Actualités comptables
Droit au compte : quoi de neuf ?

Droit au compte : quoi de neuf ?

Publiée le lundi 21 mars 2022 à 05h46 dans Actu Juridique

Le droit au compte bancaire est un droit important : c’est pourquoi le gouvernement a décidé de le renforcer via 4 mesures, applicables à compter du 13 juin 2022. Lesquelles ?


4 mesures pour renforcer le droit au compte

Pour rappel, la procédure de droit au compte permet de saisir la Banque de France afin que celle-ci désigne un établissement qui sera tenu d’ouvrir un compte bancaire en cas de refus d’ouverture de compte ou de demande de fermeture de compte imposée par un autre établissement.

Sont notamment éligibles au dispositif du droit au compte les personnes physiques ou morales domiciliées en France, ainsi que les personnes physiques de nationalité française résidant hors de France.

A compter du 13 juin 2022, afin de renforcer ce droit, il est prévu que :

  • la procédure puisse être activée dès l’enclenchement de la période de préavis de clôture de son compte commercial ;
  • la saisine de la Banque de France soit possible, même si le demandeur ne dispose pas d’une attestation d’ouverture de compte (un silence de 15 jours de la banque sollicitée vaut refus et suffit pour saisir la Banque de France) ;
  • l’établissement bancaire désigné par la Banque de France doive indiquer les pièces justificatives dont il a besoin pour procéder à l’ouverture dans un délai maximal de 3 jours à compter de sa désignation ;
  • les établissements bancaires aient l’obligation d’informer la Banque de France des motifs de refus d’ouverture de compte ou de résiliation d’une convention de gestion de compte relevant du droit au compte.

Sources :

  • Décret n° 2022-347 du 11 mars 2022 relatif à la procédure de droit au compte
  • Communiqué de presse du ministère de l’Economie du 14 mars 2022, n° 2150
  • Actualité de service-public.fr du 15 mars 2022

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