{"id":91877,"date":"2026-03-30T15:37:32","date_gmt":"2026-03-30T15:37:32","guid":{"rendered":"https:\/\/mybusinessfuture.com\/ue-virements-en-temps-reel-obligatoires\/"},"modified":"2026-06-10T14:11:29","modified_gmt":"2026-06-10T14:11:29","slug":"ue-virements-en-temps-reel-obligatoires","status":"publish","type":"post","link":"https:\/\/mybusinessfuture.com\/fr\/ue-virements-en-temps-reel-obligatoires\/","title":{"rendered":"L\u2019UE rend les virements en temps r\u00e9el obligatoires"},"content":{"rendered":"<p style=\"color:#6190a9;font-size:0.9em;margin:0 0 16px;padding:0;\">Temps de lecture : 2 min<\/p>\n<p><strong>Les virements en temps r\u00e9el ne sont pas encore tr\u00e8s r\u00e9pandus, principalement en raison de leurs frais parfois \u00e9lev\u00e9s, mais ils s\u2019av\u00e8rent parfois indispensables. Ce sont surtout des prestataires de services financiers comme PayPal ou Klarna qui en tirent profit. Les banques traditionnelles pourraient bient\u00f4t leur faire concurrence : d\u2019ici peu, elles devront traiter les virements imm\u00e9diats comme des virements classiques.<\/strong><\/p>\n<div style=\"background:#fff5f5;border-left:4px solid #c0392b;padding:16px 20px;margin:20px 0;border-radius:4px;\">\n<h2 style=\"margin-top:64px;margin-bottom:20px;padding-top:16px;\">L\u2019essentiel en bref<\/h2>\n<ul>\n<li>Dossier de sant\u00e9 \u00e9lectronique<\/li>\n<li>Virements en temps r\u00e9el \u00e0 partir de 2025<\/li>\n<li>Aucuns frais suppl\u00e9mentaires<\/li>\n<li>Virement en temps r\u00e9el en 10 secondes<\/li>\n<li>V\u00e9rification automatique des IBAN<\/li>\n<\/ul>\n<\/div>\n<p>&nbsp;<\/p>\n<p>De nouvelles dispositions entreront en vigueur en Allemagne d\u00e8s le d\u00e9but de l\u2019ann\u00e9e. Parmi elles figurent notamment la mise en place du dossier de sant\u00e9 \u00e9lectronique (DSE) et la possibilit\u00e9 d\u2019effectuer des virements imm\u00e9diats sans frais suppl\u00e9mentaires. Ces mesures s\u2019inscrivent dans le cadre d\u2019une proposition l\u00e9gislative pr\u00e9sent\u00e9e il y a deux ans et approuv\u00e9e par le Parlement europ\u00e9en en f\u00e9vrier 2024. Elle entrera progressivement en application \u00e0 compter du 9 janvier 2025 : lors de la premi\u00e8re phase, les banques ne seront tenues que de recevoir des virements en temps r\u00e9el. \u00c0 partir d\u2019octobre 2025, elles devront \u00e9galement \u00eatre en mesure d\u2019en assurer l\u2019envoi en temps r\u00e9el sur le territoire national. Enfin, \u00e0 partir de 2027, cette obligation s\u2019\u00e9tendra \u00e0 l\u2019ensemble de l\u2019Union europ\u00e9enne  &#8211;  y compris aux transferts transfrontaliers hors zone euro.<\/p>\n<p>&nbsp;<\/p>\n<p>Jusqu\u2019\u00e0 pr\u00e9sent, les banques pouvaient facturer des frais suppl\u00e9mentaires substantiels pour ce service, ce qui explique pourquoi, selon la Commission europ\u00e9enne, les virements en temps r\u00e9el ne repr\u00e9sentent encore que 11 % environ de l\u2019ensemble des transactions financi\u00e8res. Or la demande est nettement plus forte : chaque jour, pr\u00e8s de 200 milliards d\u2019euros restent bloqu\u00e9s en attente de traitement, souligne la Commission. Cette latence profite surtout \u00e0 des prestataires de services financiers tels que PayPal ou Klarna, qui proposent des virements instantan\u00e9s sans majoration.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"margin-top:64px;margin-bottom:20px;padding-top:16px;\">O\u00f9 est pass\u00e9e la s\u00e9curit\u00e9 ?<\/h2>\n<p><a href=\"https:\/\/www.heise.de\/news\/EU-macht-Echtzeitueberweisungen-zur-Pflicht-Das-aendert-sich-ab-9-Januar-10230025.html\">Selon heise online<\/a>, une virement en temps r\u00e9el ne doit d\u00e9sormais pas co\u00fbter plus cher qu\u2019un virement standard  &#8211;  il peut donc parfois \u00eatre enti\u00e8rement gratuit, alors que les \u00e9tablissements bancaires facturaient auparavant des frais parfois \u00e9lev\u00e9s.<\/p>\n<p>&nbsp;<\/p>\n<p>Par d\u00e9finition, un virement en temps r\u00e9el doit s\u2019effectuer dans un d\u00e9lai maximal de dix secondes et \u00eatre disponible 24 heures sur 24, sept jours sur sept, y compris les jours f\u00e9ri\u00e9s. Les deux parties concern\u00e9es  &#8211;  l\u2019\u00e9metteur et le b\u00e9n\u00e9ficiaire  &#8211;  re\u00e7oivent une confirmation imm\u00e9diate de la transaction, contrairement aux virements classiques, dont la validation peut prendre plusieurs jours.<\/p>\n<p>&nbsp;<\/p>\n<p>Pour \u00e9viter tout incident de s\u00e9curit\u00e9 ou tentative de fraude, un rapprochement automatique entre le num\u00e9ro IBAN et le nom du b\u00e9n\u00e9ficiaire devra \u00eatre effectu\u00e9 ; en cas de divergence, une alerte sera d\u00e9clench\u00e9e. En outre, il sera possible de plafonner les montants maximums autoris\u00e9s, comme cela se fait d\u00e9j\u00e0 pour les retraits aux distributeurs automatiques ou les op\u00e9rations courantes. La Commission europ\u00e9enne mise \u00e9galement sur des m\u00e9canismes en temps r\u00e9el afin de lutter contre le financement du terrorisme et le blanchiment d\u2019argent.<\/p>\n<p>&nbsp;<\/p>\n<p>Toutefois, les associations de consommateurs consid\u00e8rent les virements en temps r\u00e9el comme une possible br\u00e8che exploit\u00e9e par les criminels : contrairement aux virements standards, ils rendent en effet le remboursement quasi impossible ou totalement illusoire. La Centrale des consommateurs de Rh\u00e9nanie-du-Nord-Westphalie recommande d\u00e8s lors une vigilance accrue lors des op\u00e9rations bancaires en ligne et rappelle qu\u2019il ne faut surtout pas cliquer sur les liens contenus dans des courriels pr\u00e9tendument envoy\u00e9s par sa banque.<\/p>\n<h2 style=\"margin-top:64px;margin-bottom:20px;padding-top:16px;\">Questions fr\u00e9quentes<\/h2>\n<details style=\"border:1px solid #ddd;padding:16px;background:#fff;\">\n<summary><strong>Qu\u2019est-ce que le dossier m\u00e9dical \u00e9lectronique ?<\/strong><\/summary>\n<p style=\"margin:8px 0 4px 24px;color:#555;line-height:1.8;\">Le dossier m\u00e9dical \u00e9lectronique est une innovation qui entrera en vigueur au cours de la nouvelle ann\u00e9e. Il permet aux citoyens de stocker et de g\u00e9rer num\u00e9riquement leurs donn\u00e9es de sant\u00e9.<\/p>\n<\/details>\n<details style=\"border:1px solid #ddd;padding:16px;background:#fff;\">\n<summary><strong>Qu\u2019est-ce qu\u2019un virement en temps r\u00e9el ?<\/strong><\/summary>\n<p style=\"margin:8px 0 4px 24px;color:#555;line-height:1.8;\">Un virement en temps r\u00e9el est une op\u00e9ration financi\u00e8re ex\u00e9cut\u00e9e en moins de dix secondes, disponible 24 heures sur 24 et 365 jours par an. Les deux parties concern\u00e9es re\u00e7oivent une confirmation imm\u00e9diate de l\u2019op\u00e9ration.<\/p>\n<\/details>\n<details style=\"border:1px solid #ddd;padding:16px;background:#fff;\">\n<summary><strong>Quel niveau de s\u00e9curit\u00e9 offrent les virements en temps r\u00e9el ?<\/strong><\/summary>\n<p style=\"margin:8px 0 4px 24px;color:#555;line-height:1.8;\">Les virements en temps r\u00e9el sont s\u00e9curis\u00e9s par une v\u00e9rification automatique de la correspondance entre le num\u00e9ro IBAN et le nom du b\u00e9n\u00e9ficiaire. En cas d\u2019incoh\u00e9rence d\u00e9tect\u00e9e, un avertissement s\u2019affiche. Par ailleurs, des plafonds peuvent \u00eatre fix\u00e9s  &#8211;  comme pour les retraits aux distributeurs ou les virements classiques  &#8211;  afin de limiter les montants transf\u00e9rables.<\/p>\n<\/details>\n<details style=\"border:1px solid #ddd;padding:16px;background:#fff;\">\n<summary><strong>Que recommandent les associations de consommateurs ?<\/strong><\/summary>\n<p style=\"margin:8px 0 4px 24px;color:#555;line-height:1.8;\">Les associations de consommateurs appellent \u00e0 une vigilance accrue lors des op\u00e9rations bancaires en ligne et d\u00e9conseillent formellement de cliquer sur des liens contenus dans des courriels pr\u00e9tendument envoy\u00e9s par des \u00e9tablissements bancaires, car les virements en temps r\u00e9el pourraient constituer une faille exploit\u00e9e par les cybercriminels.<\/p>\n<\/details>\n<details style=\"border:1px solid #ddd;padding:16px;background:#fff;\">\n<summary><strong>\u00c0 partir de quand les virements en temps r\u00e9el deviendront-ils obligatoires ?<\/strong><\/summary>\n<p style=\"margin:8px 0 4px 24px;color:#555;line-height:1.8;\">Les virements en temps r\u00e9el deviendront obligatoires \u00e0 l\u2019\u00e9chelle nationale \u00e0 compter d\u2019octobre 2025, puis dans l\u2019ensemble de l\u2019Union europ\u00e9enne \u00e0 partir de 2027  &#8211;  y compris pour les transactions transfrontali\u00e8res hors zone euro.<\/p>\n<\/details>\n<h2 style=\"margin-top:64px;margin-bottom:20px;padding-top:16px\">Suggestions de lecture r\u00e9dig\u00e9es par notre r\u00e9daction<\/h2>\n<ul>\n<li><a href=\"https:\/\/mybusinessfuture.com\/fr\/qualite-des-donnees-dans-les-pme-pourquoi-lia-echoue-sans-donnees-propres\/\">Qualit\u00e9 des donn\u00e9es dans les petites et moyennes entreprises : pourquoi l\u2019intelligence artificielle \u00e9choue sans donn\u00e9es fiables<\/a><\/li>\n<li><a href=\"https:\/\/mybusinessfuture.com\/fr\/plateformes-b2b-pourquoi-les-places-de-marche-transforment-la-vente\/\">Plateformes B2B : pourquoi les places de march\u00e9 transforment le commerce<\/a><\/li>\n<li><a href=\"https:\/\/mybusinessfuture.com\/fr\/assurance-cyber-pour-les-pme-ce-qui-est-reellement-couvert\/\">Assurance cyber pour les PME : ce qui est r\u00e9ellement couvert<\/a><\/li>\n<\/ul>\n<h2 style=\"margin-top:64px;margin-bottom:20px;padding-top:16px;\">D\u2019autres publications du r\u00e9seau m\u00e9dia MBF<\/h2>\n<p><a href=\"https:\/\/www.cloudmagazin.com\" target=\"_blank\">Cloud Magazin<\/a> | <a href=\"https:\/\/www.securitytoday.de\" target=\"_blank\">Security Today<\/a> | <a href=\"https:\/\/www.digital-chiefs.de\" target=\"_blank\">Digital Chiefs<\/a><\/p>\n<p style=\"text-align: right;line-height:1.8;\"><em>Cr\u00e9dit photo de la une : Unsplash \/ CardMapr.nl<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Une nouvelle loi europ\u00e9enne rendra bient\u00f4t les virements en temps r\u00e9el obligatoires pour les banques.<\/p>\n","protected":false},"author":160,"featured_media":85509,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_focuskw":"virements en temps r\u00e9el","_yoast_wpseo_title":"Virements en temps r\u00e9el: Guide des nouvelles r\u00e8gles de l'UE","_yoast_wpseo_metadesc":"Une nouvelle loi europ\u00e9enne oblige les banques \u00e0 proposer des virements en temps r\u00e9el, comme PayPal et Klarna, sans surco\u00fbt 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