{"id":820,"date":"2020-08-07T00:00:00","date_gmt":"2020-08-06T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2012\/08\/07\/le-jour-de-valeur-ou-date-de-valeur\/"},"modified":"2021-12-14T16:19:10","modified_gmt":"2021-12-14T14:19:10","slug":"le-jour-de-valeur-ou-date-de-valeur","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/le-jour-de-valeur-ou-date-de-valeur\/","title":{"rendered":"Le jour de valeur (ou date de valeur)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Le jour de valeur est la date retenue pour le calcul des int\u00e9r\u00eats, (d\u00e9biteurs ou cr\u00e9diteurs). Il ne co\u00efncide pas forc\u00e9ment avec la date d'op\u00e9ration. Il est important de le savoir quand on a un budget serr\u00e9 pour \u00e9viter les incidents et les d\u00e9passements de d\u00e9couvert.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu'est-ce qu'un jour de valeur ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Il faut distinguer la date d'op\u00e9ration et le jour de valeur (ou date de valeur).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La date d'op\u00e9ration peut d\u00e9pendre du jour et de l'heure du d\u00e9p\u00f4t, voire \u00e9ventuellement du canal utilis\u00e9 (guichet, automate\u2026). Votre banque pourra vous pr\u00e9ciser la r\u00e8gle. Elle peut \u00eatre report\u00e9e au lendemain lorsqu'une op\u00e9ration est parvenue trop tardivement \u00e0 la banque pour pouvoir \u00eatre enregistr\u00e9e le jour m\u00eame.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le jour de valeur est la date retenue pour le calcul des int\u00e9r\u00eats.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il existe parfois un d\u00e9calage entre ces deux dates, selon le temps n\u00e9cessaire au traitement des op\u00e9rations. Pour les budgets serr\u00e9s, ma\u00eetriser cette date peut \u00e9viter les incidents et les r\u00e9clamations. Conna\u00eetre la r\u00e8gle du jour de valeur permet aussi de v\u00e9rifier que la banque a appliqu\u00e9 le bon jour de valeur.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Comment conna\u00eetre le jour de valeur ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les d\u00e9lais sont r\u00e9glement\u00e9s en France et sont pr\u00e9cis\u00e9s dans votre convention de compte :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un ch\u00e8que en euros :<br>Le jour de valeur ne peut diff\u00e9rer de plus d' 1 jour ouvr\u00e9 de la date d'op\u00e9ration sur un compte de d\u00e9p\u00f4t, quelle que soit la qualit\u00e9 du titulaire du compte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour les autres paiements :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>la date de valeur pour un cr\u00e9dit en compte ne peut \u00eatre post\u00e9rieure \u00e0 celle du jour ouvrable au cours duquel l'op\u00e9ration est cr\u00e9dit\u00e9e sur le compte de votre banque.<\/li><li>la date de valeur pour un d\u00e9bit en compte ne peut \u00eatre ant\u00e9rieure au jour o\u00f9 le montant de l'op\u00e9ration de paiement est d\u00e9bit\u00e9 de ce compte.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pour des esp\u00e8ces :<br>Si, n'agissant pas pour des besoins professionnels, vous versez des esp\u00e8ces sur votre compte, dans la devise de ce compte, la banque veille \u00e0 ce que le montant soit mis \u00e0 disposition et re\u00e7oive un jour de valeur aussit\u00f4t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Exemple : Le solde de votre compte bancaire est \u00e0 0 et le 15 f\u00e9vrier :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>vous d\u00e9posez \u00e0 l'encaissement un ch\u00e8que d'un montant de 500 euros,<\/li><li>et au m\u00eame moment passe en compte le ch\u00e8que de 500 euros que vous avez fait pour payer votre facture Internet.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Les deux op\u00e9rations ont \u00e9t\u00e9 effectu\u00e9es le 15 f\u00e9vrier.<br>Le ch\u00e8que que vous avez encaiss\u00e9 est cr\u00e9dit\u00e9 en valeur le 16.<br>Le ch\u00e8que que vous avez fait est d\u00e9bit\u00e9 en valeur le 14 f\u00e9vrier.<br>En valeur, le compte est ainsi d\u00e9bit\u00e9 avant d'\u00eatre cr\u00e9dit\u00e9 : Pendant 2 jours, votre compte est donc d\u00e9biteur \u00e0 hauteur de 500 euros et vous devez donc payer des agios pour ces 2 jours.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour aller plus loin : <\/p>\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 - d\u00e9lai d'ex\u00e9cution des paiements et date de valeur aux articles L 133-12 et s. Code mon\u00e9taire et financier<\/a><\/li><li><a target=\"_blank\" href=\"http:\/\/www.legifrance.gouv.fr\/affichCode.do?cidTexte=LEGITEXT000006072026\" rel=\"noreferrer noopener\">Legifrance - date de valeur pour le ch\u00e8que \u00e0 l'article L 131-1-1 Code mon\u00e9taire et financier<\/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\" 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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\">C&#039;est quoi une convention de 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;:618,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/la-provision-en-compte\/&quot;,&quot;title&quot;:&quot;La provision en compte&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/provision-_BD-150x150.jpg&quot;,&quot;likes&quot;:5}\"\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=\"618\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/la-provision-en-compte\/\"\n         data-title=\"La provision en compte\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n            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<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\">5 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-mon-budget\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Hors-s\u00e9rie<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Ma\u00eetriser mon budget<\/span>\n                <\/h3>\n                                <p class=\"card__article\">G\u00e9rer son budget peut sembler fastidieux, on ne sait pas toujours comment proc\u00e9der, par o\u00f9 commencer, ni quels outils utiliser. C\u2019est pourtant particuli\u00e8rement utile pour (...)<\/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>Le jour de valeur est la date retenue pour le calcul des int\u00e9r\u00eats, (d\u00e9biteurs ou cr\u00e9diteurs). Il ne co\u00efncide pas forc\u00e9ment avec la date d'op\u00e9ration. Il est important de le savoir quand on a un budget serr\u00e9 pour \u00e9viter les incidents et les d\u00e9passements de d\u00e9couvert. Qu'est-ce qu'un jour de valeur ? Il faut distinguer [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":4227,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":7,"views":47074,"viewed_at":"1778489937","newsletter":"0","_yoast_wpseo_primary_category":220,"footnotes":""},"categories":[220,129,11],"tags":[],"class_list":["post-820","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-le-suivi-du-compte","category-mon-compte","category-utiliser-mon-compte"],"yoast_head":"<title>Le jour de valeur (ou date de valeur) - Le suivi du compte - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Le jour de valeur est la date retenue pour le calcul des int\u00e9r\u00eats, (d\u00e9biteurs ou cr\u00e9diteurs). 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