L\u2019Europe impose enfin les virements instantan\u00e9s gratuits pour toutes les banques<\/title>\n<meta name=\"description\" content=\"\u00c7a y est, apr\u00e8s plusieurs mois d\u2019attente, les banques vont enfin devoir rendre tous les virements instantan\u00e9s pour les clients.\" \/>\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.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u2019Europe impose enfin les virements instantan\u00e9s gratuits pour toutes les banques\" \/>\n<meta property=\"og:description\" content=\"\u00c7a y est, apr\u00e8s plusieurs mois d\u2019attente, les banques vont enfin devoir rendre tous les virements instantan\u00e9s pour les clients.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html\" \/>\n<meta property=\"og:site_name\" content=\"PhonAndroid\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/phonandroid\" \/>\n<meta property=\"article:published_time\" content=\"2024-02-09T07:10:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-09T06:18:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/wp-pa.phonandroid.com\/uploads\/2024\/02\/Virement-bancaire.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"750\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"William Zimmer\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@iWilliiam\" \/>\n<meta name=\"twitter:site\" content=\"@phonandroid\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"William Zimmer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html\"},\"author\":{\"name\":\"William Zimmer\",\"@id\":\"https:\/\/www.phonandroid.com\/#\/schema\/person\/fef31779c56c756599cab3d0ddb24e31\"},\"headline\":\"L\u2019Europe impose enfin les virements instantan\u00e9s gratuits pour toutes les banques\",\"datePublished\":\"2024-02-09T07:10:33+00:00\",\"dateModified\":\"2024-02-09T06:18:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html\"},\"wordCount\":498,\"commentCount\":4,\"publisher\":{\"@id\":\"https:\/\/www.phonandroid.com\/#organization\"},\"articleSection\":[\"Economie\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html#respond\"]}],\"copyrightYear\":\"2024\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.phonandroid.com\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html\",\"url\":\"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html\",\"name\":\"L\u2019Europe impose enfin les virements instantan\u00e9s gratuits pour toutes les banques\",\"isPartOf\":{\"@id\":\"https:\/\/www.phonandroid.com\/#website\"},\"datePublished\":\"2024-02-09T07:10:33+00:00\",\"dateModified\":\"2024-02-09T06:18:00+00:00\",\"description\":\"\u00c7a y est, apr\u00e8s plusieurs mois d\u2019attente, les banques vont enfin devoir rendre tous les virements instantan\u00e9s pour les clients.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.phonandroid.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"L\u2019Europe impose enfin les virements instantan\u00e9s gratuits pour toutes les banques\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.phonandroid.com\/#website\",\"url\":\"https:\/\/www.phonandroid.com\/\",\"name\":\"PhonAndroid\",\"description\":\"PhonAndroid\",\"publisher\":{\"@id\":\"https:\/\/www.phonandroid.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.phonandroid.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.phonandroid.com\/#organization\",\"name\":\"PhonAndroid\",\"url\":\"https:\/\/www.phonandroid.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.phonandroid.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.phonandroid.com\/wp-content\/themes\/phonadroid-v3\/assets\/images\/lg-phonandroid-amp-4.png\",\"contentUrl\":\"https:\/\/img.phonandroid.com\/2023\/06\/dark.png\",\"width\":280,\"height\":60,\"caption\":\"PhonAndroid\"},\"image\":{\"@id\":\"https:\/\/www.phonandroid.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/phonandroid\",\"https:\/\/twitter.com\/phonandroid\",\"https:\/\/www.youtube.com\/user\/Phonandroidtv\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.phonandroid.com\/#\/schema\/person\/fef31779c56c756599cab3d0ddb24e31\",\"name\":\"William Zimmer\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.phonandroid.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/43e75406ee28c2e75bbb7008841168f7?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/43e75406ee28c2e75bbb7008841168f7?s=96&d=mm&r=g\",\"caption\":\"William Zimmer\"},\"description\":\"Baign\u00e9 dans les nouvelles technologies depuis mon plus jeune \u00e2ge, j\u2019adore me tenir au courant de l\u2019actualit\u00e9. Joueur dans l\u2019\u00e2me, je suis un fervent d\u00e9fenseur du Cloud Gaming. Sinon, j\u2019adore voyager aux quatre coins du monde et binge-watcher des s\u00e9ries.\",\"sameAs\":[\"https:\/\/twitter.com\/iWilliiam\"],\"url\":\"https:\/\/www.phonandroid.com\/author\/williamzimmer\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"L\u2019Europe impose enfin les virements instantan\u00e9s gratuits pour toutes les banques","description":"\u00c7a y est, apr\u00e8s plusieurs mois d\u2019attente, les banques vont enfin devoir rendre tous les virements instantan\u00e9s pour les clients.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html","og_locale":"fr_FR","og_type":"article","og_title":"L\u2019Europe impose enfin les virements instantan\u00e9s gratuits pour toutes les banques","og_description":"\u00c7a y est, apr\u00e8s plusieurs mois d\u2019attente, les banques vont enfin devoir rendre tous les virements instantan\u00e9s pour les clients.","og_url":"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html","og_site_name":"PhonAndroid","article_publisher":"https:\/\/www.facebook.com\/phonandroid","article_published_time":"2024-02-09T07:10:33+00:00","article_modified_time":"2024-02-09T06:18:00+00:00","og_image":[{"width":1200,"height":750,"url":"https:\/\/wp-pa.phonandroid.com\/uploads\/2024\/02\/Virement-bancaire.jpg","type":"image\/jpeg"}],"author":"William Zimmer","twitter_card":"summary_large_image","twitter_creator":"@iWilliiam","twitter_site":"@phonandroid","twitter_misc":{"Written by":"William Zimmer","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html#article","isPartOf":{"@id":"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html"},"author":{"name":"William Zimmer","@id":"https:\/\/www.phonandroid.com\/#\/schema\/person\/fef31779c56c756599cab3d0ddb24e31"},"headline":"L\u2019Europe impose enfin les virements instantan\u00e9s gratuits pour toutes les banques","datePublished":"2024-02-09T07:10:33+00:00","dateModified":"2024-02-09T06:18:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html"},"wordCount":498,"commentCount":4,"publisher":{"@id":"https:\/\/www.phonandroid.com\/#organization"},"articleSection":["Economie"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html#respond"]}],"copyrightYear":"2024","copyrightHolder":{"@id":"https:\/\/www.phonandroid.com\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html","url":"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html","name":"L\u2019Europe impose enfin les virements instantan\u00e9s gratuits pour toutes les banques","isPartOf":{"@id":"https:\/\/www.phonandroid.com\/#website"},"datePublished":"2024-02-09T07:10:33+00:00","dateModified":"2024-02-09T06:18:00+00:00","description":"\u00c7a y est, apr\u00e8s plusieurs mois d\u2019attente, les banques vont enfin devoir rendre tous les virements instantan\u00e9s pour les clients.","breadcrumb":{"@id":"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.phonandroid.com\/"},{"@type":"ListItem","position":2,"name":"L\u2019Europe impose enfin les virements instantan\u00e9s gratuits pour toutes les banques"}]},{"@type":"WebSite","@id":"https:\/\/www.phonandroid.com\/#website","url":"https:\/\/www.phonandroid.com\/","name":"PhonAndroid","description":"PhonAndroid","publisher":{"@id":"https:\/\/www.phonandroid.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.phonandroid.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.phonandroid.com\/#organization","name":"PhonAndroid","url":"https:\/\/www.phonandroid.com\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.phonandroid.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.phonandroid.com\/wp-content\/themes\/phonadroid-v3\/assets\/images\/lg-phonandroid-amp-4.png","contentUrl":"https:\/\/img.phonandroid.com\/2023\/06\/dark.png","width":280,"height":60,"caption":"PhonAndroid"},"image":{"@id":"https:\/\/www.phonandroid.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/phonandroid","https:\/\/twitter.com\/phonandroid","https:\/\/www.youtube.com\/user\/Phonandroidtv"]},{"@type":"Person","@id":"https:\/\/www.phonandroid.com\/#\/schema\/person\/fef31779c56c756599cab3d0ddb24e31","name":"William Zimmer","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.phonandroid.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/43e75406ee28c2e75bbb7008841168f7?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/43e75406ee28c2e75bbb7008841168f7?s=96&d=mm&r=g","caption":"William Zimmer"},"description":"Baign\u00e9 dans les nouvelles technologies depuis mon plus jeune \u00e2ge, j\u2019adore me tenir au courant de l\u2019actualit\u00e9. Joueur dans l\u2019\u00e2me, je suis un fervent d\u00e9fenseur du Cloud Gaming. Sinon, j\u2019adore voyager aux quatre coins du monde et binge-watcher des s\u00e9ries.","sameAs":["https:\/\/twitter.com\/iWilliiam"],"url":"https:\/\/www.phonandroid.com\/author\/williamzimmer"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.phonandroid.com\/wp-json\/wp\/v2\/posts\/2575752","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.phonandroid.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.phonandroid.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.phonandroid.com\/wp-json\/wp\/v2\/users\/121"}],"replies":[{"embeddable":true,"href":"https:\/\/www.phonandroid.com\/wp-json\/wp\/v2\/comments?post=2575752"}],"version-history":[{"count":16,"href":"https:\/\/www.phonandroid.com\/wp-json\/wp\/v2\/posts\/2575752\/revisions"}],"predecessor-version":[{"id":2575754,"href":"https:\/\/www.phonandroid.com\/wp-json\/wp\/v2\/posts\/2575752\/revisions\/2575754"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.phonandroid.com\/wp-json\/wp\/v2\/media\/2575753"}],"wp:attachment":[{"href":"https:\/\/www.phonandroid.com\/wp-json\/wp\/v2\/media?parent=2575752"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.phonandroid.com\/wp-json\/wp\/v2\/categories?post=2575752"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.phonandroid.com\/wp-json\/wp\/v2\/tags?post=2575752"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

{"id":2575752,"date":"2024-02-09T08:10:33","date_gmt":"2024-02-09T07:10:33","guid":{"rendered":"https:\/\/www.phonandroid.com\/?p=2575752"},"modified":"2024-02-09T07:18:00","modified_gmt":"2024-02-09T06:18:00","slug":"leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques","status":"publish","type":"post","link":"https:\/\/www.phonandroid.com\/leurope-impose-enfin-les-virements-instantanes-gratuits-pour-toutes-les-banques.html","title":{"rendered":"L\u2019Europe impose enfin les virements instantan\u00e9s gratuits pour toutes les banques"},"content":{"rendered":"

\u00c7a y est, apr\u00e8s plusieurs mois d\u2019attente, les banques vont enfin devoir rendre tous les virements instantan\u00e9s pour les clients, et ceux-ci devront surtout \u00eatre propos\u00e9s sans frais suppl\u00e9mentaires.<\/strong><\/p>\n

\"Virement
Cr\u00e9dit : 123RF<\/figcaption><\/figure>\n

L'Union europ\u00e9enne a adopt\u00e9 un nouveau r\u00e8glement qui rendra les virements bancaires plus rapides<\/a> et plus s\u00fbrs pour les consommateurs et les entreprises de l'Union. Ce r\u00e8glement, qui actualise les r\u00e8gles de l'espace unique de paiement en euros (SEPA), imposera aux banques et aux autres prestataires de services de paiement (PSP) de veiller \u00e0 ce que les virements soient trait\u00e9s dans un d\u00e9lai de dix secondes, quelle que soit l'heure ou la journ\u00e9e.<\/strong><\/p>\n

Le nouveau r\u00e8glement vise \u00e0 \u00e9liminer les retards et \u00e0 am\u00e9liorer la s\u00e9curit\u00e9 des transferts de fonds, en particulier pour les petites et moyennes entreprises (PME) qui d\u00e9pendent de la rapidit\u00e9 des paiements.<\/strong> Selon le r\u00e8glement, les payeurs et les destinataires doivent recevoir la confirmation de la disponibilit\u00e9 des fonds transf\u00e9r\u00e9s dans le m\u00eame d\u00e9lai de dix secondes. Le r\u00e8glement s'applique \u00e9galement aux \u00c9tats membres dont la monnaie n'est pas l'euro et qui effectuent r\u00e9guli\u00e8rement des transactions en euros, avec une p\u00e9riode de transition plus longue et une exemption temporaire pour les comptes ouverts en dehors des heures de bureau.<\/strong><\/p>\n