{"id":25827,"date":"2024-07-09T08:35:58","date_gmt":"2024-07-09T06:35:58","guid":{"rendered":"https:\/\/info.openlane.eu\/help\/faq\/%faq_category%\/6-7-que-signifient-les-codes-bancaires-iban-bic-sepa-et-sha\/"},"modified":"2024-11-27T22:12:36","modified_gmt":"2024-11-27T21:12:36","slug":"6-7-what-do-the-bank-codes-iban-bic-sepa-and-sha-mean","status":"publish","type":"faq","link":"https:\/\/info.openlane.eu\/fr-be\/help\/faq\/for-buyers\/6-cout-paiements\/6-7-what-do-the-bank-codes-iban-bic-sepa-and-sha-mean\/","title":{"rendered":"6.7 Que signifient les codes bancaires IBAN, BIC, SEPA et SHA ?"},"content":{"rendered":"

Pour pouvoir effectuer des paiements, vous devez comprendre les diff\u00e9rents codes bancaires concern\u00e9s. Vous trouverez ci-dessous une explication de ces codes et des types de transactions auxquels ils s’appliquent.<\/span><\/p>\n

IBAN (International Bank Account Number ou Num\u00e9ro International de Compte Bancaire)
\n<\/strong>Un code IBAN est un num\u00e9ro normalis\u00e9 et reconnu au niveau international qui permet d’identifier un compte bancaire. Il comporte jusqu’\u00e0 34 caract\u00e8res alphanum\u00e9riques. Il commence par le code du pays \u00e0 deux lettres, suivi de la clef de contr\u00f4le \u00e0 deux chiffres qui confirme la validit\u00e9 de l’IBAN, et se termine par un RIB\/BBAN (Relev\u00e9 d\u2019Identit\u00e9 Bancaire\/Basic Bank Account Number) qui contient des informations sp\u00e9cifiques sur la banque et le compte. Le format du RIB\/BBAN varie d’un pays \u00e0 l’autre, mais il comprend g\u00e9n\u00e9ralement un code banque et un code guichet.<\/span><\/p>\n

BIC (Bank Identifier Code ou Code d’Identification des Banques), aussi connu sous le nom de code SWIFT
\n<\/strong>Le code BIC et le code SWIFT d\u00e9signent la m\u00eame chose : il s’agit d’un code de 8 \u00e0 11 caract\u00e8res utilis\u00e9 pour identifier une banque sp\u00e9cifique lors d’une transaction internationale. Chaque banque poss\u00e8de un code BIC\/SWIFT unique qui garantit que les transferts d’argent aboutissent au bon endroit.<\/span><\/p>\n

SEPA (Single Euro Payments Area, Espace unique de paiements en euros)
\n<\/strong>Le SEPA est un r\u00e9seau paneurop\u00e9en qui permet d’envoyer et de recevoir des paiements en euros (\u20ac) entre deux comptes bancaires au sein de la zone euro. Avec le SEPA, transf\u00e9rer de l’argent au sein de la zone euro est aussi facile qu’un virement bancaire national. Le SEPA compte 36 \u00c9tats membres : Andorre, Autriche, Belgique, Bulgarie, Croatie, Chypre, R\u00e9publique tch\u00e8que, Danemark, Estonie, Finlande, France, Allemagne, Gr\u00e8ce, Hongrie, Islande, Irlande, Italie, Lettonie, Liechtenstein, Lituanie, Luxembourg, Malte, Monaco, Norv\u00e8ge, Pologne, Portugal, Roumanie, Saint-Marin, Slovaquie, Slov\u00e9nie, Espagne, Su\u00e8de, Suisse, Pays-Bas et Vatican. Le Royaume-Uni reste un pays SEPA malgr\u00e9 le Brexit.<\/span><\/p>\n

SHA (Shared, c’est-\u00e0-dire frais des virements internationaux partag\u00e9s entre l’\u00e9metteur et le b\u00e9n\u00e9ficiaire)
\n<\/strong>SHA indique un mode de facturation des frais selon lequel vous ne payez que les frais d’\u00e9mission du transfert. Nous recevons votre paiement, d\u00e9duction faite des frais bancaires correspondants, c’est-\u00e0-dire des frais interm\u00e9diaires.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Pour pouvoir effectuer des paiements, vous devez comprendre les diff\u00e9rents codes bancaires concern\u00e9s. Vous trouverez ci-dessous une explication de ces codes et des types de transactions auxquels ils s’appliquent. IBAN (International Bank Account Number ou Num\u00e9ro International de Compte Bancaire) Un code IBAN est un num\u00e9ro normalis\u00e9 et reconnu au niveau international qui permet d’identifier…<\/p>\n","protected":false},"author":3,"featured_media":0,"template":"","meta":{"_acf_changed":false,"footnotes":""},"faq_category":[649],"class_list":["post-25827","faq","type-faq","status-publish","hentry","faq_category-6-cout-paiements"],"acf":[],"yoast_head":"\n6.7 Que signifient les codes bancaires IBAN, BIC, SEPA et SHA ? \u2013 OPENLANE<\/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:\/\/info.openlane.eu\/fr-be\/help\/faq\/for-buyers\/6-cout-paiements\/6-7-what-do-the-bank-codes-iban-bic-sepa-and-sha-mean\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"6.7 Que signifient les codes bancaires IBAN, BIC, SEPA et SHA ?\" \/>\n<meta property=\"og:description\" content=\"Pour pouvoir effectuer des paiements, vous devez comprendre les diff\u00e9rents codes bancaires concern\u00e9s. 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