{"id":3774,"date":"2026-08-19T16:53:49","date_gmt":"2026-08-19T14:53:49","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/?p=3774"},"modified":"2026-08-20T16:15:06","modified_gmt":"2026-08-20T14:15:06","slug":"fraude-aux-livrets-placements-financiers","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/fraude-aux-livrets-placements-financiers\/","title":{"rendered":"Fraude aux livrets et placements : comment reconna\u00eetre et \u00e9viter les arnaques ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Faux livrets boost\u00e9s, placements garantis \u00e0 rendement exceptionnel, crypto-actifs pr\u00e9tendument tr\u00e8s rentables\u2026 la fraude aux livrets et placements fait chaque ann\u00e9e des milliers de victimes en France et repr\u00e9senteraient des centaines de millions d'euros d\u00e9tourn\u00e9s. Savoir reconna\u00eetre les signaux d'alerte d'une fausse offre d'investissement, c'est la meilleure fa\u00e7on de prot\u00e9ger votre \u00e9pargne.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qu\u2019est-ce que l'arnaque au placement ou au livret ?<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Le m\u00e9canisme de la fraude<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Cette escroquerie repose sur une <strong>usurpation d'identit\u00e9<\/strong>. Le fraudeur se fait passer pour un conseiller bancaire ou un courtier en utilisant le nom et le logo d'un \u00e9tablissement connu. Il vous propose alors un <strong>livret d'\u00e9pargne<\/strong> ou un placement (vin, <strong>crypto-actifs<\/strong>, \u00e9nergies renouvelables, etc.) avec des promesses irr\u00e9alistes : un rendement tr\u00e8s \u00e9lev\u00e9, un capital garanti et aucun risque. Dans la tr\u00e8s grande majorit\u00e9 des cas, un rendement \u00e9lev\u00e9 s'accompagne d'un niveau de risque plus important.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour vous mettre en confiance, l'escroc vous dirige vers un faux site internet, souvent tr\u00e8s bien imit\u00e9, incluant des simulateurs et des documents contractuels factices. Une fois vos <strong>informations personnelles<\/strong> r\u00e9colt\u00e9es, il vous demande d'effectuer un <strong>premier versement<\/strong> pour activer votre produit. En r\u00e9alit\u00e9, cet argent est directement d\u00e9tourn\u00e9 vers les comptes des fraudeurs.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Comment les escrocs vous contactent ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les fraudeurs utilisent principalement <strong>Internet et les r\u00e9seaux sociaux<\/strong> pour trouver leurs victimes :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Publicit\u00e9s en ligne<\/strong> : des banni\u00e8res sur des sites d'actualit\u00e9 ou des r\u00e9seaux sociaux vantant des \"placements miracles\".<\/li><li><strong>D\u00e9marchage direct<\/strong> : des appels t\u00e9l\u00e9phoniques ou des courriels non sollicit\u00e9s (spam).<\/li><li><strong>R\u00e9seaux sociaux et influenceurs<\/strong> : des publications ou des vid\u00e9os mettant en avant des opportunit\u00e9s d'investissement exclusives.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame si les \u00e9changes semblent professionnels et les documents cr\u00e9dibles, gardez \u00e0 l'esprit qu'une offre trop belle pour \u00eatre vraie cache presque toujours une tentative de vol.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udea9Quels sont les signaux d'alerte \u00e0 rep\u00e9rer avant de souscrire un livret ou un placement ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les escrocs utilisent des techniques de persuasion \u00e9labor\u00e9es, mais leur discours repose sur des m\u00e9canismes r\u00e9currents. Avant tout investissement, certains <strong>signaux<\/strong> doivent vous <strong>alerter :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Un contact inattendu et flou :<\/strong> vous ne connaissez pas l'interlocuteur qui vous sollicite par courriel, t\u00e9l\u00e9phone ou via des messageries priv\u00e9es (WhatsApp, groupes de discussion).<\/li><li>Usurpation d'identit\u00e9 d<strong>'acteurs connus<\/strong> : le fraudeur utilise le nom, le logo ou les coordonn\u00e9es d'une banque, d'un assureur ou d'une soci\u00e9t\u00e9 de gestion parfaitement l\u00e9gitime. V\u00e9rifiez toujours les coordonn\u00e9es figurant dans les registres officiels et non celles communiqu\u00e9es par votre interlocuteur.<\/li><li><strong>La promesse d'un rendement \u00e9lev\u00e9 sans risque :<\/strong> un gain exceptionnel (souvent sup\u00e9rieur \u00e0 10 % par an) avec un capital garanti n'existe pas. En finance, le rendement est toujours la contrepartie du risque.<\/li><li><strong>Une pression temporelle :<\/strong> l'escroc vous pousse \u00e0 d\u00e9cider rapidement pour une \"opportunit\u00e9 exclusive\". Cette urgence vise \u00e0 emp\u00eacher toute r\u00e9flexion ou v\u00e9rification.<\/li><li><strong>Des modalit\u00e9s de paiement suspectes :<\/strong> on vous demande un virement vers un RIB \u00e0 l'\u00e9tranger, vers un compte dont le nom diff\u00e8re de la soci\u00e9t\u00e9, ou un paiement en crypto-actifs.<\/li><li><strong>L'absence de documents officiels :<\/strong> l'interm\u00e9diaire ne fournit pas les documents d'information normalement pr\u00e9vus pour le produit propos\u00e9 (Document d'Informations Cl\u00e9s, prospectus ou autres documents r\u00e9glementaires selon le type de placement).<\/li><li><strong>Une demande de donn\u00e9es sensibles :<\/strong> un conseiller agr\u00e9\u00e9 ne vous r\u00e9clamera jamais vos codes d'acc\u00e8s bancaires ou vos mots de passe.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Si vous identifiez l'un de ces comportements, n'envoyez aucun document et ne versez pas d'argent. En cas de doute, contactez imm\u00e9diatement <strong><a href=\"https:\/\/www.amf-france.org\/fr\/espace-epargnants\/lamf-et-vous\/epargne-info-service\" target=\"_blank\" rel=\"noreferrer noopener\">\u00c9pargne Info Service<\/a><\/strong> pour obtenir un avis neutre.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quels r\u00e9flexes avant de souscrire une offre de livret ou de placement financier (ACPR et AMF listes noires) ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avant tout investissement :<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>V\u00e9rifiez que l'\u00e9tablissement ou l'interm\u00e9diaire figure dans les <strong>registres officiels<\/strong> (Regafi, Orias selon l'activit\u00e9 concern\u00e9e). Ne vous contentez pas de cliquer sur le lien envoy\u00e9.<\/li><li>Consultez les<strong> listes noires publi\u00e9es par l'AMF et l'ACPR<\/strong> pour voir si\u00a0le nom de l\u2019\u00e9tablissement y figure.<strong> <\/strong>Mais attention : une absence de la liste noire ne signifie pas que la soci\u00e9t\u00e9 est autoris\u00e9e.<\/li><li>En cas de doute, <strong>ne versez aucun argent<\/strong> et contactez votre banque ou <strong><a href=\"https:\/\/protectepargne.amf-france.org\/\" target=\"_blank\" rel=\"noreferrer noopener\">AMF Protect \u00c9pargne<\/a> <\/strong>\u00a0pour v\u00e9rifier la l\u00e9gitimit\u00e9 de l\u2019offre.<\/li><\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quels sont les exemples d'arnaque \u00e0 l'investissement ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les fraudes \u00e0 l'investissement prennent des formes tr\u00e8s vari\u00e9es.\u00a0Parmi les plus r\u00e9pandues en France, on trouve notamment :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Les fausses plateformes de trading<\/strong> : un site imite une vraie interface boursi\u00e8re, affiche de faux gains, puis dispara\u00eet avec vos fonds d\u00e8s que vous tentez de retirer votre argent.<\/li><li><strong>Les arnaques au Forex et aux options binaires<\/strong> : des rendements mirobolants sont promis sur des march\u00e9s de devises ou des contrats financiers, souvent via des <strong>adresses email<\/strong> ou des publicit\u00e9s cibl\u00e9es.<\/li><li><strong>Les faux placements verts<\/strong> : de faux fonds \"durables\" ou des projets fictifs li\u00e9s aux \u00e9nergies renouvelables.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Parmi les nouvelles tendances de fraudes recens\u00e9es en 2026, on note :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Les arnaques dop\u00e9es \u00e0 l'IA : <\/strong>les fraudeurs utilisent l'intelligence artificielle pour cr\u00e9er des sites web quasi parfaits et des vid\u00e9os d'influenceurs (\"deepfakes\") vantant des placements miracles.<\/li><li><strong>La fraude \u00e0 la \"bouilloire\" (ou Pump and Dump) :<\/strong> des groupes malveillants vous incitent, via des messageries priv\u00e9es comme WhatsApp ou Telegram, \u00e0 acheter massivement des actions peu connues pour faire monter artificiellement leur cours, avant de tout revendre et de vous laisser avec des titres sans valeur.<\/li><li><strong>L'arnaque au faux recours (ou \"Recovery Room\") :<\/strong> si vous avez d\u00e9j\u00e0 \u00e9t\u00e9 <strong>victime d'une escroquerie<\/strong>, de faux professionnels vous contactent pour vous aider de r\u00e9cup\u00e9rer votre argent\u2026 contre un nouveau versement.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0fL'Autorit\u00e9 des march\u00e9s financiers rappelle que le montant moyen des pertes d\u00e9clar\u00e9es par victime a bondi, passant de 29 000 \u20ac en 2024 \u00e0 environ 34 000 \u20ac en 2025. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">C'est quoi l'arnaque au trading en ligne et aux robots automatis\u00e9s ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le ph\u00e9nom\u00e8ne des <strong>robots de trading<\/strong> (ou trading automatis\u00e9) fait l'objet d'une vigilance accrue de la part de l'<strong>Autorit\u00e9 des march\u00e9s financiers<\/strong>. Ces logiciels, souvent pr\u00e9sent\u00e9s comme des solutions miracles utilisant l'intelligence artificielle, promettent de passer des ordres automatiquement sur le <strong>Forex<\/strong> ou les <strong>crypto-monnaies<\/strong> pour g\u00e9n\u00e9rer des gains sans effort. En r\u00e9alit\u00e9, ces offres cachent fr\u00e9quemment des <strong>arnaques<\/strong> bien rod\u00e9es.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udea9<strong>Voici les signes d'alerte :\u00a0<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Promesse d'une fiabilit\u00e9 absolue et de gains garantis sans risque de perte.<\/li><li>T\u00e9moignages de clients ayant r\u00e9alis\u00e9 des gains exceptionnels gr\u00e2ce au robot.<\/li><li>Flou sur l'identit\u00e9 r\u00e9elle de la soci\u00e9t\u00e9 ou si\u00e8ge social (souvent dans des paradis fiscaux).<\/li><li>Pressions pour r\u00e9investir toujours plus d'argent afin de d\u00e9bloquer de faux gains affich\u00e9s sur une interface fictive.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les professionnels proposant du trading automatis\u00e9 peuvent \u00eatre soumis \u00e0 des autorisations ou enregistrements sp\u00e9cifiques selon leur activit\u00e9. V\u00e9rifiez syst\u00e9matiquement leur statut sur les registres officiels. En cas de doute, ne versez aucun fonds : une fois l'argent envoy\u00e9 sur ces plateformes, il est g\u00e9n\u00e9ralement impossible de le r\u00e9cup\u00e9rer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Que faire si j'ai d\u00e9j\u00e0 vers\u00e9 de l'argent \u00e0 un faux organisme ou sur une fausse plateforme ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous r\u00e9alisez que vous \u00eates&nbsp;<strong>victime d'une escroquerie<\/strong>, agissez imm\u00e9diatement. Ne c\u00e9dez pas \u00e0 la panique et, surtout, <strong>ne versez plus d'argent<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1. Contactez votre conseiller sans attendre. Si le virement est tr\u00e8s r\u00e9cent, demandez \u00e0 votre banque si une tentative de rappel de fonds (recall) est encore possible. Si vous avez transmis vos\u00a0<strong>num\u00e9ros de carte bancaire<\/strong>, faites opposition tout de suite pour stopper les pr\u00e9l\u00e8vements futurs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2. Rassemblez m\u00e9thodiquement tous les \u00e9l\u00e9ments pour votre dossier :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Prenez des <strong>captures d'\u00e9cran<\/strong> du site, des faux gains affich\u00e9s et des publicit\u00e9s vues sur les <strong>r\u00e9seaux sociaux<\/strong>.<\/li><li>Gardez tous les \u00e9changes (e-mails, SMS, messages WhatsApp) ainsi que les <strong>adresses email<\/strong> et num\u00e9ros des escrocs.<\/li><li>Notez les coordonn\u00e9es bancaires (IBAN) o\u00f9 vous avez envoy\u00e9 vos <strong>ordres de virement<\/strong>.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3. <strong>D\u00e9posez plainte<\/strong> au commissariat ou en gendarmerie. Contactez INFO ESCROQUERIES en appelant le 0805 805 817 (service et appel gratuits du lundi au vendredi de 9h \u00e0 18h30). Effectuez \u00e9galement un signalement sur le\u00a0portail officiel de signalement du Minist\u00e8re de l'int\u00e9rieur\u00a0:\u00a0<a href=\"https:\/\/www.internet-signalement.gouv.fr\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.internet-signalement.gouv.fr<\/a>. Pr\u00e9venez enfin l'<strong>Autorit\u00e9 des march\u00e9s financiers<\/strong> (AMF) ou l'ACPR. Ces d\u00e9marches aident \u00e0 actualiser la <strong>liste noire<\/strong> officielle et prot\u00e8gent d'autres \u00e9pargnants. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4. M\u00e9fiez-vous des appels futurs : les <strong>escrocs<\/strong> revendent vos coordonn\u00e9es. Vous pourriez \u00eatre contact\u00e9 par de faux avocats ou de pr\u00e9tendues autorit\u00e9s vous promettant de r\u00e9cup\u00e9rer vos fonds contre paiement. M\u00e9fiez-vous de ces propositions. Ni l'AMF ni la Banque de France ne contactent les victimes pour leur demander de verser des frais en \u00e9change d'une aide ou d'un remboursement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sch\u00e9ma type d'une fraude au livret ou placement<\/h3>\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:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-fraude-placements-financiers.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Voir l'infographie<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-fraude-placements-financiers.png\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-fraude-placements-financiers-585x1024.png?_t=1725453520\" alt=\"\" class=\"wp-image-31279\" width=\"293\" height=\"512\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-fraude-placements-financiers-585x1024.png 585w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-fraude-placements-financiers-171x300.png 171w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-fraude-placements-financiers-768x1344.png 768w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-fraude-placements-financiers-46x80.png 46w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-fraude-placements-financiers-269x470.png 269w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-fraude-placements-financiers-143x250.png 143w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-fraude-placements-financiers-29x50.png 29w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-fraude-placements-financiers-550x963.png 550w, https:\/\/www.lesclesdelabanque.com\/uploads\/2024\/09\/infog-fraude-placements-financiers.png 800w\" sizes=\"auto, (max-width: 293px) 100vw, 293px\" \/><\/a><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">En apparence : Un <strong>livret <\/strong>ou un <strong>placement <\/strong>exceptionnel. Sur Internet, une <strong>pub <\/strong>vante un livret d'\u00e9pargne ou placement (vin, diamants, crypto-actifs...) anormalement rentable, garanti et net d'imp\u00f4t. Elle renvoie vers un site rassurant avec simulateur et rattach\u00e9 \u00e0 une banque connue, avec m\u00eame un certificat de garantie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9alit\u00e9 : Vous \u00eates dirig\u00e9 vers un site <strong>escroc<\/strong>. Aussi bien fait soit-il, le site est tenu par des escrocs qui utilisent parfois l'<strong>identit\u00e9<\/strong> d'organismes financiers r\u00e9els. Tout est faux, vous ne r\u00e9cup\u00e9rerez jamais votre argent et encore moins des profits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les bons r\u00e9flexes : Ne donnez pas suite si on vous promet de l'<strong>argent facile<\/strong> et sans risque, si la personne est insistante...Ne versez pas d'argent, ne donnez pas votre num\u00e9ro de carte, ni votre RIB. Il n'existe pas de placement miracle \u00e0 forte rentabilit\u00e9 et sans risque.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cas de doute, faites le test sur<a href=\"https:\/\/protectepargne.amf-france.org\/\" target=\"_blank\" rel=\"noreferrer noopener\"> protectepargne.amf-france.org<\/a> et consultez les listes noires de l'AMF et de l'ACPR sur internet.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de \"Fraude aux livrets et placements : comment reconna\u00eetre et \u00e9viter les arnaques ?\":<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/protectepargne.amf-france.org\/verifier\/suis-je-victime-dune-arnaque\" target=\"_blank\" rel=\"noreferrer noopener\">Le site AMF Protect \u00e9pargne<\/a><\/li><li><a href=\"https:\/\/www.abe-infoservice.fr\/prevention-arnaques\/savoir-detecter-une-arnaque\/les-faux-produits-proposes\/attention-aux-offres-de-livret-depargne-frauduleuses\" target=\"_blank\" rel=\"noreferrer noopener\">Offres de livret d'\u00e9pargne frauduleuses sur abe info service<\/a><\/li><li><a href=\"https:\/\/www.internet-signalement.gouv.fr\" target=\"_blank\" rel=\"noreferrer noopener\">Internet signalement<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h4 class=\"titleWithShadowText__title\">\n                    Autres infographies                                    <\/h4>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Autres infographies<\/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 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class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Fraude au pr\u00eat ou au rachat de cr\u00e9dit : comment \u00e9viter cette arnaque\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/fraude-au-pret\/\">\n                Fraude au pr\u00eat ou au rachat de cr\u00e9dit : comment \u00e9viter cette arnaque            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Vous recevez un message vous proposant un rachat de cr\u00e9dit \u00e0 un taux imbattable ou une offre de pr\u00eat tr\u00e8s avantageuse ? 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On vous demande de payer une ran\u00e7on pour pouvoir le d\u00e9bloquer et r\u00e9cup\u00e9rer vos donn\u00e9es. Faut-il...<\/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;:3959,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/chantage-a-la-webcam\/&quot;,&quot;title&quot;:&quot;Le chantage \u00e0 la webcam&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/chantage-webcam-150x150.jpg&quot;,&quot;likes&quot;:16}\"\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=\"3959\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/chantage-a-la-webcam\/\"\n         data-title=\"Le chantage \u00e0 la webcam\">\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\">Infographies<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Le chantage \u00e0 la webcam\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/chantage-a-la-webcam\/\">\n                Le chantage \u00e0 la webcam            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Cette fraude de plus en plus courante s&#039;op\u00e8re particuli\u00e8rement sur les sites de rencontre et sur les r\u00e9seaux sociaux. Une personne dit avoir des photos ou des vid\u00e9os compromettantes...<\/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\" \/><\/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 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Savoir reconna\u00eetre les signaux d'alerte d'une fausse offre d'investissement, c'est la meilleure fa\u00e7on de prot\u00e9ger votre \u00e9pargne. Qu\u2019est-ce que l'arnaque [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":36506,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":33,"views":6796,"viewed_at":"1778492827","newsletter":"1","_yoast_wpseo_primary_category":301,"footnotes":""},"categories":[301,24,284,39,92,37,4,129,276],"tags":[],"class_list":["post-3774","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-arnaques-et-fraudes-types","category-garantie-et-securite","category-infographies","category-les-livrets-comptes-et-plans-depargne","category-les-placements","category-les-produits-depargne","category-boite-a-outils","category-mon-compte","category-mon-epargne"],"yoast_head":"<title>Fraude aux livrets et placements : comment reconna\u00eetre et \u00e9viter les arnaques ? - Arnaques et fraudes types - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Une proposition de livret ou placement \u00e0 taux tr\u00e8s \u00e9lev\u00e9 et rendements garantis ? 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