{"id":38047,"date":"2025-09-25T02:38:25","date_gmt":"2025-09-25T00:38:25","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/?p=38047"},"modified":"2025-09-25T17:04:22","modified_gmt":"2025-09-25T15:04:22","slug":"la-securite-des-virements-renforcee-a-partir-du-9-octobre-2025-lancement-du-service-de-verification-du-beneficiaire","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/la-securite-des-virements-renforcee-a-partir-du-9-octobre-2025-lancement-du-service-de-verification-du-beneficiaire\/","title":{"rendered":"La s\u00e9curit\u00e9 des virements renforc\u00e9e \u00e0 partir du 9 octobre 2025 : lancement du service de V\u00e9rification du B\u00e9n\u00e9ficiaire"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u00c0 partir du&nbsp;<strong>9 octobre 2025<\/strong>, toutes les banques de la zone euro mettront en \u0153uvre un nouveau service de&nbsp;<strong>V\u00e9rification du B\u00e9n\u00e9ficiaire<\/strong>&nbsp;(VoP \u2013 Verification of Payee), conform\u00e9ment au&nbsp;<strong>R\u00e8glement europ\u00e9en 2024\/886<\/strong>. Ce dispositif vise \u00e0&nbsp;<strong>s\u00e9curiser les virements bancaires<\/strong>&nbsp;en v\u00e9rifiant que le nom du b\u00e9n\u00e9ficiaire renseign\u00e9 par le client correspond bien \u00e0 l\u2019IBAN du compte destinataire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Comment fonctionne le service V\u00e9rification du b\u00e9n\u00e9ficiaire &#8211; VoP ?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsqu\u2019un particulier effectue un virement (instantan\u00e9 ou classique), sa banque interroge automatiquement la banque du b\u00e9n\u00e9ficiaire pour v\u00e9rifier la concordance entre le&nbsp;<strong>nom saisi<\/strong>&nbsp;et le&nbsp;<strong>num\u00e9ro IBAN<\/strong>. Cette v\u00e9rification, r\u00e9alis\u00e9e en temps r\u00e9el, peut aboutir \u00e0 l\u2019un des r\u00e9sultats suivants :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Correspondance exacte<\/strong>&nbsp;: le nom et l\u2019IBAN concordent.<\/li><li><strong>Correspondance partielle<\/strong>&nbsp;: le nom est proche mais pas identique.<\/li><li><strong>Aucune correspondance<\/strong>&nbsp;: le nom ne correspond pas \u00e0 l\u2019IBAN.<\/li><li><strong>V\u00e9rification impossible<\/strong>&nbsp;: le compte n\u2019existe pas ou ne peut \u00eatre v\u00e9rifi\u00e9.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le client est alors inform\u00e9 du r\u00e9sultat et peut d\u00e9cider de&nbsp;<strong>corriger ou confirmer<\/strong>&nbsp;son virement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quels b\u00e9n\u00e9fices pour les particuliers ?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ce service apporte une&nbsp;<strong>protection renforc\u00e9e<\/strong>&nbsp;contre les fraudes, notamment celles li\u00e9es \u00e0 l\u2019usurpation d\u2019identit\u00e9 ou \u00e0 la manipulation de RIB. Il permet \u00e9galement de&nbsp;<strong>r\u00e9duire les erreurs<\/strong>&nbsp;de saisie lors de l\u2019ajout d\u2019un nouveau b\u00e9n\u00e9ficiaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00eame en cas de non-concordance, le client conserve la&nbsp;<strong>libert\u00e9 d\u2019ex\u00e9cuter le virement<\/strong>, mais en toute connaissance de cause.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Bonnes pratiques \u00e0 adopter<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>Utiliser des&nbsp;<strong>noms complets et exacts<\/strong>&nbsp;pour les b\u00e9n\u00e9ficiaires (\u00e9viter les libell\u00e9s comme \u00ab Maman \u00bb ou \u00ab \u00c9lectricien \u00bb).<\/li><li>V\u00e9rifier les&nbsp;<strong>alertes de non-concordance<\/strong>&nbsp;avant de valider un virement.<\/li><li>Comprendre que ce service est&nbsp;<strong>gratuit<\/strong>&nbsp;et vise \u00e0&nbsp;<strong>prot\u00e9ger les fonds<\/strong>&nbsp;des clients.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Une d\u00e9marche concert\u00e9e<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Des campagnes d\u2019information sont en cours, par les \u00e9tablissements bancaires, pour sensibiliser et accompagner leurs clients \u00e0 ce nouveau service.&nbsp;\u00bb<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00c0 partir du&nbsp;9 octobre 2025, toutes les banques de la zone euro mettront en \u0153uvre un nouveau service de&nbsp;V\u00e9rification du B\u00e9n\u00e9ficiaire&nbsp;(VoP \u2013 Verification of Payee), conform\u00e9ment au&nbsp;R\u00e8glement europ\u00e9en 2024\/886. Ce dispositif vise \u00e0&nbsp;s\u00e9curiser les virements bancaires&nbsp;en v\u00e9rifiant que le nom du b\u00e9n\u00e9ficiaire renseign\u00e9 par le client correspond bien \u00e0 l\u2019IBAN du compte destinataire. Comment fonctionne [&hellip;]<\/p>\n","protected":false},"author":72,"featured_media":38050,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":57915,"viewed_at":"1778495787"},"categories":[1585,3393,3392,3065,3349,3348,3356,3321,1582,3358,1603],"tags":[3281,3274,3272,3284,3286,3273],"class_list":["post-38047","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-cyber-entreprises","category-cyber-particuliers","category-cybersecurite","category-entreprises-et-pme","category-industrie-bancaire-francaise","category-innovation","category-mots-cles","category-rubrique-newsroom","category-paiement","category-la-banque-des-particuliers","tag-cybersecurite","tag-entreprises-et-pme","tag-industrie-bancaire-francaise","tag-innovation","tag-paiement","tag-particuliers"],"yoast_head":"<title>La s\u00e9curit\u00e9 des virements 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