{"id":308,"date":"2022-08-02T00:00:00","date_gmt":"2022-08-01T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2019\/03\/29\/un-droit-au-compte\/"},"modified":"2024-06-19T16:49:22","modified_gmt":"2024-06-19T14:49:22","slug":"un-droit-au-compte","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/un-droit-au-compte\/","title":{"rendered":"C'est quoi le droit au compte ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\"><strong>La banque peut refuser d'ouvrir un compte mais il existe un droit au compte. En cas de refus, la banque vous indiquera comment obtenir la d\u00e9signation d'une banque o\u00f9 un compte vous sera ouvert avec des services bancaires de base.<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qui peut b\u00e9n\u00e9ficier du droit au compte ?<\/h3>\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\">A condition de ne pas avoir de compte de d\u00e9p\u00f4t en France, <strong>le droit au compte <\/strong>est accessible \u00e0 :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>toute personne morale ou physique, domicili\u00e9e en France ;<\/li><li>toute personne physique de nationalit\u00e9 fran\u00e7aise r\u00e9sidant \u00e0 l'\u00e9tranger ;<\/li><li>toute personne physique r\u00e9sidant l\u00e9galement dans un Etat membre de l'Union europ\u00e9enne et n'agissant 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<h3 class=\"wp-block-heading\">Comment proc\u00e9der pour b\u00e9n\u00e9ficier du droit au compte ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous devez remplir et signer le formulaire de demande de droit au compte qui doit comprendre les justificatifs suivant : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Copie d'une pi\u00e8ce d'identit\u00e9<\/strong> en cours de validit\u00e9, d\u00e9livr\u00e9e par une administration publique avec votre photo (carte nationale d'identit\u00e9, passeport, permis de conduire...) ;<\/li><li><strong>Copie d'un justificatif de domicile<\/strong> \u00e0 votre nom (quittance de loyer, facture d'eau, de gaz, d'\u00e9lectricit\u00e9, attestation d'assurance, dernier avis d'imposition ou de non-imposition...) et datant de moins de 3 mois ;<\/li><li><strong>Attestation de refus d'ouverture de compte<\/strong> (remise par la banque), <strong>ou un document justifiant que vous avez demand\u00e9 \u00e0 ouvrir un compte depuis plus de 15 jours<\/strong> (accus\u00e9 de r\u00e9ception de la lettre recommand\u00e9e par exemple) ;<\/li><li><strong>D\u00e9claration sur l'honneur<\/strong> attestant que vous n'avez pas de compte de d\u00e9p\u00f4t en France \u00e0 titre personnel <strong>ou la d\u00e9cision de r\u00e9siliation de la convention de compte<\/strong> pr\u00e9c\u00e9dente.<\/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\">Vous pouvez <strong>obtenir de l'aide<\/strong> aupr\u00e8s des organismes suivants : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Conseil d\u00e9partemental ;<\/li><li>Caisse d'allocations familiales (CAF) ;<\/li><li>Centre Communal d'Action Sociale (CCAS) ;<\/li><li>Associations ou fondations d'aide aux personnes en difficult\u00e9 ou de d\u00e9fense des int\u00e9r\u00eats des familles ;<\/li><li>Associations de consommateurs agr\u00e9\u00e9es.<\/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\">Ces organismes peuvent transmettre votre demande de d\u00e9signation et les documents requis \u00e0 la Banque de France en votre nom.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La banque qui refuse de vous ouvrir un compte peut transmettre votre dossier mais vous pouvez aussi le d\u00e9poser en ligne, au guichet d\u2019une succursale de la Banque de France ou par voie postale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A r\u00e9ception du dossier complet, la banque de France, dans un d\u00e9lai d<strong>'un jour ouvr\u00e9, d\u00e9signe l'\u00e9tablissement o\u00f9 un compte vous sera ouvert.<\/strong> Elle informe la banque d\u00e9sign\u00e9e et l'agence qui a lanc\u00e9 la proc\u00e9dure de droit au compte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous recevrez un courrier de la Banque de France vous informant du nom et de l'adresse de l'\u00e9tablissement d\u00e9sign\u00e9 pour ouvrir votre compte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>La banque d\u00e9sign\u00e9e proc\u00e8de \u00e0 l'ouverture du compte dans un d\u00e9lai de 3 jours ouvr\u00e9s<\/strong> \u00e0 compter de la r\u00e9ception de l'ensemble des documents n\u00e9cessaires.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">La banque pourra-t-elle cl\u00f4turer ce compte ensuite ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si une banque vous a ouvert un compte dans le cadre du droit au compte, elle peut souhaiter par la suite le cl\u00f4turer. Dans ce cas, <strong>elle doit vous pr\u00e9venir par \u00e9crit au minimum 2 mois \u00e0 l'avance en indiquant le motif de la cl\u00f4ture<\/strong> (sauf si cette notification est de nature \u00e0 contrevenir aux objectifs de s\u00e9curit\u00e9 nationale ou de maintien de l'ordre public) et en informer la Banque de France.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>La banque ne pourra cl\u00f4turer ce compte que pour l'un des six motifs suivants :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>vous avez d\u00e9lib\u00e9r\u00e9ment utilis\u00e9 votre compte de d\u00e9p\u00f4t pour des op\u00e9rations que la banque a des raisons de soup\u00e7onner comme poursuivant des fins ill\u00e9gales ;<\/li><li>vous avez fourni des informations inexactes ;<\/li><li>vous ne r\u00e9pondez plus aux conditions de domicile ou de r\u00e9sidence permettant de b\u00e9n\u00e9ficier du droit au compte ;<\/li><li>vous avez ult\u00e9rieurement ouvert un deuxi\u00e8me compte de d\u00e9p\u00f4t en France qui vous permet d'utiliser les services bancaires de base ;<\/li><li>vous avez fait preuve d'incivilit\u00e9s r\u00e9p\u00e9t\u00e9es envers le personnel de l'\u00e9tablissement de cr\u00e9dit ;<\/li><li>la banque ne peut remplir ses obligations de vigilance en mati\u00e8re de lutte contre le blanchiment et le financement du terrorisme.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le pr\u00e9avis de deux mois n'est pas pr\u00e9vu pour les deux premiers cas de cette liste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pour aller plus loin :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006072026\">Legifrance Art. L312-1 C. mon\u00e9taire et financier<\/a><\/li><li><a rel=\"noreferrer noopener\" target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006072026\">Legifrance Art.D312-5 et 6 C. mon\u00e9taire et financier<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000045340629\" target=\"_blank\">Legifrance D\u00e9cret du 11 mars 2022<\/a> et <a href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000045545804\">Arr\u00eat\u00e9 du 1er avril 2022 modifiant la liste des pi\u00e8ces justificatives <\/a><\/li><\/ul>\n\n\n\n<div style=\"height:44px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"focusOn focusOn--invert\"><div class=\"focusOn__inner\"><div class=\"focusOn__articles\" data-wp-interactive=\"fbf\/carousel\" data-wp-context=\"{&quot;perView&quot;:2,&quot;perViewTablet&quot;:2,&quot;perViewMobile&quot;:1,&quot;scroll&quot;:2,&quot;loop&quot;:true}\" data-wp-init=\"callbacks.init\"><div class=\"focusOn__articlesInner\"><div class=\"cards\" data-carousel-track><div class=\"focusOn__item\"><article class=\"card card--noBg\" data-block=\"focus-on\">\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 - 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D\u00e9claration sur l&#039;honneur de non d\u00e9tention de compte<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Muni d&#039;une lettre de refus et d&#039;une d\u00e9claration sur l&#039;honneur de non 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 class=\"focusOn__item\"><article class=\"card card--noBg\" data-block=\"focus-on\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:305,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-droit-au-compte\/&quot;,&quot;title&quot;:&quot;Le droit au compte&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:81}\"\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=\"305\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-droit-au-compte\/\"\n         data-title=\"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                        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    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-droit-au-compte\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Guides bancaires<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le droit au compte<\/span>\n                <\/h3>\n                                <p class=\"card__article\">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 (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/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\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div><div class=\"titleWithShadowText titleWithShadowText--backgroundColor --mobile\">\n    <div class=\"titleWithShadowText__inner\" style=\"background-color: #19a69b\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg style=\"background-color: #19a69b\" 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 style=\"background-color: #19a69b\" class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Pratique                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Pratique<\/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        <\/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                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" data-wp-interactive=\"fbf\/carousel\" 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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;: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            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"310\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/services-bancaires-de-base-droit-au-compte\/\"\n         data-title=\"Avec le droit au compte, des services bancaires de base gratuits\">\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                        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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/RIB-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/RIB-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/RIB-_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\">Le RIB : Relev\u00e9 d&#039;Identit\u00e9 Bancaire<\/span>\n                <\/h3>\n                       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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/refus-d-ouverture-compte-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/refus-d-ouverture-compte-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/refus-d-ouverture-compte-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/refus-d-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\">Choisir sa banque<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le refus d&#039;ouverture de compte<\/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;:632,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/a-quoi-sert-une-banque\/&quot;,&quot;title&quot;:&quot;A quoi sert une banque ?&quot;,&quot;thumbnail&quot;:&quot;&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\" 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=\"632\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/a-quoi-sert-une-banque\/\"\n         data-title=\"A quoi sert une banque ?\">\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            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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\">&lt; 1 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/a-quoi-sert-une-banque\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Diaporamas<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">A quoi sert une banque ?<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Cette pr\u00e9sentation est ax\u00e9e sur les aspects pratiques du quotidien des clients des banques : \u00e9pargne, cr\u00e9dit, paiements, etc. Elle s&#039;appuie sur des cas concrets pour une (...)<\/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\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>La banque peut refuser d'ouvrir un compte mais il existe un droit au compte. En cas de refus, la banque vous indiquera comment obtenir la d\u00e9signation d'une banque o\u00f9 un compte vous sera ouvert avec des services bancaires de base. Qui peut b\u00e9n\u00e9ficier du droit au compte ? A condition de ne pas avoir de [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":4110,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":18,"views":21816,"viewed_at":"1778489066","newsletter":"0","_yoast_wpseo_primary_category":125,"footnotes":""},"categories":[125,129,17],"tags":[],"class_list":["post-308","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-comment-ouvrir-un-compte","category-mon-compte","category-ouvrir-un-compte"],"yoast_head":"<title>C&#039;est quoi le droit au compte ? - Comment ouvrir un compte ? - 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\/un-droit-au-compte\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"C&#039;est quoi le droit au compte ? - Comment ouvrir un compte ? - Les cl\u00e9s de la banque - Particulier\" \/>\n<meta property=\"og:description\" content=\"La banque peut refuser d&#039;ouvrir un compte mais il existe un droit au compte. 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