Les délais de traitement des virements dans l'Espace Unique de Paiement en Euros (SEPA) varient selon le type de virement et son pays d'origine. Si votre virement affiche le statut En attente, il est peut-être encore en cours de traitement ou en cours de vérification avant d'être crédité sur votre compte.
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💳 Délais habituels par type de virement : • Virement SEPA classique (SCT) 1 à 5 jours ouvrables (2 jours côté banque émettrice + 2 jours via le réseau SEPA + vérifications éventuelles) • Virement SEPA instantané (SCT Inst) quelques secondes, disponible 24h/24 et 7j/7 • Virement international délai variable selon la conversion de devises et les réglementations locales |
Plusieurs facteurs peuvent allonger le délai de traitement :
Virement en cours de vérification : Le virement fait peut-être l'objet d'un contrôle de conformité avant d'être crédité sur votre compte.
Informations incorrectes : Une erreur dans l'IBAN, le nom ou le montant peut bloquer le traitement.
Jours de fermeture TARGET : Le réseau SEPA est indisponible certains jours fériés bancaires (jours TARGET). Les virements envoyés ces jours-là sont traités le prochain jour ouvrable.
Virement international : La conversion de devises et les exigences réglementaires peuvent ajouter du temps supplémentaire.
Suivez ces étapes dans l'ordre :
Vérifiez les détails du virement.
→ Assurez-vous que l'expéditeur a utilisé votre IBAN correct et complet ainsi que votre nom exact.
Demandez une preuve de virement.
→ Demandez à la banque de l'expéditeur un document confirmant que la transaction a bien été initiée.
Introduisez une réclamation de non-réception.
→ Demandez à la banque émettrice d'ouvrir une enquête pour localiser et transférer les fonds.
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ℹ️ Toujours bloqué après ces étapes ? Contactez-nous via le chat et nous vérifierons cela avec vous. 😊 |
Des questions ? Nous sommes là pour vous dans le chat ci-dessous 😊
Author - Valesca Wilms
As content marketing lead at Accountable Belgium, Valesca writes about freelancing, self-employment, and taxes based on her own experience as a freelancer.
Who is Valesca ?Thank you for your feedback!
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