{"id":14049,"date":"2021-10-28T08:46:00","date_gmt":"2021-10-28T08:46:00","guid":{"rendered":"https:\/\/www.moneytrans.eu\/moneytransblog\/?p=14049"},"modified":"2023-05-31T10:40:14","modified_gmt":"2023-05-31T10:40:14","slug":"qu-est-ce-qu-un-mandat-sepa%e2%80%af","status":"publish","type":"post","link":"https:\/\/www.moneytrans.eu\/moneytransblog\/fr\/qu-est-ce-qu-un-mandat-sepa%e2%80%af\/","title":{"rendered":"Qu\u2019est-ce qu\u2019un mandat SEPA\u202f?"},"content":{"rendered":"<p>Lorsque vous effectuez des transferts d&rsquo;argent vers votre pays d&rsquo;origine ou que vous cherchez des informations sur la mani\u00e8re d&rsquo;ouvrir un compte courant, vous avez forc\u00e9ment vu le mot SEPA. <strong>Mais qu\u2019est-ce qu\u2019un mandat SEPA\u202f?<\/strong><\/p>\n<p>Le mandat SEPA, ou Single Euro Payments Area, permet aux entreprises et aux particuliers d\u2019effectuer des paiements simplement \u00e0 l\u2019\u00e9chelle de l\u2019Union europ\u00e9enne. Son but est d\u2019unifier pour tous les pays membres de la zone SEPA, leurs moyens de paiement en euros. En effet, il consiste en un ensemble de <strong>normes concernant les pr\u00e9l\u00e8vements, les cartes, ou encore les virements.<\/strong> Cela permet d\u2019uniformiser les co\u00fbts, la simplicit\u00e9 et la s\u00e9curit\u00e9 des transferts entre les pays membres.<\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"color: #1195ff;\">Qu\u2019est-ce qu\u2019un virement SEPA\u202f?<\/span><\/h2>\n<p>Il existe trois types de virements SEPA : le virement classique, le virement instantan\u00e9 et le pr\u00e9l\u00e8vement SEPA.<\/p>\n<p>Un<span style=\"color: #1195ff;\"><strong> virement SEPA classique<\/strong><\/span> est <strong>un virement permettant de transf\u00e9rer votre argent d\u2019un compte courant<\/strong>, tel que le <a href=\"https:\/\/www.moneytrans.eu\/belgium\/compte-smile\/avantages\/\" target=\"_blank\" rel=\"noopener\">Compte Smile<\/a>, \u00e0 un autre en Europe. Le virement est effectu\u00e9 en un jour ouvrable \u00e0 l\u2019instant o\u00f9 la banque de l\u2019\u00e9metteur re\u00e7oit l\u2019ordre de virement. De la m\u00eame fa\u00e7on que pour un virement classique, vous pouvez d\u00e9cider d\u2019effectuer un virement ponctuel ou un virement programm\u00e9 et r\u00e9gulier (pr\u00e9l\u00e8vement SEPA). De plus, il est n\u00e9cessaire d\u2019indiquer l\u2019IBAN et le BIC du b\u00e9n\u00e9ficiaire\u202f; si vous n\u2019\u00eates pas familiers avec ces notions d\u2019IBAN et de BIC, <a href=\"https:\/\/www.moneytrans.eu\/moneytransblog\/fr\/qu-est-ce-que-iban-et-code-swift-bic\/\" target=\"_blank\" rel=\"noopener\">voici un article<\/a> dans lequel vous trouverez toutes les r\u00e9ponses \u00e0 vos questions. Si par exemple, vous souhaitez effectuer un transfert d\u2019argent entre la Belgique et l\u2019Espagne, les deux pays faisant partie de la zone SEPA, les proc\u00e9dures de virement seront les m\u00eames que si vous effectuiez un virement \u00e0 l\u2019\u00e9chelle nationale.<\/p>\n<p>A la diff\u00e9rence du virement classique, le <strong><span style=\"color: #1195ff;\">virement instantan\u00e9 SEPA<\/span> <\/strong>permet au destinataire de recevoir son argent<strong> en moins de 10 secondes, et disponible 24h\/7j.<\/strong> Ce dernier souscrit aux m\u00eames normes que le virement classique.<\/p>\n<p>En ce qui concerne le<strong><span style=\"color: #1195ff;\"> pr\u00e9l\u00e8vement SEPA<\/span><\/strong>, il permet au cr\u00e9ancier de d\u00e9biter automatiquement le compte du d\u00e9biteur pour un montant et \u00e0 une date convenue. Cela peut s\u2019apparenter \u00e0 des exemples<strong> tels qu\u2019un loyer \u00e0 payer, des factures d\u2019\u00e9lectricit\u00e9 et de gaz ou un pr\u00eat \u00e0 rembourser<\/strong>. Ce type de virement repose sur un mandat, un accord entre le pr\u00e9leveur et l\u2019envoyeur. Il existe deux types de pr\u00e9l\u00e8vements SEPA : le pr\u00e9l\u00e8vement pour les particuliers et celui pour les entreprises.<\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"color: #1195ff;\">A quoi \u00e7a sert\u202f?<\/span><\/h2>\n<p>Depuis son introduction en 2008, le SEPA permet d&rsquo;effectuer et de recevoir des paiements de mani\u00e8re simple, rapide et s\u00e9curis\u00e9e. Les virements ont \u00e9t\u00e9 standardis\u00e9s et automatis\u00e9s pour rendre le processus encore plus efficace gr\u00e2ce \u00e0 de nombreuses innovations dans ce domaine.<\/p>\n<p>Gr\u00e2ce au SEPA, vous b\u00e9n\u00e9ficiez d&rsquo;un large \u00e9ventail d&rsquo;avantages :<\/p>\n<p>&nbsp;<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-14074 size-full\" src=\"https:\/\/www.moneytrans.eu\/moneytransblog\/wp-content\/uploads\/sites\/40\/2021\/10\/SEPA-FR-1.png\" alt=\"advantages-qu-est-ce-qu-un-mandat-sepa-moneytrans\" width=\"1024\" height=\"683\" srcset=\"https:\/\/www.moneytrans.eu\/moneytransblog\/wp-content\/uploads\/sites\/40\/2021\/10\/SEPA-FR-1.png 1024w, https:\/\/www.moneytrans.eu\/moneytransblog\/wp-content\/uploads\/sites\/40\/2021\/10\/SEPA-FR-1-300x200.png 300w, https:\/\/www.moneytrans.eu\/moneytransblog\/wp-content\/uploads\/sites\/40\/2021\/10\/SEPA-FR-1-768x512.png 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"color: #1195ff;\">Quel d\u00e9lai pour l\u2019obtenir\u202f?<\/span><\/h2>\n<p>Pour obtenir un virement SEPA, le d\u00e9lai d\u00e9pend du type de virement. En effet, un virement SEPA classique prendra un jour ouvrable \u00e0 partir du moment o\u00f9 la banque de l&rsquo;exp\u00e9diteur re\u00e7oit l&rsquo;ordre de virement. Par la suite, comme son nom l&rsquo;indique, un virement instantan\u00e9 sera re\u00e7u presque imm\u00e9diatement. Quant au pr\u00e9l\u00e8vement SEPA, il prendra au maximum trois jours ouvrables. <strong>Avec Moneytrans, vous pouvez maintenant ouvrir un Compte Smile, vous permettant de transf\u00e9rer de l&rsquo;argent rapidement et facilement.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"color: #1195ff;\">Un virement SEPA entra\u00eene-t-il des frais\u202f?<\/span><\/h2>\n<p>Les frais de virement d\u00e9pendent enti\u00e8rement de l\u2019institution financi\u00e8re de laquelle vous d\u00e9pendez. En effet, que vous soyez \u00e9metteur ou b\u00e9n\u00e9ficiaire, vous \u00eates susceptible d\u2019\u00eatre factur\u00e9 selon si cela fait partie de la politique de l\u2019institution. <strong>Dans le cadre de notre compte Smile, nous offrons 24 transferts SEPA gratuits par an. Profitez-en!<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"color: #1195ff;\">Qu\u2019est-ce que la zone SEPA\u202f?<\/span><\/h2>\n<p>Vous \u00eates un r\u00e9sident europ\u00e9en d&rsquo;origine \u00e9trang\u00e8re et vous souhaitez savoir si votre pays de r\u00e9sidence est concern\u00e9 par la zone SEPA ? Voici les diff\u00e9rents <strong>pays qui composent la zone SEPA<\/strong> : 33 pays au total, dont les 27 pays membres de l&rsquo;Union europ\u00e9enne ainsi que les 4 membres de l&rsquo;AELE (Association europ\u00e9enne de libre-\u00e9change), le Royaume-Uni, Monaco et la R\u00e9publique de Saint-Martin. En effet, cela repr\u00e9sente la zone dans laquelle ces normes s&rsquo;appliquent.<\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"color: #1195ff;\">Les virements avec un Compte Smile?<\/span><\/h2>\n<p>Gr\u00e2ce \u00e0 votre Compte Smile, vous pourrez envoyer et recevoir de l\u2019argent simplement et rapidement. En effet, <strong>envoyer votre argent dans un autre pays membre de la zone SEPA en quelques secondes<\/strong> gr\u00e2ce au virements instantan\u00e9s. De plus, vous pourrez g\u00e9rer vos finances en vous connectant sur notre site web ou en se rendant dans une de nos agences.<\/p>\n<p>Mais vos transferts ne se limiteront pas \u00e0 cette zone. Effectivement, le Compe Smile permet d\u2019envoyer de l\u2019argent dans des dizaines d\u2019autres destinations \u00e0 l\u2019international. De plus, En ouvrant ce compte courant, <a href=\"https:\/\/www.moneytrans.eu\/belgium\/compte-smile\/carte-de-debit-mastercard\/\" target=\"_blank\" rel=\"noopener\">vous obtiendrez gratuitement une Mastercard et un RIB<\/a>, vous permettant enfin de prendre en charge vos finances de mani\u00e8re simple et transparente. Le Compte Smile, un compte qui vous prend enfin en compte !<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Lorsque vous effectuez des transferts d&rsquo;argent vers votre pays d&rsquo;origine ou que vous cherchez des informations sur la mani\u00e8re d&rsquo;ouvrir un compte courant, vous avez forc\u00e9ment vu le mot SEPA. Mais qu\u2019est-ce qu\u2019un mandat SEPA\u202f? Le mandat SEPA, ou Single Euro Payments Area, permet aux entreprises et aux particuliers d\u2019effectuer des paiements simplement \u00e0 l\u2019\u00e9chelle [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":14053,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[1084],"tags":[1383],"class_list":["post-14049","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finances-fr","tag-smile-account-fr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Qu\u2019est-ce qu\u2019un mandat SEPA\u202f? | Moneytrans<\/title>\n<meta name=\"description\" content=\"Avez-vous d\u00e9j\u00e0 entendu parler d\u2019un mandat SEPA sans savoir r\u00e9ellement ce que cela signifie ? 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