{"id":544,"date":"2016-11-25T00:00:00","date_gmt":"2016-11-25T00:00:00","guid":{"rendered":"https:\/\/www.sage.com\/fr-fr\/blog\/impact-de-la-mobilite-bancaire-sur-votre-systeme-dinformation\/"},"modified":"2026-02-05T15:11:48","modified_gmt":"2026-02-05T14:11:48","slug":"information-impact-loi-macron-mobilite-bancaire","status":"publish","type":"post","link":"https:\/\/www.sage.com\/fr-fr\/blog\/information-impact-loi-macron-mobilite-bancaire\/","title":{"rendered":"Impact de la mobilit\u00e9 bancaire sur votre syst\u00e8me d&rsquo;information"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--has-illustration entry-header--has-illustration--generic\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/categorie\/legal-et-reglementation\/\" class=\"entry-header__link\">L\u00e9gal &amp; R\u00e9glementation<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tImpact de la mobilit\u00e9 bancaire sur votre syst\u00e8me d&rsquo;information\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<p class=\"entry-header__description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2016-11-25T00:00:00+01:00\">novembre 25, 2016<\/time><\/span><span class=\"reading-time\"> min de lecture<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"Impact de la mobilit\u00e9 bancaire sur votre syst\u00e8me d&rsquo;information\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/fr-fr\/blog\/information-impact-loi-macron-mobilite-bancaire\/\"\n\t\t\tdata-share-text=\"Veuillez lire cet article int\u00e9ressant\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Partager<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copier le lien<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copi\u00e9<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-post-author has-dark-background-color alignfull\">\n\t<div class=\"container\">\n\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<div class=\"co-authors\">\n\t\t\t\t\t\n\t\t<div class=\"entry-author-wrapper\">\n\t\t\t<a class=\"entry-author\" href=\"https:\/\/www.sage.com\/fr-fr\/blog\/author\/romainjacquier\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/07\/Romain-Jacquier-350x350.jpg\" class=\"entry-author__image\" alt=\"Romain Jacquier\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/07\/Romain-Jacquier-350x350.jpg 350w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/07\/Romain-Jacquier-768x768.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/07\/Romain-Jacquier.jpg 800w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/>\t\t\t\t<span class=\"entry-author__name\">Romain Jacquier<\/span>\n\t\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-l-article-43-de-la-loi-macron-sur-la-mobilite-bancaire\"><strong>L&rsquo;article 43 de la loi Macron sur la mobilit\u00e9 bancaire<\/strong><\/h2>\n\n\n\n<p><strong>Quand :<\/strong> l&rsquo;article 43 de la loi Macron sur la mobilit\u00e9 bancaire entrera en vigueur le 6 f\u00e9vrier 2017.<\/p>\n\n\n\n<p><strong>Pourquoi :<\/strong> faciliter le changement de banque et dynamiser la concurrence entre les banques.<\/p>\n\n\n\n<p><strong>Comment :<\/strong> la nouvelle banque (ou banque d&rsquo;arriv\u00e9e) s&rsquo;occupe de l&rsquo;ensemble des d\u00e9marches.<\/p>\n\n\n\n<p><strong>Etapes :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La nouvelle banque fait signer un \u00ab <strong>mandat de mobilit\u00e9 bancaire<\/strong> \u00bb \u00e0 son nouveau client. Ce mandat permet \u00e0 la nouvelle banque d&rsquo;agir au nom du client aupr\u00e8s des \u00e9metteurs et des banques concern\u00e9s.<\/li>\n\n\n\n<li>Ce mandat lui donne notamment le droit de contacter directement la banque de d\u00e9part afin d&rsquo;obtenir la transmission des <strong>op\u00e9rations de paiement ayant circul\u00e9 sur l&rsquo;ancien compte au cours des 13 derniers mois<\/strong>. Les moyens de paiement concern\u00e9s sont :\n<ul class=\"wp-block-list\">\n<li>les virements re\u00e7us,<\/li>\n\n\n\n<li>les mandats de pr\u00e9l\u00e8vements valides,<\/li>\n\n\n\n<li>les virements permanents \u00e9mis (virements r\u00e9currents) et enregistr\u00e9s par la banque de d\u00e9part<\/li>\n\n\n\n<li>ainsi que les ch\u00e8ques non d\u00e9bit\u00e9s de ch\u00e9quiers utilis\u00e9s au cours de la p\u00e9riode concern\u00e9e.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Une fois ces informations re\u00e7ues, la nouvelle banque communique les nouvelles coordonn\u00e9es bancaires aux \u00e9metteurs de ces op\u00e9rations de paiement.<\/li>\n\n\n\n<li>Les \u00e9metteurs devront alors prendre en charge le changement de compte bancaire du client <strong>dans un d\u00e9lai d\u00e9fini par la loi (10 jours ouvr\u00e9s en 2017)<\/strong> et en informer le client.<\/li>\n<\/ul>\n\n\n\n<p><strong>Qui :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La loi \u00ab Macron \u00bb sur la mobilit\u00e9 bancaire s&rsquo;applique :\n<ul class=\"wp-block-list\">\n<li>aux particuliers,<\/li>\n\n\n\n<li>aux banques fran\u00e7aises<\/li>\n\n\n\n<li>aux \u00e9metteurs fran\u00e7ais<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-impact-sur-votre-si\"><strong>Impact sur votre SI<\/strong><\/h2>\n\n\n\n<p>Les \u00e9metteurs peuvent choisir de recevoir l&rsquo;information :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>sous forme <strong>papier<\/strong> (dans ce cas les mises \u00e0 jour des syst\u00e8mes d&rsquo;information se feront manuellement)<\/li>\n\n\n\n<li>sous forme <strong>de fichier \u00e0 un format normalis\u00e9 \u00ab flux de mobilit\u00e9 \u00bb<\/strong> (= dans ce cas, ils vont faire appel \u00e0 un service de transfert automatis\u00e9 de leur domiciliation bancaire)<\/li>\n<\/ul>\n\n\n\n<p>Important : dans les 2 cas, les d\u00e9lais et obligations restent identiques.<\/p>\n\n\n\n<p>Focus sur le mode d\u00e9mat\u00e9rialis\u00e9 :<\/p>\n\n\n\n<p>Dans le cadre des \u00e9changes normalis\u00e9s li\u00e9s \u00e0 la mobilit\u00e9 bancaire, le protocole EBICS peut \u00eatre utilis\u00e9 pour acheminer le flux retour (banque de l&rsquo;\u00e9metteur vers son client \u00e9metteur).<\/p>\n\n\n\n<p>Le format du fichier sera standardis\u00e9 :<br>\n<a href=\"http:\/\/www.cfonb.org\/Default.aspx?lid=1&amp;rid=122&amp;rvid=261\" target=\"_blank\" rel=\"noopener noreferrer\">http:\/\/www.cfonb.org\/Default.aspx?lid=1&amp;rid=122&amp;rvid=261<\/a><\/p>\n\n\n\n<p>En r\u00e9sum\u00e9, pour prendre en compte le nouvel IBAN de son client, l&rsquo;\u00e9metteur doit mettre \u00e0 niveau son ou ses syst\u00e8me(s) d&rsquo;information pour :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>r\u00e9cup\u00e9rer via EBICS et int\u00e9grer le nouveau flux de mobilit\u00e9 (= le format normalis\u00e9)<\/li>\n\n\n\n<li>respecter le d\u00e9lai de 10 jours ouvr\u00e9s pour informer ses clients de la date de prise d&rsquo;effet du nouvel IBAN<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2017\/08\/sage-schema-mobilite-bancaire.png\" alt=\"\"\/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<p>Pour en savoir plus : <a href=\"https:\/\/www.sage.com\/fr-fr\/\">www.sage.fr<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L&rsquo;article 43 de la loi Macron sur la mobilit\u00e9 bancaire Quand : l&rsquo;article 43 de la loi Macron sur la mobilit\u00e9 bancaire entrera en vigueur le 6 f\u00e9vrier 2017. Pourquoi : faciliter le changement de banque et dynamiser la concurrence entre les banques. Comment : la nouvelle banque (ou banque d&rsquo;arriv\u00e9e) s&rsquo;occupe de l&rsquo;ensemble des [&hellip;]<\/p>\n","protected":false},"author":358,"featured_media":503,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"footnotes":""},"categories":[12,13],"tags":[605],"business_type":[8,9,11],"lilypad":[],"context":[],"industry":[23,24,25,26],"persona":[35,34,40],"imagine_tag":[470,458],"coauthors":[928],"class_list":["post-544","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gestion-financiere","category-legal-et-reglementation","tag-daf-directeur-administratif-financier","business_type-artisans-et-petites-entreprises","business_type-petites-et-moyennes-entreprises","business_type-expertise-comptable","industry-btp","industry-industrie","industry-negoce","industry-services"],"sage_meta":{"region":"fr-fr","author_name":"Romain Jacquier","featured_image":"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2017\/08\/Sage-one-devis-factures-272x300.jpg","imagine_tags":{"470":"Finance","458":"Tr\u00e9sorerie"}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice France","distributor_original_site_url":"https:\/\/www.sage.com\/fr-fr\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/posts\/544","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/users\/358"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/comments?post=544"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/posts\/544\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media\/503"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media?parent=544"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/categories?post=544"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/tags?post=544"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/business_type?post=544"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/lilypad?post=544"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/context?post=544"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/industry?post=544"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/persona?post=544"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/imagine_tag?post=544"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/coauthors?post=544"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}