Maître Romane MUSSELIN

Avocat au barreau de Paris

Compétences : Droit commercial, des affaires et de la concurrence, Droit de la consommation, Fusions et acquisitions, Droit boursier, Droit bancaire et boursier, Droit bancaire et financier, Droit du crédit et de la consommation, Droit immobilier, Droit des garanties, des sûretés et des mesures d'exécution, Procédure civile

Barreau : Paris

Adresse : 34 AVENUE D EYLAU 75116 PARIS

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Publié le 13/02/2025

La banque n'est pas tenue de rembourser même partiellement un client ayant fourni un identifiant bancaire qui ne vise pas le bon bénéficiaire !

Article juridique - Droit du crédit et de la consommation

Par Me Romane MUSSELIN

La banque n'est pas tenue de rembourser même partiellement un client ayant fourni un identifiant bancaire qui ne vise pas le bon bénéficiaire !

La responsabilité contractuelle de droit commun de l’article 1231-1 nouveau du code civil, comme de l’ancien article 1147 du même code, n’est pas applicable en présence d’un régime de responsabilité exclusif.

La responsabilité du prestataire de services de paiements en cas d’opération non autorisée ou mal exécutée ne peut être examinée que sous le prisme des articles L. 133-18 à L. 133-24 du code monétaire et financier.

La Cour de cassation juge en effet que "dès lors que la responsabilité d'un prestataires de services de paiement est recherchée en raison d'une opération de paiement non autorisée ou mal exécutée, seul est applicable le régime de responsabilité défini aux articles L. 133-18 à L. 133-24 du code monétaire et financier.

L'article L. 133-21 de ce code disposant qu'un ordre de paiement exécuté conformément à l'identifiant unique fourni par l'utilisateur du service de paiement est réputé dûment exécuté pour ce qui concerne le bénéficiaire désigné par l'identifiant unique est en conséquence exclusif de toute application des règles de droit commun. Doit être cassé l'arrêt qui retient que cet article ne dispense pas le banquier de son obligation de vigilance en vertu de laquelle il lui appartient de contrôler l'absence d'anomalie apparente affectant l'ordre de paiement"

Com. 15 janv. 2025, FS-B, n° 23-13.579 Com. 15 janv. 2025, FS-B, n° 23-15.437

Musselin Romane | Droit bancaire