{"id":246,"date":"2025-11-27T00:00:00","date_gmt":"2025-11-26T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2019\/10\/08\/les-etrennes-usages-et-arnaques-a-connaitre\/"},"modified":"2025-12-03T11:43:18","modified_gmt":"2025-12-03T09:43:18","slug":"etrennes-usages-et-arnaques","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/etrennes-usages-et-arnaques\/","title":{"rendered":"Les \u00e9trennes de No\u00ebl ou fin d'ann\u00e9e : usages et arnaques \u00e0 conna\u00eetre"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Gardien, facteur, pompier, femme de m\u00e9nage, nounou... faut-il donner des \u00e9trennes et combien ? La question se pose chaque ann\u00e9e et 2025 ne fait pas exception.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelle est la tradition des \u00e9trennes ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La\u00a0tradition des \u00e9trennes n'est ni obligation ni une r\u00e8gle. Elle perdure, souvent en fin ou d\u00e9but d'ann\u00e9e et est l'occasion de t\u00e9moigner de la reconnaissance \u00e0 ceux qui facilitent notre quotidien. Elle existe d'ailleurs dans de nombreux pays :\u00a0<strong>boxing day <\/strong>dans les pays anglophones, \u00e9changes de <strong>cadeaux <\/strong>en Chine et au Japon...<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On peut ainsi offrir un cadeau ou de l'argent \u00e0 son <strong>facteur<\/strong>, sa <strong>nounou<\/strong>, sa <strong>femme de m\u00e9nage<\/strong>, son <strong>aide \u00e0 domicile<\/strong> et bien s\u00fbr son <strong>concierge<\/strong>, etc. De plus en plus souvent, ce sont les <strong>pompiers<\/strong>, les <strong>\u00e9boueurs<\/strong>... qui sonnent \u00e0 la porte pour nous proposer leur <strong>calendrier <\/strong>de nouvelle ann\u00e9e, contre une petite somme d'argent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais attention : donner un peu \u00e0 tous, revient \u00e0 donner beaucoup. Votre <strong>budget <\/strong>doit donc vous guider car vous devez pouvoir assumer vos <strong>charges <\/strong>du mois, d'autant que la fin d'ann\u00e9e est souvent une p\u00e9riode difficile financi\u00e8rement avec les f\u00eates, les vacances, etc.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quel montant donner pour les \u00e9trennes ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En moyenne, les sommes donn\u00e9es varient de 5 \u00e0 50 euros mais vous n'\u00eates pas tenu par ces montants. Et encore faut-il avoir une peu de <strong>monnaie <\/strong>chez soi...<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quand donner les \u00e9trennes ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La date des \u00e9trennes n'est pas fig\u00e9e. A chacun sa guise, \u00e7a peut \u00eatre pour d\u00e9marrer l'ann\u00e9e sur une note positive (ne pas d\u00e9passer janvier et les v\u0153ux de la nouvelle ann\u00e9e dans ce cas). Ou au contraire aider \u00e0 finir l'ann\u00e9e, donc participer au budget un peu lourd des f\u00eates.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00c0 noter<\/strong> : Les fonds r\u00e9colt\u00e9s par les pompiers sont revers\u00e9s \u00e0 des associations, pour soutenir les orphelins de pompiers morts au service par exemple. Si vous achetez un calendrier, ils doivent donc vous d\u00e9livrer un re\u00e7u fiscal pour vous permettre d'obtenir une r\u00e9duction d'imp\u00f4ts sur votre don.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cadeau d'\u00e9trennes ou donation : comment le fisc fait-il la diff\u00e9rence ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vos <strong>\u00e9trennes<\/strong> sont consid\u00e9r\u00e9es comme des <strong>pr\u00e9sents d'usage<\/strong> par l'administration fiscale tant qu'elles respectent deux crit\u00e8res essentiels. D'abord, elles doivent \u00eatre li\u00e9es \u00e0 un <strong>\u00e9v\u00e9nement particulier<\/strong> comme No\u00ebl ou le jour de l'an. Ensuite, leur <strong>montant<\/strong> doit rester raisonnable par rapport \u00e0 vos revenus et votre patrimoine.&nbsp;Au-del\u00e0, le fisc pourrait requalifier vos \u00e9trennes en <strong>donation taxable<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les arnaques \"au calendrier\"<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Devant la recrudescence des<strong> tentatives d'arnaques<\/strong>, certaines communes ont parfois interdit aux fonctionnaires municipaux de faire du porte \u00e0 porte. Le facteur est la personne que vous verrez le plus souvent et en g\u00e9n\u00e9ral vous le reconna\u00eetrez. Les pompiers ont aussi un uniforme bien distinct.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au moindre <strong>doute <\/strong>sur l'identification de la personne, <strong>d\u00e9clinez <\/strong>: expliquez par exemple que vous avez d\u00e9j\u00e0 donn\u00e9 cette ann\u00e9e \u00e0 une autre profession, et que vous changez chaque ann\u00e9e. Ou encore, vous n'avez pas de monnaie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Attention : <\/strong>ne laissez pas entrerla personne chez vous, par exemple pour aller dans une autre pi\u00e8ce chercher de l'argent ou m\u00eame si elle pr\u00e9tend une \"envie pressante\" : une personne malveillante en profitera pour faire du rep\u00e9rage ou m\u00eame vous d\u00e9rober imm\u00e9diatement des objets de valeur. Alertez vos parents, personnes du 3\u00e8me \u00e2ge et personnes facilement influen\u00e7ables afin qu'ils redoublent de vigilance. Ce sont les 1\u00e8res victimes de ce genre d'arnaques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 savoir : les agents municipaux de la Ville de Paris ont la stricte interdiction,&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/cdn.paris.fr\/paris\/2020\/02\/26\/343a3f10b11891ea3210a0c43eadfc5c.ai\" target=\"_blank\">par avis pr\u00e9fectoral<\/a>, de solliciter quelque gratification que ce soit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Questions fr\u00e9quentes sur les \u00e9trennes<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Quelle est l'origine des \u00e9trennes ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Cette coutume de gratification et de reconnaissance puise ses racines dans la Rome antique. Ce mot f\u00e9minin, g\u00e9n\u00e9ralement employ\u00e9 au pluriel, provient du latin \"strena\" qui signifiait \u00e0 l'origine \"pr\u00e9sage\" ou \"bon augure\". Les Romains avaient l'habitude de cueillir des branches de verveine dans un bois sacr\u00e9 d\u00e9di\u00e9 \u00e0 la d\u00e9esse Strenia, divinit\u00e9 associ\u00e9e au renouveau et \u00e0 la bonne fortune. Elles&nbsp;\u00e9taient offertes aux dieux comme&nbsp;signe de bon augure pour la nouvelle ann\u00e9e. Au fil des si\u00e8cles, ces simples v\u00e9g\u00e9taux se transform\u00e8rent progressivement : figues, des dattes et du miel, symboles de toutes les douceurs souhait\u00e9es pour l'ann\u00e9e nouvelle. Puis ces offrandes \u00e9volu\u00e8rent ensuite vers des pi\u00e8ces de monnaie, objets pr\u00e9cieux, etc. \u00c0 noter : les Celtes avaient une coutume similaire avec le gui, v\u00e9g\u00e9tal sacr\u00e9 pour les druides, qui servait d'offrande bien avant la conqu\u00eate romaine.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Quelle est la d\u00e9finition du mot \u00e9trennes ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Le terme \u00e9trennes d\u00e9signe des cadeaux ou gratifications offerts principalement lors du premier jour de l'ann\u00e9e ou \u00e0 l'occasion de No\u00ebl. Les \u00e9trennes peuvent prendre diff\u00e9rentes formes : argent liquide, objets, pr\u00e9sents divers remis aux personnes qui rendent des services r\u00e9guliers tout au long de l'ann\u00e9e. Le montant varie selon les moyens de chacun et la relation entretenue avec le b\u00e9n\u00e9ficiaire. Cette pratique concerne traditionnellement le facteur, la nounou, l'aide \u00e0 domicile ou encore le concierge.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Les \u00e9trennes : usages et arnaques \u00e0 conna\u00eetre\":<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.paris.fr\/pages\/etrennes-de-fin-d-annee-quete-et-vente-de-calendriers-interdites-2992\" target=\"_blank\" rel=\"noreferrer noopener\">\u00c9trennes&nbsp;: attention aux faux \u00e9boueurs&nbsp;! - Ville de Paris<\/a><\/li><\/ul>\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                <h4 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\n                                <span role=\"presentation\" 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C\u2019est pourtant particuli\u00e8rement utile pour (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:3701,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/recrudescence-des-fraudes-aux-prets-et-aux-livrets\/&quot;,&quot;title&quot;:&quot;Recrudescence des fraudes aux pr\u00eats et aux livrets&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/fraude-livret-credit-150x150.jpg&quot;,&quot;likes&quot;:10}\"\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\" 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La question se pose chaque ann\u00e9e et 2025 ne fait pas exception. Quelle est la tradition des \u00e9trennes ? La\u00a0tradition des \u00e9trennes n'est ni obligation ni une r\u00e8gle. Elle perdure, souvent en fin ou d\u00e9but d'ann\u00e9e et est l'occasion de t\u00e9moigner [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":36730,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":42,"views":22099,"viewed_at":"1778488913","newsletter":"0","_yoast_wpseo_primary_category":386,"footnotes":""},"categories":[146,386,270,275],"tags":[],"class_list":["post-246","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-au-quotidien","category-cote-depenses","category-mes-moments-de-vie","category-mon-budget"],"yoast_head":"<title>Les \u00e9trennes de No\u00ebl ou fin d&#039;ann\u00e9e : usages et arnaques \u00e0 conna\u00eetre - C\u00f4t\u00e9 d\u00e9penses - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Concierge, facteur, pompier... faut-il donner des \u00e9trennes et combien ? 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