{"id":6774,"date":"2025-09-16T12:00:00","date_gmt":"2025-09-16T10:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/?post_type=videos&#038;p=6774"},"modified":"2026-07-02T11:24:38","modified_gmt":"2026-07-02T09:24:38","slug":"offre-specifique-incidents-bancaires","status":"publish","type":"videos","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/videos\/offre-specifique-incidents-bancaires\/","title":{"rendered":"L'offre sp\u00e9cifique pour ma\u00eetriser son compte en cas d'incidents bancaires"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Si votre&nbsp;fragilit\u00e9 financi\u00e8re est identifi\u00e9e par la banque, elle&nbsp;vous propose l'offre sp\u00e9cifique afin de&nbsp;vous aider \u00e0&nbsp;mieux g\u00e9rer votre compte. Cette offre comprend&nbsp;des produits et services bancaires adapt\u00e9s et limite les frais en cas d'incidents. Les banques la proposent souvent gratuitement ou \u00e0 1 \u20ac\/ mois (en de\u00e7\u00e0 du plafond r\u00e9glementaire fix\u00e9 \u00e0 3 euros).<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\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\/K57CtULfmiQ?feature=oembed\" data-wp-watch=\"callbacks.syncIframe\" loading=\"lazy\" title=\"L&amp;apos;offre sp\u00e9cifique pour ma\u00eetriser son compte en cas d&amp;apos;incidents bancaires\" 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 href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/09\/Transcription-Offre-specifique.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Transcription<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En France, 4,3 millions* de personnes sont identifi\u00e9es en situation de <strong>fragilit\u00e9 financi\u00e8re<\/strong>. Mais c\u2019est quoi \u00eatre en situation de fragilit\u00e9 financi\u00e8re ?<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>\u00catre inscrit depuis 3 mois au Fichier Central des Ch\u00e8ques (FCC) pour <strong>ch\u00e8que impay\u00e9 ou retrait de carte<\/strong> ;<\/li><li>Ou avoir d\u00e9pos\u00e9 <strong>un dossier de surendettement<\/strong> d\u00e9clar\u00e9 recevable ou accept\u00e9 ;<\/li><li>Avoir <strong>des irr\u00e9gularit\u00e9s sur son compte bancaire<\/strong> ou des <strong>incidents de paiement r\u00e9p\u00e9t\u00e9s<\/strong>\u2026<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour les aider, les banques proposent syst\u00e9matiquement une \u00ab <strong>offre sp\u00e9cifique<\/strong> \u00bb. Cette offre aide \u00e0 <strong>optimiser la gestion du budget<\/strong> et \u00e0 retrouver une situation financi\u00e8re saine. Les banques la facturent bien souvent moins cher que le <strong>plafond r\u00e9glementaire de 3\u20ac\/mois<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elle comprend des moyens de paiement adapt\u00e9s qui limitent les risques d\u2019incidents. <strong>L\u2019offre sp\u00e9cifique limite les frais d\u2019incidents \u00e0 20\u20ac\/mois et 200\u20ac\/an<\/strong>. Les banques appliquent souvent un plafond encore plus bas pour ces clients.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fin 2023, plus d\u20191 million de personnes ont souscrit l\u2019offre sp\u00e9cifique (+24% en 1 an, +168% depuis 2018*).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pensez \u00eatre en situation de fragilit\u00e9 financi\u00e8re ? <strong>Contactez votre banque<\/strong> pour b\u00e9n\u00e9ficier de cette offre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">*Rapport annuel de l\u2019Observatoire de l\u2019inclusion bancaire 2023<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de la vid\u00e9o \"L'offre sp\u00e9cifique pour ma\u00eetriser son compte en cas d'incidents bancaires\"<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.economie.gouv.fr\/particuliers\/offre-bancaire-fragilite-financiere\" target=\"_blank\">Fragilit\u00e9 financi\u00e8re : une offre bancaire sp\u00e9cifique pour vous aider - economie.gouv.fr<\/a><\/li><li><a href=\"https:\/\/www.banque-france.fr\/system\/files\/2025-03\/10_ans_de_l_OIB_FR_0.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Les 10 ans de l'Observatoire de l'inclusion bancaire <\/a><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\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                    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\" data-wp-context=\"{&quot;perView&quot;:4,&quot;perViewTablet&quot;:2,&quot;perViewMobile&quot;:1,&quot;scroll&quot;:1,&quot;loop&quot;:true}\" data-wp-init=\"callbacks.init\"><div class=\"carousel__cards cards\" data-carousel-track><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;:101,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/offre-specifique-fragilite-financiere\/&quot;,&quot;title&quot;:&quot;L\\u0027offre sp\u00e9cifique en cas de situation de fragilit\u00e9 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Elle facilite la bonne gestion du compte gr\u00e2ce \u00e0 des produits et services bancaires (...)<\/p>\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;:291,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/solutions-fragilite-financiere\/&quot;,&quot;title&quot;:&quot;Des solutions pour les personnes en situation de fragilit\u00e9 financi\u00e8re&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:56}\"\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=\"291\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/solutions-fragilite-financiere\/\"\n         data-title=\"Des solutions pour les personnes en situation de fragilit\u00e9 financi\u00e8re\">\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\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/solutions-fragilite-financiere\/\">\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\">Des solutions pour les personnes en situation de fragilit\u00e9 financi\u00e8re<\/span>\n                <\/h3>\n                                <p class=\"card__article\">La banque accompagne ses clients dans les bons moments mais aussi en cas de difficult\u00e9s. En d\u00e9tectant une situation de fragilit\u00e9 financi\u00e8re, elle peut proposer des solutions (...)<\/p>\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;:332,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-procedure-surendettement\/&quot;,&quot;title&quot;:&quot;La proc\u00e9dure de surendettement&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:43}\"\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=\"332\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-procedure-surendettement\/\"\n         data-title=\"La proc\u00e9dure de surendettement\">\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\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-procedure-surendettement\/\">\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\">La proc\u00e9dure de surendettement<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Vous rencontrez des difficult\u00e9s pour r\u00e9gler vos d\u00e9penses et rembourser vos cr\u00e9dits\u2026 vos dettes augmentent ? N\u2019attendez pas : adressez-vous \u00e0 la Banque de France de votre (...)<\/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>Si votre&nbsp;fragilit\u00e9 financi\u00e8re est identifi\u00e9e par la banque, elle&nbsp;vous propose l'offre sp\u00e9cifique afin de&nbsp;vous aider \u00e0&nbsp;mieux g\u00e9rer votre compte. Cette offre comprend&nbsp;des produits et services bancaires adapt\u00e9s et limite les frais en cas d'incidents. Les banques la proposent souvent gratuitement ou \u00e0 1 \u20ac\/ mois (en de\u00e7\u00e0 du plafond r\u00e9glementaire fix\u00e9 \u00e0 3 euros). Transcription [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":7744,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"likes":11,"views":3879,"viewed_at":"1778494901","newsletter":"1","_yoast_wpseo_primary_category":281,"footnotes":""},"categories":[289,4,281],"tags":[],"class_list":["post-6774","videos","type-videos","status-publish","has-post-thumbnail","hentry","category-videos-informatives","category-boite-a-outils","category-videos"],"yoast_head":"<title>L&#039;offre sp\u00e9cifique pour ma\u00eetriser son compte en cas d&#039;incidents bancaires - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"En cas de fragilit\u00e9 financi\u00e8re, la banque propose l&#039;offre sp\u00e9cifique : des services pour mieux g\u00e9rer son compte, limiter les frais, \u00e0 3\u20ac\/mois max.\" \/>\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\/videos\/offre-specifique-incidents-bancaires\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L&#039;offre sp\u00e9cifique pour ma\u00eetriser son compte en cas d&#039;incidents bancaires - 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