{"id":4251,"date":"2025-12-22T20:21:02","date_gmt":"2025-12-22T20:21:02","guid":{"rendered":"https:\/\/infos-media-nantes.fr\/?p=4251"},"modified":"2025-12-22T20:27:14","modified_gmt":"2025-12-22T20:27:14","slug":"virements-bancaires-noel-2025-retards","status":"publish","type":"post","link":"https:\/\/infos-media-nantes.fr\/virements-bancaires-noel-2025-retards\/","title":{"rendered":"Virements bancaires : pourquoi ils seront bloqu\u00e9s entre le 25 et le 28 d\u00e9cembre 2025"},"content":{"rendered":"\n<article style=\"font-family:Inter,system-ui,Arial,sans-serif;color:#222;line-height:1.65;max-width:1100px;margin:auto;padding:20px;background:#fff;\">\n\n<header>\n\n  <p>\n    Entre le jeudi 25 et le dimanche 28 d\u00e9cembre 2025, les virements bancaires standards\n    entre \u00e9tablissements diff\u00e9rents ne seront pas trait\u00e9s. Les transferts d\u2019argent ne\n    seront effectifs qu\u2019\u00e0 partir du lundi 29 d\u00e9cembre. Pourquoi cette interruption ?\n    Quelles cons\u00e9quences pour les particuliers et les entreprises ?\n  <\/p>\n<\/header>\n<br>\n<section>\n  <p>\n    Pour r\u00e9sumer simplement : du 25 au 28 d\u00e9cembre 2025, les virements interbancaires\n    standards sont suspendus. Les ordres peuvent \u00eatre saisis durant cette p\u00e9riode,\n    mais les fonds ne seront cr\u00e9dit\u00e9s sur les comptes b\u00e9n\u00e9ficiaires qu\u2019\u00e0 la reprise\n    du traitement bancaire, le lundi 29 d\u00e9cembre.\n  <\/p>\n\n  <p>\n    Cette situation concerne uniquement les virements entre deux banques diff\u00e9rentes.\n    Les virements internes, r\u00e9alis\u00e9s entre comptes d\u2019un m\u00eame \u00e9tablissement, ainsi que\n    les virements instantan\u00e9s, restent pleinement op\u00e9rationnels.\n  <\/p>\n<\/section>\n\n<section>\n  <h2>Quels paiements faut-il anticiper ?<\/h2>\n  <p>\n    Avant d\u2019effectuer un transfert, il est essentiel de v\u00e9rifier la nature du virement :\n    standard interbancaire, interne ou instantan\u00e9. En cas de paiement urgent, l\u2019anticipation\n    devient indispensable.\n  <\/p>\n\n  <p>\n    Les entreprises sont particuli\u00e8rement concern\u00e9es. Les services de paie et de tr\u00e9sorerie\n    doivent pr\u00e9voir \u00e0 l\u2019avance les versements de salaires, loyers, primes ou \u00e9trennes.\n    Les particuliers, de leur c\u00f4t\u00e9, doivent penser aux loyers, pensions alimentaires,\n    remboursements ou virements familiaux.\n  <\/p>\n<\/section>\n\n<section>\n  <h2>Pourquoi certains virements sont-ils retard\u00e9s ?<\/h2>\n  <p>\n    Les syst\u00e8mes de r\u00e8glement des paiements exploit\u00e9s par la Banque centrale europ\u00e9enne (BCE)\n    sont ferm\u00e9s les week-ends et certains jours f\u00e9ri\u00e9s. Le jour de No\u00ebl fait partie de ces\n    dates de fermeture, tout comme le 26 d\u00e9cembre dans plusieurs r\u00e9gions et pays europ\u00e9ens,\n    dont l\u2019Allemagne, l\u2019Autriche ou l\u2019Italie.\n  <\/p>\n\n  <p>\n    Cette fermeture technique entra\u00eene une suspension temporaire du traitement des virements\n    interbancaires standards. Les ordres sont bien enregistr\u00e9s par les banques, mais leur\n    ex\u00e9cution effective est report\u00e9e \u00e0 la r\u00e9ouverture des syst\u00e8mes.\n  <\/p>\n<\/section>\n\n<section>\n  <h2>Quelles solutions pendant la p\u00e9riode de fermeture ?<\/h2>\n  <p>\n    En cas de besoin imm\u00e9diat, les virements instantan\u00e9s constituent l\u2019alternative la plus\n    fiable. Ils fonctionnent 24 heures sur 24 et 7 jours sur 7, y compris pendant les jours\n    f\u00e9ri\u00e9s et les week-ends.\n  <\/p>\n\n  <p>\n    Depuis le 9 janvier 2025, ces virements instantan\u00e9s sont gratuits dans toutes les banques\n    fran\u00e7aises. Il reste toutefois recommand\u00e9 de v\u00e9rifier les conditions sp\u00e9cifiques aupr\u00e8s\n    de son \u00e9tablissement.\n  <\/p>\n<\/section>\n\n<section>\n  <h2>Cinq questions fr\u00e9quentes, cinq r\u00e9ponses<\/h2>\n  <p>\n    <strong>Quels virements sont concern\u00e9s par la suspension ?<\/strong><br>\n    Les virements interbancaires standards entre deux banques diff\u00e9rentes ne sont pas trait\u00e9s\n    entre le 25 et le 28 d\u00e9cembre 2025.\n  <\/p>\n\n  <p>\n    <strong>Les virements internes fonctionnent-ils ?<\/strong><br>\n    Oui. Les virements internes et instantan\u00e9s restent actifs pendant toute la p\u00e9riode.\n  <\/p>\n\n  <p>\n    <strong>Que faire en cas de paiement urgent ?<\/strong><br>\n    Utiliser un virement instantan\u00e9 ou programmer le virement standard avant le 25 d\u00e9cembre.\n  <\/p>\n\n  <p>\n    <strong>Les virements instantan\u00e9s sont-ils payants ?<\/strong><br>\n    Non. Ils sont gratuits en France depuis janvier 2025.\n  <\/p>\n\n  <p>\n    <strong>Comment \u00e9viter un incident de paiement ?<\/strong><br>\n    V\u00e9rifier les d\u00e9lais aupr\u00e8s de sa banque et conserver les confirmations de virement.\n  <\/p>\n<\/section>\n\n<!-- =========================================================\n     MINI-JEU IMN : MOTS M\u00caL\u00c9S \u2014 VIREMENTS DE NO\u00cbL\n     Mod\u00e8le officiel Momele-IMN \u2014 VERSION MOBILE-FIRST (V2)\n========================================================= -->\n\n<section>\n  <h2>Mini-jeu IMN : retrouve les mots cl\u00e9s des virements de No\u00ebl<\/h2>\n\n  <p id=\"imn-wordlist-slipfest\" style=\"font-weight:bold;color:#5532F0;margin-bottom:14px;\"><\/p>\n\n  <button id=\"imn-newgame-btn\" class=\"imn-btn\" style=\"display:block;margin:15px auto 20px;\">\n    Nouvelle partie\n  <\/button>\n\n  <div id=\"imn-wordgrid-slipfest\"\n       style=\"\n         width:100%;\n         max-width:min(92vw, 420px);\n         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Tous les mots ont \u00e9t\u00e9 trouv\u00e9s.\";\n            imnTrack(\"wordsearch_complete\",{context:\"virements_noel\"});\n          }\n        });\n      }\n\n      document.addEventListener(\"DOMContentLoaded\",()=>{\n        document.getElementById(\"imn-newgame-btn\").addEventListener(\"click\",imnNewGridSlipfest);\n        imnNewGridSlipfest();\n      });\n    })();\n  <\/script>\n<\/section>\n\n<footer>\n  <p style=\"font-size:14px;color:#555;\">\n    Source : Banque centrale europ\u00e9enne et informations bancaires officielles.\n  <\/p>\n<\/footer>\n\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Entre le jeudi 25 et le dimanche 28 d\u00e9cembre 2025, les virements bancaires standards entre \u00e9tablissements diff\u00e9rents ne seront pas trait\u00e9s. Les transferts d\u2019argent ne seront effectifs qu\u2019\u00e0 partir du lundi 29 d\u00e9cembre. Pourquoi cette interruption ? Quelles cons\u00e9quences pour les particuliers et les entreprises ? Pour r\u00e9sumer simplement : du 25 au 28 d\u00e9cembre [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4252,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":"","event_start_date":"","event_end_date":"","event_location":"","imn_event_city":"","imn_event_start_time":"","imn_event_end_time":"","imn_event_all_day":"","imn_event_address":"","imn_event_ticket_url":"","imn_event_price":"","imn_event_status":"","imn_event_organizer":"","imn_event_accessibility":""},"categories":[22],"tags":[2872,2874,2877,2875,1363,2876,2871,2873],"class_list":["post-4251","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites-nantes","tag-banques-francaises","tag-bce","tag-finances-personnelles","tag-jours-feries","tag-noel-2025","tag-paiements","tag-virements-bancaires","tag-virements-instantanes"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Virements bancaires : pourquoi ils seront bloqu\u00e9s entre le 25 et le 28 d\u00e9cembre 2025 - Infos M\u00e9dia Nantes, infos locales, \u00e9v\u00e9nements et actualit\u00e9 utiles \u00e0 Nantes et ses alentours<\/title>\n<meta name=\"description\" content=\"Entre le 25 et le 28 d\u00e9cembre 2025, les virements bancaires standards seront suspendus. 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