{"id":39722,"date":"2026-10-15T11:00:08","date_gmt":"2026-10-15T09:00:08","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/?p=39722"},"modified":"2026-10-15T11:46:30","modified_gmt":"2026-10-15T09:46:30","slug":"autorisation-de-decouvert-bancaire-ce-qui-change-a-partir-du-20-novembre-2026","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/autorisation-de-decouvert-bancaire-ce-qui-change-a-partir-du-20-novembre-2026\/","title":{"rendered":"Autorisation de d\u00e9couvert bancaire : ce qui change \u00e0 partir du 20 novembre 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>\u00c0 partir du 20 novembre 2026, la directive europ\u00e9enne sur le cr\u00e9dit \u00e0 la consommation (DCC2) \u00e9tendra les r\u00e8gles du cr\u00e9dit \u00e0 la consommation aux petits d\u00e9couverts autoris\u00e9s qui en \u00e9taient jusqu\u2019\u00e0 pr\u00e9sent exclus. Le principal changement concerne les modalit\u00e9s d&rsquo;octroi des nouvelles autorisations de d\u00e9couvert. La banque devra notamment \u00e9valuer la solvabilit\u00e9 du client avant d&rsquo;accorder toute nouvelle autorisation de d\u00e9couvert, quel que soit son montant. Les d\u00e9couverts d\u00e9j\u00e0 autoris\u00e9s ne sont pas concern\u00e9s par ce changement.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Avant et apr\u00e8s le 20 novembre 2026 : quelles diff\u00e9rences ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le d\u00e9couvert autoris\u00e9 est le montant maximal que la banque permet au client de d\u00e9passer sur son compte.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avant le 20 novembre 2026 :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>L\u2019\u00e9valuation de la solvabilit\u00e9 \u00e9tait obligatoire pour les d\u00e9couverts autoris\u00e9s de plus de 200 \u20ac et\/ou d\u2019une dur\u00e9e sup\u00e9rieure \u00e0 un mois.<\/li><li>Les d\u00e9couverts de moins de 200 \u20ac ou d\u2019une dur\u00e9e inf\u00e9rieure \u00e0 un mois b\u00e9n\u00e9ficiaient d\u2019un r\u00e9gime plus souple et \u00e9taient exclus de certaines dispositions du code de la consommation.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 partir du 20 novembre 2026 :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Les d\u00e9couverts autoris\u00e9s de moins de 200 \u20ac et\/ou d\u2019une dur\u00e9e inf\u00e9rieure \u00e0 un mois sont soumis aux r\u00e8gles du cr\u00e9dit \u00e0 la consommation :<ul><li>La banque doit \u00e9valuer la solvabilit\u00e9 du client avant toute nouvelle autorisation de d\u00e9couvert, quel que soit le montant autoris\u00e9.<\/li><li>Cette \u00e9valuation doit \u00eatre proportionn\u00e9e au montant et \u00e0 la dur\u00e9e du d\u00e9couvert. Ce principe de proportionnalit\u00e9, inscrit dans la directive, doit permettre de pr\u00e9server l\u2019acc\u00e8s large \u00e0 ce service bancaire utile pour g\u00e9rer les d\u00e9calages temporaires de tr\u00e9sorerie.<\/li><\/ul><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ce qui ne change pas pour les clients<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le d\u00e9couvert autoris\u00e9 n\u2019est pas supprim\u00e9, contrairement \u00e0 certaines informations relay\u00e9es dans la presse.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Les d\u00e9couverts d\u00e9j\u00e0 autoris\u00e9s restent valables. Les autorisations accord\u00e9es avant le 20 novembre 2026 ne sont pas remises en cause par l\u2019entr\u00e9e en vigueur de la directive europ\u00e9enne.<\/li><li>Aucun nouvel accord n\u2019est n\u00e9cessaire \u00e0 chaque utilisation. Une fois l\u2019autorisation accord\u00e9e, le client n\u2019a plus \u00e0 la redemander et peut utiliser son d\u00e9couvert dans la limite du montant maximal autoris\u00e9 par sa banque.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Pour en savoir plus, le site Les cl\u00e9s de la banque propose des informations p\u00e9dagogiques pour <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/autorisation-decouvert\/\" target=\"_blank\">comprendre le fonctionnement d<\/a><a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/autorisation-decouvert\/\" target=\"_blank\">e<\/a><a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/autorisation-decouvert\/\" target=\"_blank\"> l&rsquo;autorisation de d\u00e9couvert.<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00c0 partir du 20 novembre 2026, la directive europ\u00e9enne sur le cr\u00e9dit \u00e0 la consommation (DCC2) \u00e9tendra les r\u00e8gles du cr\u00e9dit \u00e0 la consommation aux petits d\u00e9couverts autoris\u00e9s qui en \u00e9taient jusqu\u2019\u00e0 pr\u00e9sent exclus. Le principal changement concerne les modalit\u00e9s d&rsquo;octroi des nouvelles autorisations de d\u00e9couvert. La banque devra notamment \u00e9valuer la solvabilit\u00e9 du client [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":39723,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":0,"viewed_at":""},"categories":[1585,3350,3321,1582],"tags":[3276],"class_list":["post-39722","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-credits","category-mots-cles","category-rubrique-newsroom","tag-credits"],"yoast_head":"<title>Autorisation de d\u00e9couvert bancaire : ce qui change \u00e0 partir du 20 novembre 2026 - Actualit\u00e9s - F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF)<\/title>\n<meta name=\"description\" content=\"\u00c0 partir du 20 novembre 2026, la directive europ\u00e9enne sur le cr\u00e9dit \u00e0 la consommation (DCC2) \u00e9tendra les r\u00e8gles du cr\u00e9dit \u00e0 la consommation aux petits d\u00e9couverts autoris\u00e9s qui en \u00e9taient jusqu\u2019\u00e0 pr\u00e9sent exclus.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fbf.fr\/fr\/autorisation-de-decouvert-bancaire-ce-qui-change-a-partir-du-20-novembre-2026\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Autorisation de d\u00e9couvert bancaire : ce qui change \u00e0 partir du 20 novembre 2026 - 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