{"id":544,"date":"2023-01-07T00:00:00","date_gmt":"2023-01-06T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2014\/10\/07\/payer-par-prelevement-sepa\/"},"modified":"2026-01-21T13:24:56","modified_gmt":"2026-01-21T11:24:56","slug":"payer-par-prelevement-sepa","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/payer-par-prelevement-sepa\/","title":{"rendered":"Payer par pr\u00e9l\u00e8vement SEPA"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Tr\u00e8s pratique pour r\u00e9gler des factures, ce mode de paiement est harmonis\u00e9 au niveau europ\u00e9en sous l'appellation \"pr\u00e9l\u00e8vement SEPA\" et permet aujourd'hui de payer en euros dans l'Union europ\u00e9enne ainsi qu'en Islande, en Norv\u00e8ge, au Liechtenstein, en Suisse, \u00e0 Monaco et \u00e0 Saint-Marin.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment mettre en place un pr\u00e9l\u00e8vement SEPA ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong><a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/prelevement-sepa\/\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00e9l\u00e8vement SEPA<\/a><\/strong> repose sur une <strong>autorisation <\/strong>donn\u00e9e au <strong>cr\u00e9ancier <\/strong>de pr\u00e9lever sur votre compte, sans indication de montant.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour le mettre en place, il suffit de remplir le <strong>mandat de pr\u00e9l\u00e8vement<\/strong>, remis par le cr\u00e9ancier et de lui retourner sign\u00e9, accompagn\u00e9 de votre <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/rib-releve-identite-bancaire\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Relev\u00e9 d'Identit\u00e9 Bancaire <\/strong>(RIB)<\/a>. Votre accord est valable jusqu'\u00e0 r\u00e9vocation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le cr\u00e9ancier conserve votre mandat qui contient :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>vos nom et adresse,<\/li><li>votre RIB avec les codes <strong>IBAN <\/strong>et BIC,<\/li><li>les nom, adresse et identifiant du cr\u00e9ancier ou <strong>ICS<\/strong>,<\/li><li>la nature du pr\u00e9l\u00e8vement (ponctuel ou r\u00e9current),<\/li><li>la date de signature du mandat,<\/li><li>la R\u00e9f\u00e9rence Unique de Mandat ou <strong>RUM <\/strong>(\u00e0 noter pour permettre d'identifier le paiement si besoin)<\/li><li>votre signature.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous changez de banque, pensez \u00e0 adresser \u00e0 votre cr\u00e9ancier votre nouveau RIB.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment s'op\u00e8re-t-il ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous \u00eates <strong>inform\u00e9 <\/strong>du pr\u00e9l\u00e8vement \u00e0 venir par exemple par un <strong>avis<\/strong>, un \u00e9ch\u00e9ancier, une <strong>facture<\/strong>. Cette information a lieu au moins <strong>14 jours<\/strong> avant la date d'\u00e9ch\u00e9ance pr\u00e9vue, sauf accord pr\u00e9alable entre vous et le cr\u00e9ancier sur un autre d\u00e9lai. Vous pouvez ainsi le <strong>contr\u00f4ler <\/strong>et si besoin le <strong>contester<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Votre <strong>banque <\/strong>paie le montant qui lui est pr\u00e9sent\u00e9 par le cr\u00e9ancier et en inscrit la somme au <strong>d\u00e9bit <\/strong>de votre compte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce mode de paiement est tr\u00e8s pratique pour payer des <strong>factures <\/strong>(par exemple abonnement d'\u00e9lectricit\u00e9, de t\u00e9l\u00e9phone portable, imp\u00f4ts, etc.).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Et s'il est rejet\u00e9 pour d\u00e9faut de provision ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si votre compte n'est pas assez approvisionn\u00e9, la banque rejettera l'op\u00e9ration. Les frais de <strong>rejet <\/strong>de pr\u00e9l\u00e8vement ne peuvent pas d\u00e9passer le montant du pr\u00e9l\u00e8vement rejet\u00e9 et ils sont au maximum de 20 euros.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous estimez que vous n'aurez pas l'argent n\u00e9cessaire \u00e0 temps, demandez rapidement au cr\u00e9ancier le <strong>report <\/strong>du pr\u00e9l\u00e8vement, avant sa date d'\u00e9ch\u00e9ance. Et pr\u00e9venez votre banque pour \u00e9viter le rejet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La banque peut d\u00e9cider de faire passer l'op\u00e9ration malgr\u00e9 l'absence de provision ou d'un d\u00e9couvert autoris\u00e9. L'examen de cette situation particuli\u00e8re et ce fonctionnement irr\u00e9gulier du compte g\u00e9n\u00e8rent des frais appel\u00e9s <strong>commissions d'intervention<\/strong>.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\">A savoir : \u00e0 compter du 1er f\u00e9vrier 2023, si des frais sont r\u00e9p\u00e9t\u00e9s pour 1 m\u00eame pr\u00e9l\u00e8vement (plusieurs rejets pour d\u00e9faut de provision du m\u00eame pr\u00e9l\u00e8vement), la banque les remboursera automatiquement. Ces op\u00e9rations appara\u00eetront dans vos relev\u00e9s de compte. Certaines banques, identifiant directement ces repr\u00e9sentations, n'appliqueront pas du tout de frais. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><br>Pratique pour g\u00e9rer son budget<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>pr\u00e9l\u00e8vement <\/strong>est <strong>automatique<\/strong>, il peut ainsi faciliter la gestion de votre budget, notamment en mensualisant le paiement de certaines <strong>charges <\/strong>fixes (imp\u00f4ts par exemple), il permet d'\u00e9taler l'effort.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lisez attentivement vos <strong>factures<\/strong>, le prix d\u00e9pend de votre consommation et peut donc varier d'un mois \u00e0 l'autre (exemple : t\u00e9l\u00e9phonie, \u00e9lectricit\u00e9, etc.). Tenez-en compte dans votre budget pour le mois d'apr\u00e8s.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Payer par pr\u00e9l\u00e8vement SEPA\"  : <\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006072026\" rel=\"noreferrer noopener\">Legifrance - Le pr\u00e9l\u00e8vement aux art L 133-1 et s C. mon.et fin.<\/a><\/li><li><a target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006072026\" rel=\"noreferrer noopener\">Legifrance - Plafonnement des frais bancaires applicables aux incidents de paiement \u00e0 l'art. D133-6 C. mon.et fin.<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:63px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"focusOn\"><div class=\"focusOn__inner\"><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                <h4 class=\"titleWithShadowText__title\">\n                    Pratique                                    <\/h4>\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 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         <\/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\/envoi-dun-nouveau-rib-pour-prelevement\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Pr\u00e9l\u00e8vement<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Envoi d&#039;un nouveau RIB pour pr\u00e9l\u00e8vement<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Vous avez l&#039;habitude de r\u00e9gler votre cr\u00e9ancier par pr\u00e9l\u00e8vement. Vous souhaitez continuer mais sur un autre compte. Vous lui adressez les nouvelles coordonn\u00e9es bancaires (RIB) (...)<\/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;:550,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/revoquer-un-mandat-de-prelevement-aupres-du-creancier\/&quot;,&quot;title&quot;:&quot;R\u00e9voquer un mandat de pr\u00e9l\u00e8vement - aupr\u00e8s du cr\u00e9ancier&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:1}\"\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=\"550\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/revoquer-un-mandat-de-prelevement-aupres-du-creancier\/\"\n         data-title=\"R\u00e9voquer un mandat de pr\u00e9l\u00e8vement - aupr\u00e8s du cr\u00e9ancier\">\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    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/revoquer-un-mandat-de-prelevement-aupres-du-creancier\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Pr\u00e9l\u00e8vement<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">R\u00e9voquer un mandat de pr\u00e9l\u00e8vement - aupr\u00e8s du cr\u00e9ancier<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Vous d\u00e9cidez de mettre fin au mode de paiement par pr\u00e9l\u00e8vement pour les factures concernant un de vos cr\u00e9anciers. Vous demandez \u00e0 votre cr\u00e9ancier de cesser de proc\u00e9der par (...)<\/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\" 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221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h4 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" data-wp-interactive=\"fbf\/carousel\" 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Consulter ses comptes, effectuer un virement ou r\u00e9gler un achat en ligne (...)<\/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>Tr\u00e8s pratique pour r\u00e9gler des factures, ce mode de paiement est harmonis\u00e9 au niveau europ\u00e9en sous l'appellation \"pr\u00e9l\u00e8vement SEPA\" et permet aujourd'hui de payer en euros dans l'Union europ\u00e9enne ainsi qu'en Islande, en Norv\u00e8ge, au Liechtenstein, en Suisse, \u00e0 Monaco et \u00e0 Saint-Marin. Comment mettre en place un pr\u00e9l\u00e8vement SEPA ? Le pr\u00e9l\u00e8vement SEPA repose [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":5144,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":11,"views":37361,"viewed_at":"1778493279","newsletter":"0","_yoast_wpseo_primary_category":177,"footnotes":""},"categories":[173,59,190,177,119,270,20],"tags":[],"class_list":["post-544","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debut-dans-la-vie-active","category-jai-des-enfants","category-le-compte-a-vue","category-le-prelevement","category-les-virements-prelevements-et-tip-sepa","category-mes-moments-de-vie","category-mes-moyens-de-paiement"],"yoast_head":"<title>Payer par pr\u00e9l\u00e8vement SEPA - Le pr\u00e9l\u00e8vement - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Tr\u00e8s pratique pour r\u00e9gler des factures, ce mode de paiement est harmonis\u00e9 au niveau europ\u00e9en sous l&#039;appellation &quot;pr\u00e9l\u00e8vement SEPA&quot;.\" \/>\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\/payer-par-prelevement-sepa\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Payer par pr\u00e9l\u00e8vement SEPA - 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