{"id":294,"date":"2025-03-24T00:00:00","date_gmt":"2025-03-23T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2019\/05\/06\/bien-utiliser-le-virement-sepa\/"},"modified":"2025-06-06T11:25:47","modified_gmt":"2025-06-06T09:25:47","slug":"guide-virement-sepa","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-virement-sepa\/","title":{"rendered":"Bien utiliser le virement SEPA"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Le virement SEPA permet de transf\u00e9rer de l\u2019argent en euros entre des comptes situ\u00e9s dans la zone SEPA (espace unique de paiement en euros). Il s\u2019est modernis\u00e9 gr\u00e2ce aux applications bancaires et au virement instantan\u00e9. Il est rapide et s\u00e9curis\u00e9 \u00e0 condition d\u2019avoir les bonnes coordonn\u00e9es du b\u00e9n\u00e9ficiaire. Hors zone SEPA, le virement devient international, avec des frais et une r\u00e9glementation diff\u00e9rente.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure data-wp-interactive=\"cdb\/lightbox\" class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/03\/Vignette-27-virement.png\" alt=\"\" class=\"wp-image-35113\" width=\"292\" height=\"411\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/03\/Vignette-27-virement.png 583w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/03\/Vignette-27-virement-213x300.png 213w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/03\/Vignette-27-virement-57x80.png 57w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/03\/Vignette-27-virement-333x470.png 333w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/03\/Vignette-27-virement-177x250.png 177w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/03\/Vignette-27-virement-35x50.png 35w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/03\/Vignette-27-virement-550x775.png 550w\" sizes=\"auto, (max-width: 292px) 100vw, 292px\" \/><\/figure><\/div>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Guide-Virement<\/p><p class=\"postAttachment__fileSize\">157,8 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Guide-Virement&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Guide-Virement\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/03\/Guide-Virement.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Guide-Virement<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\">\u00c0 quoi \u00e7a sert le virement ? <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le virement SEPA permet de <strong>recevoir des paiements en euros sur un compte de d\u00e9p\u00f4t<\/strong>, comme :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>votre salaire de la part de votre employeur ;<\/li><li>des prestations sociales (CAF) ;<\/li><li>un remboursement de soins de votre mutuelle sant\u00e9 ;<\/li><li>un d\u00e9dommagement de votre compagnie d\u2019assurance\u2026<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Il permet aussi <strong>d\u2019effectuer des paiements et transferts d\u2019argent<\/strong>, tels que :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>payer une personne ou un fournisseur de services en France ou dans un autre pays de la zone SEPA ;<\/li><li>transf\u00e9rer de l\u2019argent entre vos propres comptes, m\u00eame dans des banques diff\u00e9rentes (ex : compte courant \u2192 compte \u00e9pargne).<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le virement peut \u00eatre :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>occasionnel, pour un paiement unique, imm\u00e9diat ou diff\u00e9r\u00e9 ;<\/li><li>r\u00e9gulier, avec un ordre donn\u00e9 pour des paiements r\u00e9currents d\u2019un montant fixe et vers le m\u00eame compte (loyer, dons, abonnements\u2026) \u00e0 des dates et sur une dur\u00e9e pr\u00e9d\u00e9finies.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment \u00e7a marche ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le virement SEPA est un ordre donn\u00e9 \u00e0 la banque de transf\u00e9rer une somme d\u2019argent du compte \u00e9metteur vers le compte b\u00e9n\u00e9ficiaire.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>L\u2019IBAN<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les deux comptes sont identifi\u00e9s par&nbsp;l\u2019IBAN (num\u00e9ro du compte). Le BIC, code d\u2019identification de la banque, n\u2019est n\u00e9cessaire que pour un virement hors zone euro.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019IBAN&nbsp;figure sur le RIB (Relev\u00e9 d\u2019Identit\u00e9 Bancaire), les relev\u00e9s de compte ou encore le ch\u00e9quier et est aussi accessible sur votre espace bancaire en ligne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>L\u2019authentification forte<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une authentification forte est requise (code suppl\u00e9mentaire, empreinte digitale, reconnaissance faciale\u2026) pour enregistrer un nouveau b\u00e9n\u00e9ficiaire sur votre espace bancaire en ligne et pour valider un virement.&nbsp;Cependant, selon la politique de risque de la banque, elle peut ne pas \u00eatre demand\u00e9e pour un virement vers un compte faisant partie de votre liste de b\u00e9n\u00e9ficiaires de confiance (IBAN pr\u00e9-enregistr\u00e9s).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le co\u00fbt<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans la zone SEPA&nbsp;: les virements sont r\u00e9alis\u00e9s aux m\u00eames conditions (information, tarif, d\u00e9lai) qu\u2019un virement en France.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hors zone SEPA&nbsp;: le virement devient international, quelle que soit la devise. V\u00e9rifiez alors les modalit\u00e9s (d\u00e9lais plus longs) et frais (d\u2019\u00e9mission, de r\u00e9ception, de change) dans la convention de compte. Les frais peuvent \u00e9ventuellement \u00eatre partag\u00e9s entre l\u2019\u00e9metteur et le b\u00e9n\u00e9ficiaire. <strong>Attention&nbsp;:<\/strong> <strong>v\u00e9rifiez bien les informations avant de valider un virement<\/strong>. Une erreur d\u2019IBAN enverrait l\u2019argent vers une autre personne, avec peu de chances de le r\u00e9cup\u00e9rer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Lire la suite du guide \"bien utiliser le virement SEPA\" :<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li>\u00c0 quoi sert le virement ?<\/li><li>Comment \u00e7a marche ?<\/li><li>Quelles informations fournir ?<\/li><li>Quand l\u2019argent arrive-t-il sur le compte b\u00e9n\u00e9ficiaire ?<\/li><li>Quelles particularit\u00e9s pour le virement instantan\u00e9 ?<\/li><li>Puis-je annuler un virement ?<\/li><li>Puis-je contester un virement ?<\/li><\/ul>\n\n\n\n<div class=\"wp-block-buttons aligncenter is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link\" href=\"https:\/\/fr.calameo.com\/read\/002024705eba5914b77c6\" target=\"_blank\" rel=\"noreferrer noopener\">Feuilleter le guide<\/a><\/div>\n<\/div>\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\"><strong>Vous \u00eates travailleur social ? <\/strong>Nous vous proposons ce flyer (\u00e0 imprimer par vos soins) pour remettre aux publics que vous accompagnez. Il pr\u00e9sente rapidement le sujet et contient un QR code permettant d'aller consulter le guide en ligne.<\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">FLYER-virement-SEPA<\/p><p class=\"postAttachment__fileSize\">1,4 Mo<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;FLYER-virement-SEPA&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"FLYER-virement-SEPA\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/03\/FLYER-virement-SEPA.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger FLYER-virement-SEPA<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\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 xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" data-wp-interactive=\"fbf\/carousel\" 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Il est pl\u00e9biscit\u00e9 pour sa simplicit\u00e9 et sa rapidit\u00e9. 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Veillez \u00e0 choisir la carte qui correspond \u00e0 vos besoins et suivre ces conseils...<\/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;:407,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-cheque-sans-provision\/&quot;,&quot;title&quot;:&quot;N\\u0027\u00e9mettez pas de ch\u00e8que sans provision&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:13}\"\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=\"407\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-cheque-sans-provision\/\"\n         data-title=\"N&#039;\u00e9mettez pas de ch\u00e8que sans provision\">\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\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"N&#039;\u00e9mettez pas de ch\u00e8que sans provision\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-cheque-sans-provision\/\">\n                N&#039;\u00e9mettez pas de ch\u00e8que sans provision            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Emettre un ch\u00e8que sans provision est un acte ill\u00e9gal et lourd de cons\u00e9quences. Qu&#039;est-ce qu&#039;un ch\u00e8que sans provision ? Que se passe-t-il si vous \u00e9mettez un tel ch\u00e8que ? Voici...<\/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>Le virement SEPA permet de transf\u00e9rer de l\u2019argent en euros entre des comptes situ\u00e9s dans la zone SEPA (espace unique de paiement en euros). Il s\u2019est modernis\u00e9 gr\u00e2ce aux applications bancaires et au virement instantan\u00e9. Il est rapide et s\u00e9curis\u00e9 \u00e0 condition d\u2019avoir les bonnes coordonn\u00e9es du b\u00e9n\u00e9ficiaire. Hors zone SEPA, le virement devient international, [&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":18,"views":14387,"viewed_at":"1778492956","newsletter":"0","_yoast_wpseo_primary_category":6,"footnotes":""},"categories":[6,4,78],"tags":[],"class_list":["post-294","post","type-post","status-publish","format-standard","hentry","category-guides-bancaires","category-boite-a-outils","category-paiement"],"yoast_head":"<title>Bien utiliser le virement SEPA - Guides bancaires - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Le virement SEPA vous permet de transf\u00e9rer de l&#039;argent d&#039;un compte \u00e0 un autre. 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