{"id":305,"date":"2026-10-13T00:00:00","date_gmt":"2026-10-12T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2019\/04\/01\/le-droit-au-compte\/"},"modified":"2026-10-13T17:29:36","modified_gmt":"2026-10-13T15:29:36","slug":"guide-droit-au-compte","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-droit-au-compte\/","title":{"rendered":"Le droit au compte"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">En France, plus de 99% de la population poss\u00e8de au moins un compte bancaire. Et parce que tout le monde a besoin d\u2019avoir un compte bancaire pour percevoir un salaire, payer un commer\u00e7ant ou tout simplement pour conserver son argent en s\u00e9curit\u00e9\u2026 la loi a instaur\u00e9 un droit au compte.<\/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\/2024\/05\/Vignette-guide-droit-au-compte.png\" alt=\"\" class=\"wp-image-28423\" width=\"270\" height=\"379\" title=\"\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/05\/Vignette-guide-droit-au-compte.png 539w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/05\/Vignette-guide-droit-au-compte-213x300.png 213w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/05\/Vignette-guide-droit-au-compte-57x80.png 57w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/05\/Vignette-guide-droit-au-compte-334x470.png 334w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/05\/Vignette-guide-droit-au-compte-178x250.png 178w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/05\/Vignette-guide-droit-au-compte-36x50.png 36w\" sizes=\"auto, (max-width: 270px) 100vw, 270px\" \/><\/figure><\/div>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Guide-14-Droit-au-Compte<\/p><p class=\"postAttachment__fileSize\">371,6 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-14-Droit-au-Compte&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Guide-14-Droit-au-Compte\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2026\/10\/Guide-14-Droit-au-Compte.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Guide-14-Droit-au-Compte<\/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\">Qui peut b\u00e9n\u00e9ficier du droit au compte ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Toute personne qui n\u2019a pas de compte de d\u00e9p\u00f4t en France,<\/strong> peut demander \u00e0 b\u00e9n\u00e9ficier du droit au compte, \u00e0 condition d\u2019\u00eatre une personne : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>physique ou morale, domicili\u00e9e en France ; <\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>ou physique, de nationalit\u00e9 fran\u00e7aise r\u00e9sidant hors de France ; <\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>ou physique, r\u00e9sidant l\u00e9galement sur le territoire d\u2019un \u00c9tat membre de l\u2019Union europ\u00e9enne et n\u2019agissant pas pour des besoins professionnels. <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous avez uniquement un <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-compte-joint\/\"><strong>compte collectif <\/strong>(joint<\/a> ou indivis), le droit au compte peut s\u2019appliquer pour ouvrir un <strong>compte individuel<\/strong> (cela ne concerne pas les personnes morales). <\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">Si la banque r\u00e9silie <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/la-convention-de-compte\/\" target=\"_blank\" rel=\"noreferrer noopener\">la convention de compte<\/a> de votre seul et unique compte de d\u00e9p\u00f4t, vous \u00eates consid\u00e9r\u00e9 comme n\u2019ayant pas de compte \u00e0 compter de la date de d\u00e9cision de cette r\u00e9siliation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Une banque peut-elle refuser de m\u2019ouvrir un compte bancaire ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame si vous \u00eates majeur et si vous pouvez justifier de votre identit\u00e9 et de votre domicile, <strong>un \u00e9tablissement bancaire peut refuser<\/strong> <strong>de vous ouvrir un compte<\/strong>. La banque vous remet gratuitement et sans d\u00e9lai<strong> <\/strong>une<strong> attestation de refus<\/strong>. <\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">Ce document vous informe des motifs du refus, sauf exception. Si la banque ne r\u00e9pond pas \u00e0 votre demande \u00e9crite d\u2019ouverture de compte dans un d\u00e9lai de 15 jours, son silence est consid\u00e9r\u00e9 comme un refus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Est-il utile de contacter plusieurs banques ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous n\u2019\u00eates pas oblig\u00e9 de recourir imm\u00e9diatement \u00e0 la proc\u00e9dure de droit au compte indiqu\u00e9e sur l\u2019attestation de refus. <strong>Vous pouvez solliciter une autre banque ou plusieurs<\/strong>, pour l\u2019ouverture d\u2019un compte et ainsi <strong>faire jouer la concurrence<\/strong>. Mieux vaut en effet trouver un partenaire bancaire qui souhaite vous ouvrir ce compte afin de construire une relation de confiance et b\u00e9n\u00e9ficier des services bancaires adapt\u00e9s \u00e0 vos besoins. <strong>En cas de refus successifs, vous pourrez demander \u00e0 b\u00e9n\u00e9ficier du droit au compte.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">En quoi consiste la proc\u00e9dure du droit au compte ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Face \u00e0 un refus et si vous ne disposez pas de compte individuel, <strong><a href=\"https:\/\/www.banque-france.fr\/fr\" target=\"_blank\" rel=\"noreferrer noopener\">la Banque de France<\/a> peut d\u00e9signer un \u00e9tablissement o\u00f9 un compte devra vous \u00eatre ouvert.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Si vous le souhaitez, la banque qui a refus\u00e9 l\u2019ouverture de compte peut transmettre gratuitement votre demande de droit au compte \u00e0 la Banque de France. Elle vous fera alors remplir le formulaire et le transmettra le jour m\u00eame \u00e0 la Banque de France avec les justificatifs n\u00e9cessaires (cf. infra). <\/li><li>Dans le cas contraire, ou en l\u2019absence de r\u00e9ponse de la banque \u00e0 votre demande \u00e9crite d\u2019ouverture de compte depuis plus de 15 jours, adressez vous-m\u00eame, \u00e0 la Banque de France, votre dossier complet (preuve du refus ou du silence inclus). <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\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\">Peuvent aussi transmettre votre demande \u00e0 la Banque de France, le conseil d\u00e9partemental, la caisse d\u2019allocations familiales (sauf exceptions), le centre communal d\u2019action sociale\u2026 La prise en charge des formalit\u00e9s du droit au compte par un tiers (banque, CCAS\u2026) ne concerne que les particuliers et entrepreneurs individuels.<\/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 \"Le droit au compte\" : <\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li>Quels documents joindre \u00e0 ma demande de droit au compte ?<\/li><li>Et quels documents pour une entreprise ou une association ? <\/li><li>Comment proc\u00e8de la Banque de France ? <\/li><li>Comment se passe l'ouverture du compte ?<\/li><li>Comment fonctionne ce compte ?<\/li><li>Puis-je obtenir d\u2019autres services en plus ?<\/li><li>Comment cl\u00f4turer ce compte ?<\/li><li>Mon compte peut-il \u00eatre saisi ?<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\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\/002024705bdeadc9c02bf\" 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-Droit-au-compte<\/p><p class=\"postAttachment__fileSize\">1,5 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-Droit-au-compte&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"FLYER-Droit-au-compte\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/11\/FLYER-Droit-au-compte.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger FLYER-Droit-au-compte<\/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                    Autres guides                                    <\/h4>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Autres guides<\/span>\n                                                <p class=\"titleWithShadowText__subtitle\"><br><\/p>\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=\"publications\"><div class=\"publications__inner\"><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;:84,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/compte-joint\/&quot;,&quot;title&quot;:&quot;Le compte joint&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:56}\"\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=\"84\"\n         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<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\">3 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=\"Le compte joint\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/compte-joint\/\">\n                Le compte joint            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Le compte joint est ouvert par 2 personnes ou plus (cotitulaires) pour faciliter la gestion des d\u00e9penses communes. Il est souvent utilis\u00e9 par des couples (concubins, pacs\u00e9s,...<\/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;:405,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-10-cles-gerer-mon-compte\/&quot;,&quot;title&quot;:&quot;10 cl\u00e9s pour g\u00e9rer mon compte bancaire&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:110}\"\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=\"405\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-10-cles-gerer-mon-compte\/\"\n         data-title=\"10 cl\u00e9s pour g\u00e9rer mon compte bancaire\">\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=\"10 cl\u00e9s pour g\u00e9rer mon compte bancaire\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-10-cles-gerer-mon-compte\/\">\n                10 cl\u00e9s pour g\u00e9rer mon compte bancaire            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Pour g\u00e9rer au mieux votre compte bancaire et ainsi \u00e9viter les incidents, quelques r\u00e8gles simples s&#039;imposent. En agence ou \u00e0 distance, votre banquier est disponible pour r\u00e9pondre...<\/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;:499,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/que-devient-largent-des-comptes-inactifs\/&quot;,&quot;title&quot;:&quot;Que devient l\\u0027argent des comptes inactifs ?&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:35}\"\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=\"499\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/que-devient-largent-des-comptes-inactifs\/\"\n         data-title=\"Que devient l&#039;argent des comptes inactifs ?\">\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=\"Que devient l&#039;argent des comptes inactifs ?\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/que-devient-largent-des-comptes-inactifs\/\">\n                Que devient l&#039;argent des comptes inactifs ?            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Ce mini-guide explique comment des comptes deviennent inactifs et ce que devient l\u2019argent d\u00e9pos\u00e9 sur ces comptes.Depuis janvier 2016, avec la loi dite \u00ab Eckert \u00bb, les d\u00e9marches...<\/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: #19a69b\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:8089,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/linformation-sur-les-tarifs-bancaires\/&quot;,&quot;title&quot;:&quot;L\\u0027information sur les tarifs bancaires&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:24}\"\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=\"8089\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/linformation-sur-les-tarifs-bancaires\/\"\n         data-title=\"L&#039;information sur les tarifs 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\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"L&#039;information sur les tarifs bancaires\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/linformation-sur-les-tarifs-bancaires\/\">\n                L&#039;information sur les tarifs bancaires            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">C&#039;est bien s\u00fbr au moment de choisir sa banque et d&#039;ouvrir un compte qu&#039;on est le plus souvent attentif aux tarifs bancaires. S&#039;il est important de suivre l&#039;\u00e9volution de ces...<\/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<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\" 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class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">En cas de refus de la banque d&#039;ouvrir un compte, vous pourrez quand m\u00eame en ouvrir un.<\/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 class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:427,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/droit-au-compte-declaration-sur-lhonneur-de-non-detention-de-compte\/&quot;,&quot;title&quot;:&quot;Droit au compte - D\u00e9claration sur l\\u0027honneur de non d\u00e9tention de compte&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:8}\"\n     data-wp-init=\"callbacks.init\">\n    <button 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d\u00e9tention de compte de d\u00e9p\u00f4t, personnel ou professionnel, vous pouvez vous rendre \u00e0 la Banque de France (...)<\/p>\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\" 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Et parce que tout le monde a besoin d\u2019avoir un compte bancaire pour percevoir un salaire, payer un commer\u00e7ant ou tout simplement pour conserver son argent en s\u00e9curit\u00e9\u2026 la loi a instaur\u00e9 un droit au compte. Qui peut b\u00e9n\u00e9ficier du droit [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":81,"views":50701,"viewed_at":"1778489997","newsletter":"0","_yoast_wpseo_primary_category":6,"footnotes":""},"categories":[40,6,4],"tags":[],"class_list":["post-305","post","type-post","status-publish","format-standard","hentry","category-compte","category-guides-bancaires","category-boite-a-outils"],"yoast_head":"<title>Le droit au compte - Guides bancaires - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"On a tous besoin d&#039;un compte bancaire : recevoir son salaire, payer, s\u00e9curiser son argent... 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