications\/rapport-de-lobservatoire-de-linclusion-bancaire-2025\" target=\"_blank\">rapport annuel de l'Observatoire de l'inclusion bancaire 2025<\/a><\/em> - publication juin 2026).<\/p>\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 \"L'offre sp\u00e9cifique en cas de situation de fragilit\u00e9 financi\u00e8re\":<\/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=LEGITEXT000006072026\">Legifrance - L'offre sp\u00e9cifique \u00e0 l'art R 312-4-3 C. mon. et fin.<\/a><\/li><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006072026\">Legifrance - Plafonnement des commissions d'intervention \u00e0 l'art L312-1-3 C. mon. et fin.<\/a><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\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 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data-title=\"Ma\u00eetriser son compte en cas d&#039;incidents : l&#039;offre sp\u00e9cifique\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/maitriser-compte-incidents-offre-specifique\/\">\n                Ma\u00eetriser son compte en cas d&#039;incidents : l&#039;offre sp\u00e9cifique            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Pour les personnes en situation de fragilit\u00e9 financi\u00e8re, il existe une offre sp\u00e9cifique. Elle facilite la bonne gestion du compte gr\u00e2ce \u00e0 des produits et services bancaires...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication publication--extract\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:578,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-fraudes-aux-operations-bancaires\/&quot;,&quot;title&quot;:&quot;Fraudes aux op\u00e9rations bancaires : comprendre, \u00e9viter, r\u00e9agir&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:86}\"\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 class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"578\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-fraudes-aux-operations-bancaires\/\"\n         data-title=\"Fraudes aux op\u00e9rations bancaires : comprendre, \u00e9viter, r\u00e9agir\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">2 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Fraudes aux op\u00e9rations bancaires : comprendre, \u00e9viter, r\u00e9agir\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-fraudes-aux-operations-bancaires\/\">\n                Fraudes aux op\u00e9rations bancaires : comprendre, \u00e9viter, r\u00e9agir            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Les services bancaires \u00e0 distance et les moyens de paiement num\u00e9riques font partie du quotidien. Consulter ses comptes, effectuer un virement ou r\u00e9gler un achat en ligne...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication\" style=\"background-color: #f9ae41\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:4021,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/infographie-frais-incidents-bancaires\/&quot;,&quot;title&quot;:&quot;Quel plafond pour mes frais d\\u0027incidents bancaires ?&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/infographie-frais-150x150.jpg&quot;,&quot;likes&quot;:18}\"\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 class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"4021\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/infographie-frais-incidents-bancaires\/\"\n         data-title=\"Quel plafond pour mes frais d&#039;incidents bancaires ?\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">&lt; 1 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Infographies<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Quel plafond pour mes frais d&#039;incidents bancaires ?\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/infographie-frais-incidents-bancaires\/\">\n                Quel plafond pour mes frais d&#039;incidents bancaires ?            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Voir l&#039;infographie Pour les personnes en situation de fragilit\u00e9 financi\u00e8re, un plafonnement des frais bancaires est pr\u00e9vu. En r\u00e9pondant \u00e0 quelques questions simples, vous...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>L'offre sp\u00e9cifique est une gamme de services adapt\u00e9s, propos\u00e9e par les banques pour les personnes en situation de fragilit\u00e9 financi\u00e8re. Elle facilite la bonne gestion du compte tout en limitant les frais d'incidents. Propos\u00e9e \u00e0 un tarif mod\u00e9r\u00e9, l'objectif pour la banque est que le client sorte au plus vite de cette situation inconfortable. Son [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":4114,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":26,"views":27447,"viewed_at":"1778494448","newsletter":"0","_yoast_wpseo_primary_category":211,"footnotes":""},"categories":[278,18,211,270,129,17],"tags":[],"class_list":["post-101","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jai-des-difficultes","category-le-contrat-bancaire","category-les-difficultes-de-gestion","category-mes-moments-de-vie","category-mon-compte","category-ouvrir-un-compte"],"yoast_head":"<title>L&#039;offre sp\u00e9cifique en cas de situation de fragilit\u00e9 financi\u00e8re - Les difficult\u00e9s de gestion - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"L&#039;offre sp\u00e9cifique est propos\u00e9e par les banques en cas de situation de fragilit\u00e9 financi\u00e8re. 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