{"id":152,"date":"2023-03-09T00:00:00","date_gmt":"2023-03-08T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2020\/04\/09\/comment-le-fonds-de-garantie-intervient-il\/"},"modified":"2023-03-23T11:17:08","modified_gmt":"2023-03-23T09:17:08","slug":"comment-le-fonds-de-garantie-intervient-il","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/comment-le-fonds-de-garantie-intervient-il\/","title":{"rendered":"Comment le Fonds de garantie intervient-il ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\"><strong>Le Fonds de Garantie des D\u00e9p\u00f4ts et de R\u00e9solution fran\u00e7ais (FGDR) est destin\u00e9 \u00e0 indemniser les clients dans le cas d'une faillite de banque.<\/strong> Les particuliers et les entreprises non financi\u00e8res b\u00e9n\u00e9ficient, sauf exception, de la garantie des esp\u00e8ces, des titres et des cautions. L'indemnisation est toutefois plafonn\u00e9e.<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Quand le Fonds de Garantie intervient-il ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous n'avez <strong>pas d'initiative<\/strong> \u00e0 prendre ni de d\u00e9marche. En effet, toute la proc\u00e9dure est g\u00e9r\u00e9e par le <strong>Fonds de Garantie<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>Fonds <\/strong>intervient ainsi \u00e0 la demande de l'Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution (<strong>ACPR<\/strong>) lorsque celle-ci constate que l'\u00e9tablissement n'est plus en mesure :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>de restituer \u00e0 ses clients leurs <strong><a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/la-garantie-des-depots-especes\/\" target=\"_blank\" rel=\"noreferrer noopener\">d\u00e9p\u00f4ts <\/a><\/strong>et leurs<a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/la-garantie-des-depots-titres-et-cautions\/\" target=\"_blank\" rel=\"noreferrer noopener\"> <strong>instruments financiers<\/strong><\/a>,<\/li><li>ou d'honorer les engagements de <strong><a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/la-garantie-des-depots-titres-et-cautions\/\" target=\"_blank\" rel=\"noreferrer noopener\">caution <\/a><\/strong>qu'il a souscrits \u00e0 leur b\u00e9n\u00e9fice.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La banque est ferm\u00e9e, vous n'avez alors plus acc\u00e8s \u00e0 vos comptes.<br>Ce constat marque le d\u00e9but de la <strong>proc\u00e9dure d'indemnisation <\/strong>et du d\u00e9lai de 7 jours. C'est \u00e0 cette date que les <strong>arr\u00eat\u00e9s de compte<\/strong> sont calcul\u00e9s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><br>Comment le Fonds de Garantie proc\u00e8de-t-il \u00e0 l'indemnisation ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>FGDR <\/strong>ouvre ensuite un \"<strong>Espace S\u00e9curis\u00e9 d'Indemnisation<\/strong> \" sur son site internet <a href=\"https:\/\/www.garantiedesdepots.fr\/fr\" target=\"_blank\" rel=\"noreferrer noopener\">www.garantiedesdepots.fr<\/a> pour mettre l'indemnisation \u00e0 disposition de chaque client.<br>Une fois connect\u00e9, vous pourrez alors choisir d'\u00eatre indemnis\u00e9 par virement bancaire ou ch\u00e8que.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apr\u00e8s v\u00e9rification de votre situation avec les \u00e9l\u00e9ments fournis par la banque, le <strong>Fonds de Garantie<\/strong> vous informe par un <strong>courrier d'indemnisation<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>du montant et de la nature des <strong>d\u00e9p\u00f4ts et des titres couverts<\/strong> par la garantie,<\/li><li>de ceux qui ne le sont pas,<\/li><li>du montant et du <strong>paiement de l'indemnisation<\/strong>.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Vous avez deux mois pour \u00e9ventuellement adresser au <strong>FGDR <\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>une <strong>demande d'indemnisation<\/strong> compl\u00e9mentaire au titre des \" D\u00e9p\u00f4ts Exceptionnels Temporaires \" (ex : produit d'une vente immobili\u00e8re),<\/li><li>pour contester son indemnisation, avec les justificatifs n\u00e9cessaires.<\/li><\/ul>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A noter<\/strong> :  Assurez-vous de disposer d'un compte ouvert dans un autre \u00e9tablissement bancaire pour y transf\u00e9rer vos op\u00e9rations courantes et encaisser votre indemnisation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">O\u00f9 s'informer ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour toute question, vous pouvez contacter votre banque.<br>Vous pouvez \u00e9galement contacter le <strong>FGDR <\/strong>par t\u00e9l\u00e9phone ou courrier<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>65, rue de la Victoire 75009 Paris - France<\/li><li>T\u00e9l. : +33 (0)1 58 18 38 08<\/li><li>par le formulaire contact du site <a href=\"https:\/\/www.garantiedesdepots.fr\/fr\/contact\" target=\"_blank\" rel=\"noreferrer noopener\">garantiedesdepots.fr<\/a>.<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Comment le Fonds de garantie intervient-il ?\" : <\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.garantiedesdepots.fr\/fr\/verifier-la-protection-de-mon-etablissement\" target=\"_blank\" rel=\"noreferrer noopener\">Le site du Fonds de Garantie des D\u00e9p\u00f4ts - Les \u00e9tablissements couverts<\/a><\/li><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006072026\">Pour les d\u00e9p\u00f4ts : Legifrance Art. L312-4 \u00e0 L132-18 C. mon. et fin.<\/a><\/li><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006072026\">Pour les titres : Legifrance Art. L322-1 \u00e0 L322-10 C. mon. et fin.<\/a><\/li><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006072026\">Pour les cautions bancaires indemnis\u00e9es Legifrance Art D 313-26 C. mon. et fin.<\/a><\/li><\/ul>\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                                                            <\/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 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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/garantie-depot-titres-_BD-695x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/garantie-depot-titres-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/garantie-depot-titres-_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\">La garantie des d\u00e9p\u00f4ts<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">La garantie des d\u00e9p\u00f4ts : titres et cautions<\/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>Le Fonds de Garantie des D\u00e9p\u00f4ts et de R\u00e9solution fran\u00e7ais (FGDR) est destin\u00e9 \u00e0 indemniser les clients dans le cas d'une faillite de banque. Les particuliers et les entreprises non financi\u00e8res b\u00e9n\u00e9ficient, sauf exception, de la garantie des esp\u00e8ces, des titres et des cautions. L'indemnisation est toutefois plafonn\u00e9e. Quand le Fonds de Garantie intervient-il ? [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":3,"views":9014,"viewed_at":"1778489567","newsletter":"0","_yoast_wpseo_primary_category":80,"footnotes":""},"categories":[24,80,129],"tags":[],"class_list":["post-152","post","type-post","status-publish","format-standard","hentry","category-garantie-et-securite","category-la-garantie-des-depots","category-mon-compte"],"yoast_head":"<title>Comment le Fonds de garantie intervient-il ? - La garantie des d\u00e9p\u00f4ts - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Le Fonds de Garantie des D\u00e9p\u00f4ts et de R\u00e9solution fran\u00e7ais (FGDR) est destin\u00e9 \u00e0 indemniser les clients dans le cas d&#039;une faillite de banque.\" \/>\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\/particulier\/comment-le-fonds-de-garantie-intervient-il\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment le Fonds de garantie intervient-il ? 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