Maître Amele FAOUSSI

Avocat au barreau de Paris

Compétences : Droit commercial, des affaires et de la concurrence, Droit bancaire et boursier, Droit du crédit et de la consommation, Droit de la propriété intellectuelle, Droit du numérique et des communications, Droit des sociétés, Droit pénal

Barreau : Paris

Adresse : 7 RUE MONTMARTRE 75001 PARIS

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Publié le 04/05/2023

Brèves Juridiques – La fragilité financière

Article juridique - Droit bancaire et boursier

Par Me Amele FAOUSSI

Brèves Juridiques – La fragilité financière

Le saviez-vous ?

Depuis 2014, il existe une offre bancaire spécifique pour les particuliers en situation de fragilité financière. Ce dispositif permet aux particuliers de bénéficier d’un compte bancaire aux services et tarifs adaptés afin de limiter les frais, notamment en cas d’incident de paiement.

Très concrètement, c’est l’article R312-4-3 du Code Monétaire et Financier qui en pose le cadre juridique :
L’offre vous permet de bénéficier d’un compte bancaire, de le consulter et le gérer et d’un RIB, d’avoir une carte de paiement à autorisation systématique pour réaliser vos paiements et vos retraits, de déposer et de retirer des espèces dans votre agence, de faire 4 virements par mois dont au moins 1 virement permanent, de faire 2 chèques de banque par mois, d’être débité de vos prélèvements automatiques.
Seuls le chéquier et le découvert autorisé ne sont pas inclus dans l’offre.

Les frais d’incident bancaire sont limités à 20 euros par mois et 200 euros par an dans le cadre de cette offre. Les commissions d’intervention sont plafonnées à 4€ par opération, contre 8€ dans une offre classique.

L'offre spécifique est proposée pour un tarif ne pouvant dépasser trois euros par mois.
Chaque établissement bancaire établit lui-même les critères permettant d’évaluer la situation financière de leurs clients en fonction des dispositions précitées, et ainsi caractériser une situation de fragilité financière. N’hésitez pas à contacter votre établissement bancaire pour les connaitre et en bénéficier.

Pour aller plus loin : https://www.economie.gouv.fr/particuliers/offre-bancaire-fragilite-financiere#