{"id":307,"date":"2024-09-14T00:00:00","date_gmt":"2024-09-13T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2019\/03\/29\/le-refus-douverture-de-compte\/"},"modified":"2025-07-31T09:44:26","modified_gmt":"2025-07-31T07:44:26","slug":"refus-douverture-de-compte","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/refus-douverture-de-compte\/","title":{"rendered":"Le refus d'ouverture de compte"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">La banque que vous avez choisie peut vous refuser l'ouverture d'un compte. On vous explique pourquoi et comment faire pour ouvrir un compte.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">La banque peut refuser de vous ouvrir un compte<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La banque vous remet gratuitement et sans d\u00e9lai une <strong>attestation de refus<\/strong>. Ce document vous informe des motifs de refus et vous indique comment obtenir la d\u00e9signation, par la Banque de France, d'un \u00e9tablissement bancaire o\u00f9 un compte vous sera ouvert. C'est la proc\u00e9dure du <strong>droit au compt<\/strong>e. Le compte fonctionnera alors avec les <strong>services bancaires de base<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez aussi directement saisir la Banque de France, <strong>faute de r\u00e9ponse de la banque<\/strong> dans les 15 jours suivants votre demande d'ouverture de compte. Ce d\u00e9lai court \u00e0 partir de la date de r\u00e9ception de l'avis de r\u00e9ception de votre demande par lettre recommand\u00e9e ou de la preuve de votre d\u00e9p\u00f4t en main propre.&nbsp;Ce syst\u00e8me de refus implicite existe depuis juin 2022 (d\u00e9cret du 11 mars 2022).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le droit au compte est possible pour toute personne physique : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>domicili\u00e9e en France et d\u00e9pourvue d'un compte de d\u00e9p\u00f4t, <\/li><li>ou de nationalit\u00e9 fran\u00e7aise r\u00e9sidant hors de France,<\/li><li>ou r\u00e9sidant l\u00e9galement sur le territoire d'un Etat membre de l'Union europ\u00e9enne et n'agissant pas pour des besoins des professionnels, d\u00e8s lors qu'elle n'a pas de compte de d\u00e9p\u00f4t en France.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dans le cadre de la proc\u00e9dure aupr\u00e8s de la Banque de France, vous pourrez pr\u00e9ciser vos pr\u00e9f\u00e9rences g\u00e9ographiques.<\/p>\n\n\n<div class=\"youtube-container\" data-wp-interactive=\"cdb\/video-consent\" data-wp-context=\"{&quot;loaded&quot;:false}\" data-wp-init=\"callbacks.init\">\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe data-src=\"https:\/\/www.youtube.com\/embed\/_A197hif-nI?feature=oembed\" data-wp-watch=\"callbacks.syncIframe\" loading=\"lazy\" title=\"Le saviez-vous ? Si 1 banque vous refuse l&amp;apos;ouverture d&amp;apos;1 compte vous pourrez quand m\u00eame en ouvrir 1.\" width=\"500\" height=\"281\"  frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<div class=\"video-consent-overlay\" data-wp-watch=\"callbacks.syncOverlay\"><div class=\"video-consent-overlay-text\">Vous devez accepter les cookies de YouTube pour visionner cette vid\u00e9o<\/div><button type=\"button\" class=\"video-consent-overlay-accept-button\" data-wp-on--click=\"actions.accept\">J&#039;accepte - Lancer la vid\u00e9o<\/button><\/div><\/div>\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'\u00eates pas oblig\u00e9 de recourir imm\u00e9diatement \u00e0 la proc\u00e9dure indiqu\u00e9e sur l'attestation de refus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous pr\u00e9f\u00e9rez, vous pouvez <strong>solliciter une autre banque<\/strong>, ou plusieurs, pour l'ouverture d'un compte. Mieux vaut en effet trouver un partenaire bancaire qui souhaite vous ouvrir ce compte afin de construire une relation de confiance avec des services bancaires adapt\u00e9s \u00e0 vos besoins.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cas de refus successifs, vous pourrez demander alors \u00e0 b\u00e9n\u00e9ficier de la proc\u00e9dure du \"<a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/un-droit-au-compte\/\" target=\"_blank\">droit au compte<\/a>\".<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Le refus d'ouverture de compte\" :<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/section_lc\/LEGITEXT000006072026\/LEGISCTA000020861267\/#LEGISCTA000020866615\" target=\"_blank\" rel=\"noreferrer noopener\">Legifrance Art. L312-1 C. mon\u00e9taire et financier<\/a><\/li><li><a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/section_lc\/LEGITEXT000006072026\/LEGISCTA000006184410\/#LEGISCTA000033688457\" target=\"_blank\" rel=\"noreferrer noopener\">Legifrance Art.D312-5 et 6 C. mon\u00e9taire et financier<\/a><\/li><li><a href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000045340629\" target=\"_blank\" rel=\"noreferrer noopener\">Legifrance D\u00e9cret du 11 mars 2022<\/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                <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\" data-wp-context=\"{&quot;perView&quot;:4,&quot;perViewTablet&quot;:2,&quot;perViewMobile&quot;:1,&quot;scroll&quot;:1,&quot;loop&quot;:true}\" data-wp-init=\"callbacks.init\"><div class=\"carousel__cards cards\" data-carousel-track><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;:828,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/ouvrir-un-compte-bancaire\/&quot;,&quot;title&quot;:&quot;Ouvrir un compte bancaire : les modalit\u00e9s pratiques&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/demande-ouverture-compte-_BD-150x150.jpg&quot;,&quot;likes&quot;:26}\"\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=\"828\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/ouvrir-un-compte-bancaire\/\"\n         data-title=\"Ouvrir un compte bancaire : les modalit\u00e9s pratiques\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" 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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\">7 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/ouvrir-un-compte-bancaire\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/demande-ouverture-compte-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/demande-ouverture-compte-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/demande-ouverture-compte-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/demande-ouverture-compte-_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\">Comment ouvrir un compte ?<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Ouvrir un compte bancaire : les modalit\u00e9s pratiques<\/span>\n                <\/h3>\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;:308,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/un-droit-au-compte\/&quot;,&quot;title&quot;:&quot;C\\u0027est quoi le droit au compte ?&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/droit-au-compte-_BD-150x150.jpg&quot;,&quot;likes&quot;:18}\"\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=\"308\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/un-droit-au-compte\/\"\n         data-title=\"C&#039;est quoi le droit au compte ?\">\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                       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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/droit-au-compte-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/droit-au-compte-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/droit-au-compte-_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\">Comment ouvrir un compte ?<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">C&#039;est quoi le droit au compte ?<\/span>\n                <\/h3>\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;:310,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/services-bancaires-de-base-droit-au-compte\/&quot;,&quot;title&quot;:&quot;Avec le droit au compte, des services bancaires de base gratuits&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/services-bancaires-base-_BD-150x150.jpg&quot;,&quot;likes&quot;:8}\"\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            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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    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/services-bancaires-de-base-droit-au-compte\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/services-bancaires-base-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/services-bancaires-base-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/services-bancaires-base-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/services-bancaires-base-_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\">Le contrat bancaire<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Avec le droit au compte, des services bancaires de base gratuits<\/span>\n                <\/h3>\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;:825,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/comparer-les-banques\/&quot;,&quot;title&quot;:&quot;Comparatif de banques : comment choisir la meilleure banque ?&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/06\/Comparer-banque-150x150.jpg&quot;,&quot;likes&quot;:15}\"\n     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    <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Les services bancaires \u00e0 distance et les moyens de paiement num\u00e9riques font partie du quotidien. 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Et parce que tout le monde a besoin d\u2019avoir un compte bancaire pour percevoir un salaire, payer...<\/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;:291,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/solutions-fragilite-financiere\/&quot;,&quot;title&quot;:&quot;Des solutions pour les personnes en situation de fragilit\u00e9 financi\u00e8re&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=\"291\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/solutions-fragilite-financiere\/\"\n         data-title=\"Des solutions pour les personnes en situation de fragilit\u00e9 financi\u00e8re\">\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=\"Des solutions pour les personnes en situation de fragilit\u00e9 financi\u00e8re\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/solutions-fragilite-financiere\/\">\n                Des solutions pour les personnes en situation de fragilit\u00e9 financi\u00e8re            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">La banque accompagne ses clients dans les bons moments mais aussi en cas de difficult\u00e9s. En d\u00e9tectant une situation de fragilit\u00e9 financi\u00e8re, elle peut proposer des solutions...<\/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;:42,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/banque-a-distance-reflexes-securite\/&quot;,&quot;title&quot;:&quot;Banque \u00e0 distance - 10 r\u00e9flexes s\u00e9curit\u00e9&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:72}\"\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=\"42\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/banque-a-distance-reflexes-securite\/\"\n         data-title=\"Banque \u00e0 distance - 10 r\u00e9flexes s\u00e9curit\u00e9\">\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\">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=\"Banque \u00e0 distance - 10 r\u00e9flexes s\u00e9curit\u00e9\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/banque-a-distance-reflexes-securite\/\">\n                Banque \u00e0 distance - 10 r\u00e9flexes s\u00e9curit\u00e9            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">En tant que client de la banque, votre r\u00f4le est essentiel dans l\u2019utilisation s\u00e9curis\u00e9e des services de banque \u00e0 distance. Comme avec vos papiers d\u2019identit\u00e9 ou vos cl\u00e9s, vous...<\/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>La banque que vous avez choisie peut vous refuser l'ouverture d'un compte. On vous explique pourquoi et comment faire pour ouvrir un compte. La banque peut refuser de vous ouvrir un compte La banque vous remet gratuitement et sans d\u00e9lai une attestation de refus. Ce document vous informe des motifs de refus et vous indique [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":4117,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":9,"views":18018,"viewed_at":"1778484310","newsletter":"0","_yoast_wpseo_primary_category":124,"footnotes":""},"categories":[124,129,17],"tags":[],"class_list":["post-307","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-choisir-sa-banque","category-mon-compte","category-ouvrir-un-compte"],"yoast_head":"<title>Le refus d&#039;ouverture de compte - Choisir sa banque - Les cl\u00e9s de la banque - Particulier<\/title>\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\/refus-douverture-de-compte\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le refus d&#039;ouverture de compte - Choisir sa banque - Les cl\u00e9s de la banque - Particulier\" \/>\n<meta property=\"og:description\" content=\"La banque que vous avez choisie peut vous refuser l&#039;ouverture d&#039;un compte. 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