{"id":175,"date":"2021-07-10T00:00:00","date_gmt":"2021-07-09T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2020\/02\/10\/changer-de-banque-bien-gerer-la-transition\/"},"modified":"2025-07-31T09:54:44","modified_gmt":"2025-07-31T07:54:44","slug":"changer-de-banque-bien-gerer-la-transition","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/changer-de-banque-bien-gerer-la-transition\/","title":{"rendered":"Changer de banque : bien g\u00e9rer la transition"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Changer de banque, c'est simple avec le service d'aide \u00e0 la mobilit\u00e9 bancaire. Suivez n\u00e9anmoins avec attention la prise en compte de vos nouvelles coordonn\u00e9es bancaires par chacun de vos \u00e9metteurs.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Choisir le service d'aide \u00e0 la mobilit\u00e9 bancaire<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avec ce service d'aide \u00e0 la mobilit\u00e9 bancaire, qui peut prendre diff\u00e9rents noms selon les \u00e9tablissements, il vous suffit simplement de signer un mandat de mobilit\u00e9 aupr\u00e8s de votre nouvelle banque, et de lui transmettre votre ancien RIB.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La banque pr\u00e9vient de votre changement de domiciliation bancaire tous les organismes pour lesquels vous \u00eates concern\u00e9 (employeur, CAF, fournisseurs d'\u00e9nergie, d'internet, etc.)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vos nouvelles coordonn\u00e9es bancaires sont ainsi transmises de fa\u00e7on automatique et s\u00e9curis\u00e9e, aux \u00e9metteurs de virements et pr\u00e9l\u00e8vements r\u00e9currents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La banque vous remet la liste des \u00e9metteurs contact\u00e9s. Ceux-ci doivent vous informer de la bonne prise en compte de vos nouvelles coordonn\u00e9es bancaires et surtout de la date \u00e0 partir de laquelle les op\u00e9rations passeront sur votre nouveau compte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Votre nouvelle banque peut \u00e9galement, si vous le lui indiquez, se charger de cl\u00f4turer votre compte aupr\u00e8s de votre ancienne banque.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quelles pr\u00e9cautions quand on change de banque ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vous devez v\u00e9rifier, pour chaque \u00e9metteur, la date \u00e0 partir de laquelle les op\u00e9rations passeront sur votre nouveau compte et surtout l'ordre dans lequel l'ensemble des op\u00e9rations se passeront. Ainsi, si les pr\u00e9l\u00e8vements passent bien sur le nouveau compte, il vous faut v\u00e9rifier que votre salaire y sera vers\u00e9 \u00e9galement \u00e0 temps car les dates ne co\u00efncideront pas forc\u00e9ment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour \u00e9viter les incidents, il est donc avis\u00e9 de :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>vous assurer de la date \u00e0 laquelle votre salaire sera vers\u00e9 sur le nouveau compte,<\/li><li>estimer la provision \u00e0 maintenir sur chaque compte (ancien, nouveau) en fonction des diff\u00e9rentes dates de prise en compte,<\/li><li>si besoin, faire un virement.<\/li><\/ul>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>Attention <\/strong>: Si vous n'avez pas re\u00e7u d'information dans les 22 jours ouvr\u00e9s suivant la signature de votre mandat de mobilit\u00e9, n'h\u00e9sitez pas \u00e0 contacter l'\u00e9metteur concern\u00e9 et particuli\u00e8rement votre employeur. Pensez \u00e0 restituer vos anciens moyens de paiement (carte, ch\u00e8que) pour \u00e9viter toute confusion et donc tout incident sur l'ancien compte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment souscrire le service d'aide \u00e0 la mobilit\u00e9 bancaire ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A l'ouverture du compte dans la nouvelle banque, celle-ci vous proposera son service d'aide \u00e0 la mobilit\u00e9 bancaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez demander \u00e0 votre \u00e9tablissement financier une brochure d'information sur le service d'aide \u00e0 la mobilit\u00e9 bancaire qui est gratuit et sans condition.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous souhaitez changer de banque et effectuer les d\u00e9marches par vous-m\u00eame, c'est toujours possible ! Vous n'avez aucune obligation d'utiliser ce service. Dans ce cas, vous contacterez un \u00e0 un les organismes, soci\u00e9t\u00e9s et personnes avec qui vous avez des op\u00e9rations de paiement.<\/p>\n\n\n\n<div style=\"height:63px\" 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                                                            <\/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 xlink:href=\"#wave\" 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decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/11\/installation-etranger.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\">D\u00e9m\u00e9nager<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Vivre \u00e0 l&#039;\u00e9tranger : que devient mon compte bancaire en France ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div 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