Maître Jessica KABORI

Avocat au barreau de Toulouse

Compétences : Droit immobilier, Droit des assurances, Droit des garanties, des sûretés et des mesures d'exécution, Droit du crédit et de la consommation

Barreau : Toulouse

Adresse : 76, allées Jean Jaurès - 7ème étage 31000 TOULOUSE

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Publié le 06/03/2026

Virement frauduleux ou mal exécuté : connaissez-vous le délai imparti pour agir auprès de votre banque

Article juridique - Droit bancaire et boursier

Par Me Jessica KABORI

Virement frauduleux ou mal exécuté : connaissez-vous le délai imparti pour agir auprès de votre banque

Les faits : dans cette affaire, en date du 05 et 06 mars 2019, deux virements ont été effectués à partir d’un compte ouvert dans les livres du CREDIT MUTUEL. Le 07 mars 2019, soit le lendemain, le titulaire du compte a notifié à la banque qu’il contestait être à l’origine de ces deux opérations et a demandé le remboursement des sommes débitées.

La procédure : L’établissement bancaire ayant opposé un refus, le titulaire du compte l’a assigné en paiement.

Par un arrêt en date du 02 juillet 2025, n°24-16.590, la Cour de cassation a rappelé que : « L’utilisateur de services de paiement signale, sans tarder, à son prestataire de services de paiement une opération de paiement non autorisée ou mal exécutée et au plus tard dans les treize (13) mois suivant la date de débit sous peine de forclusion » (article 133-24 du code monétaire et financier).

Bon à retenir : Le signalement à la banque d’une opération frauduleuse ou mal exécutée doit intervenir au plus tard dans un délai de treize (13) mois à compter de la date de débit. Cependant, le recours en justice en vue du remboursement des sommes débitées doit être intenté dans le délai quinquennal de droit commun.

Source : Cass. com, 02 juillet 2025, n°24-16.590

Fichier attaché