{"id":31070,"date":"2026-08-21T03:30:45","date_gmt":"2026-08-21T01:30:45","guid":{"rendered":"https:\/\/www.accountable.eu\/help-center\/pourquoi-mon-virement-entrant-est-il-retarde\/"},"modified":"2026-08-21T03:30:45","modified_gmt":"2026-08-21T01:30:45","slug":"pourquoi-mon-virement-entrant-est-il-retarde","status":"publish","type":"help_center","link":"https:\/\/www.accountable.eu\/en-be\/help-center\/pourquoi-mon-virement-entrant-est-il-retarde\/","title":{"rendered":"Pourquoi mon virement entrant est-il retard\u00e9 ?"},"content":{"rendered":"

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\ud83d\udca1 Pourquoi votre virement n’est-il pas encore arriv\u00e9 ?<\/h1>\n

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Les d\u00e9lais 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<\/b>, il est peut-\u00eatre encore en cours de traitement ou en cours de v\u00e9rification avant d’\u00eatre cr\u00e9dit\u00e9 sur votre compte.<\/p>\n

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\ud83d\udcb3 D\u00e9lais habituels par type de virement :<\/b><\/p>\n

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\u2022 Virement SEPA classique (SCT)<\/b> 1 \u00e0 5 jours ouvrables (2 jours c\u00f4t\u00e9 banque \u00e9mettrice + 2 jours via le r\u00e9seau SEPA + v\u00e9rifications \u00e9ventuelles)<\/p>\n

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\u2022 Virement SEPA instantan\u00e9 (SCT Inst)<\/b> quelques secondes, disponible 24h\/24 et 7j\/7<\/p>\n

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\u2022 Virement international<\/b> d\u00e9lai variable selon la conversion de devises et les r\u00e9glementations locales<\/p>\n

\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

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\u26a0\ufe0f Qu’est-ce qui peut retarder un virement ?<\/h1>\n

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Plusieurs facteurs peuvent allonger le d\u00e9lai de traitement :<\/p>\n

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  • \n

    Virement en cours de v\u00e9rification :<\/b> Le virement fait peut-\u00eatre l’objet d’un contr\u00f4le de conformit\u00e9 avant d’\u00eatre cr\u00e9dit\u00e9 sur votre compte.<\/p>\n<\/li>\n

  • \n

    Informations incorrectes :<\/b> Une erreur dans l’IBAN, le nom ou le montant peut bloquer le traitement.<\/p>\n<\/li>\n

  • \n

    Jours de fermeture TARGET :<\/b> Le r\u00e9seau SEPA est indisponible certains jours f\u00e9ri\u00e9s bancaires (jours TARGET). Les virements envoy\u00e9s ces jours-l\u00e0 sont trait\u00e9s le prochain jour ouvrable.<\/p>\n<\/li>\n

  • \n

    Virement international :<\/b> La conversion de devises et les exigences r\u00e9glementaires peuvent ajouter du temps suppl\u00e9mentaire.<\/p>\n<\/li>\n<\/ul>\n

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    \ud83d\udc49 Que faire si votre virement tarde \u00e0 arriver ?<\/h1>\n

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    Suivez ces \u00e9tapes dans l’ordre :<\/p>\n

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      \n
    1. \n

      V\u00e9rifiez les d\u00e9tails du virement.<\/b><\/p>\n

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      \u2192 Assurez-vous que l’exp\u00e9diteur a utilis\u00e9 votre IBAN correct et complet ainsi que votre nom exact.<\/p>\n<\/li>\n

    2. \n

      Demandez une preuve de virement.<\/b><\/p>\n

      \n

      \u2192 Demandez \u00e0 la banque de l’exp\u00e9diteur un document confirmant que la transaction a bien \u00e9t\u00e9 initi\u00e9e.<\/p>\n<\/li>\n

    3. \n

      Introduisez une r\u00e9clamation de non-r\u00e9ception.<\/b><\/p>\n

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      \u2192 Demandez \u00e0 la banque \u00e9mettrice d’ouvrir une enqu\u00eate pour localiser et transf\u00e9rer les fonds.<\/p>\n<\/li>\n<\/ol>\n

      \n

      \n\n\n\n
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      \u2139\ufe0f Toujours bloqu\u00e9 apr\u00e8s ces \u00e9tapes ? Contactez-nous via le chat et nous v\u00e9rifierons cela avec vous. \ud83d\ude0a<\/b><\/p>\n

      \n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

      \n

      Des questions ? Nous sommes l\u00e0 pour vous dans le chat ci-dessous \ud83d\ude0a<\/p>\n","protected":false},"excerpt":{"rendered":"

      Cet article explique pourquoi un virement entrant peut prendre plus de temps que pr\u00e9vu et ce que vous pouvez faire.<\/p>\n","protected":false},"featured_media":0,"template":"","help_label":[],"class_list":["post-31070","help_center","type-help_center","status-publish","hentry"],"acf":[],"yoast_head":"\nPourquoi mon virement entrant est-il retard\u00e9 ? - Accountable<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.accountable.eu\/en-be\/help-center\/pourquoi-mon-virement-entrant-est-il-retarde\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pourquoi mon virement entrant est-il retard\u00e9 ? - Accountable\" \/>\n<meta property=\"og:description\" content=\"Cet article explique pourquoi un virement entrant peut prendre plus de temps que pr\u00e9vu et ce que vous pouvez faire.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.accountable.eu\/en-be\/help-center\/pourquoi-mon-virement-entrant-est-il-retarde\/\" \/>\n<meta property=\"og:site_name\" content=\"Accountable\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/help-center\\\/pourquoi-mon-virement-entrant-est-il-retarde\\\/\",\"url\":\"https:\\\/\\\/www.accountable.eu\\\/en-be\\\/help-center\\\/pourquoi-mon-virement-entrant-est-il-retarde\\\/\",\"name\":\"Pourquoi mon virement entrant est-il retard\u00e9 ? 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