{"id":93,"date":"2021-04-10T00:00:00","date_gmt":"2021-04-09T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2020\/09\/10\/le-transfert-dun-produit-depargne\/"},"modified":"2026-07-07T14:03:20","modified_gmt":"2026-07-07T12:03:20","slug":"le-transfert-dun-produit-depargne","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/le-transfert-dun-produit-depargne\/","title":{"rendered":"Le transfert d'un produit d'\u00e9pargne"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Pour \u00e9viter la cl\u00f4ture, demandez simplement le transfert du compte ou du plan d'\u00e9pargne vers une autre banque. Ce transfert n\u00e9cessite l'accord des deux banques (actuelle et future), qui peuvent toujours refuser. Voici les d\u00e9marches \u00e0 effectuer.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">D\u00e9marches aupr\u00e8s de la banque actuelle<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Demandez par \u00e9crit le transfert du compte ou du plan en pr\u00e9cisant l'adresse de l'agence de la nouvelle banque.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La banque :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>fait une d\u00e9claration au fichier FICOBA, pour enregistrer le transfert,<\/li><li>calcule les int\u00e9r\u00eats et \u00e9ventuellement les droits \u00e0 prime ou \u00e0 pr\u00eat,<\/li><li>met \u00e0 jour les compteurs fiscaux,<\/li><li>transmet par \u00e9crit tous ces \u00e9l\u00e9ments \u00e0 la banque destinataire de fa\u00e7on tr\u00e8s pr\u00e9cise ; ces informations seront reprises s'il y a lieu dans le document \u00e9dit\u00e9 au moment des d\u00e9clarations fiscales (<a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/ifu-pour-quoi-faire\/\" target=\"_blank\" rel=\"noreferrer noopener\">IFU<\/a>).<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le transfert est souvent gratuit sauf pour les <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/pel-plan-epargne-logement\/\" target=\"_blank\" rel=\"noreferrer noopener\">PEL<\/a> et <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-cel-compte-epargne-logement\/\" target=\"_blank\" rel=\"noreferrer noopener\">CEL<\/a> pour lesquels la banque peut vous facturer des frais de transfert car il n\u00e9cessite plus d'interventions manuelles et de v\u00e9rifications qu'un simple virement. Les tarifs de votre banque pour ce type d'op\u00e9ration sont d\u00e9taill\u00e9s dans sa plaquette tarifaire et sur son site Internet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour les livrets r\u00e9glement\u00e9s (du type livret A, etc.), le transfert n'est pas possible car on ne peut pas d\u00e9tenir deux fois le m\u00eame produit. Il convient de proc\u00e9der en 3 \u00e9tapes : cl\u00f4turer le livret, faire proc\u00e9der au virement du solde et des int\u00e9r\u00eats sur le compte de votre choix, ouvrir un nouveau livret dans la banque de votre choix.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>D\u00e9marches aupr\u00e8s de la nouvelle banque<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La nouvelle banque inscrit le produit d'\u00e9pargne dans un compte dont elle vous communique le num\u00e9ro. Notez-le, il vous servira par exemple pour y effectuer des virements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le plus souvent, la nouvelle banque r\u00e9\u00e9dite votre contrat d'\u00e9pargne sans changement des conditions. Vous pouvez demander un suivi \u00e0 distance de votre produit d'\u00e9pargne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le transfert est une bonne occasion de vous interroger sur le montant de l'alimentation automatique que vous avez pu mettre en place. Vous avez la possibilit\u00e9 \u00e0 tout moment de le modifier.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>\u00c0 noter <\/strong>: Si vous avez transf\u00e9r\u00e9 des SICAV de votre ancienne banque, vous aurez sans doute des droits de garde \u00e0 payer alors que vous n'en aviez pas avant. La plupart des banques offrent en effet la gratuit\u00e9 (ou un tarif pr\u00e9f\u00e9rentiel) pour leurs propres SICAV (celles qu'elles \u00e9mettent).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Concernant les PER et les assurance-vie, un tableau standard regroupant les frais par cat\u00e9gorie (frais annuels de gestion, frais ponctuels d\u2019op\u00e9ration) est en ligne, \u00e0 compter du 1<sup>er<\/sup>&nbsp;juin 2022, sur le site de chaque producteur de PER ou d\u2019assurance vie. Le total des frais support\u00e9 par chaque unit\u00e9 de compte ou chaque actif sera d\u00e9sormais affich\u00e9, d\u00e8s le 1<sup>er<\/sup>&nbsp;juillet 2022 en mati\u00e8re d\u2019information pr\u00e9contractuelle et \u00e0 partir de 2023 pour l\u2019information annuelle (engagement du 2 f\u00e9vrier 2022 des professionnels \u00e0 renforcer la transparence des frais du PER et de l\u2019assurance vie).<\/p>\n\n\n\n<div style=\"height:63px\" 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                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            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href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-compte-depargne-inactif\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/compte-inactif-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/compte-inactif-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/compte-inactif-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/compte-inactif-_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\">La gestion des produits d&#039;\u00e9pargne<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le compte d&#039;\u00e9pargne inactif<\/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;:611,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/la-cloture-dun-produit-depargne\/&quot;,&quot;title&quot;:&quot;La cl\u00f4ture d\\u0027un produit 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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>Pour \u00e9viter la cl\u00f4ture, demandez simplement le transfert du compte ou du plan d'\u00e9pargne vers une autre banque. Ce transfert n\u00e9cessite l'accord des deux banques (actuelle et future), qui peuvent toujours refuser. Voici les d\u00e9marches \u00e0 effectuer. D\u00e9marches aupr\u00e8s de la banque actuelle Demandez par \u00e9crit le transfert du compte ou du plan en pr\u00e9cisant [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":5735,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":3,"views":10179,"viewed_at":"1778487668","newsletter":"0","_yoast_wpseo_primary_category":51,"footnotes":""},"categories":[50,51,276],"tags":[],"class_list":["post-93","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-la-gestion","category-la-gestion-des-produits-depargne","category-mon-epargne"],"yoast_head":"<title>Le transfert d&#039;un produit d&#039;\u00e9pargne - La gestion des produits d&#039;\u00e9pargne - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Pour \u00e9viter la cl\u00f4ture, demandez simplement le transfert du compte ou du plan d&#039;\u00e9pargne vers une autre banque.\" \/>\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\/le-transfert-dun-produit-depargne\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le transfert d&#039;un produit d&#039;\u00e9pargne - 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