{"id":58824,"date":"2025-01-05T11:45:00","date_gmt":"2025-01-05T10:45:00","guid":{"rendered":"https:\/\/www.centralpay.com\/?p=58824"},"modified":"2026-02-12T10:15:46","modified_gmt":"2026-02-12T09:15:46","slug":"jours-feries-bancaires-calendrier","status":"publish","type":"post","link":"https:\/\/www.centralpay.com\/fr\/blog\/jours-feries-bancaires-calendrier\/","title":{"rendered":"Jours f\u00e9ri\u00e9s bancaires\u00a02025 : comment les anticiper\u00a0?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>Jours f\u00e9ri\u00e9s bancaires&nbsp;: c&#8217;est quoi&nbsp;?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Un jour f\u00e9ri\u00e9 bancaire correspond \u00e0 une fermeture du syst\u00e8me T2 (ex-Target 2), utilis\u00e9 pour ex\u00e9cuter les paiements interbancaires europ\u00e9ens.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En pratique : <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les virements et pr\u00e9l\u00e8vements SEPA entre deux banques sont enregistr\u00e9s, mais cr\u00e9dit\u00e9s le jour ouvr\u00e9 suivant<\/li>\n\n\n\n<li>Les cartes, virements internes et virements instantan\u00e9s restent disponibles<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>Calendrier 2025<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les jours de fermeture bancaire varient selon les ann\u00e9es.<br>Le calendrier est d\u00e9fini par la <a href=\"https:\/\/www.ecb.europa.eu\/ecb\/contacts\/working-hours\/html\/index.fr.html\" target=\"_blank\" rel=\"noopener\">Banque Centrale Europ\u00e9enne<\/a> et s&#8217;applique \u00e0 toute la zone euro.<\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Jours f\u00e9ri\u00e9s bancaires 2025 :<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mercredi 1<sup>er<\/sup> janvier (Jour de l&#8217;An)<\/li>\n\n\n\n<li>Vendredi 18 avril 2025 (Vendredi Saint)<\/li>\n\n\n\n<li>Lundi 21 avril 2025 (Lundi de P\u00e2ques)<\/li>\n\n\n\n<li>Jeudi 1er mai 2025 (F\u00eate du travail)<\/li>\n\n\n\n<li>Jeudi 25 d\u00e9cembre (No\u00ebl)<\/li>\n\n\n\n<li>Vendredi 26 d\u00e9cembre (Lendemain de No\u00ebl)<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Jours f\u00e9ri\u00e9s non concern\u00e9s :<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jeudi 8 mai (Victoire 1945)<\/li>\n\n\n\n<li>Jeudi 29 mai (Ascension)<\/li>\n\n\n\n<li>Lundi 9 juin (Pentec\u00f4te)<\/li>\n\n\n\n<li>Lundi 14 juillet (f\u00eate nationale)<\/li>\n\n\n\n<li>Vendredi 15 ao\u00fbt (Assomption)<\/li>\n\n\n\n<li>Mardi 11 novembre (Armistice 1918)<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>Quels impacts pour les entreprises&nbsp;?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les jours f\u00e9ri\u00e9s bancaires d\u00e9calent l&#8217;ex\u00e9cution des paiements SEPA.<br>Les <a href=\"https:\/\/www.centralpay.com\/blog\/lexique-complet-du-paiement-par-virement-bancaire\/\">virements<\/a> et pr\u00e9l\u00e8vements \u00e9mis la veille au soir, le jour m\u00eame ou programm\u00e9 \u00e0 cette date seront cr\u00e9dit\u00e9s le jour ouvr\u00e9 suivant. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cons\u00e9quences possibles : <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Encaissements clients retard\u00e9s<\/li>\n\n\n\n<li>R\u00e8glements fournisseurs, salaires ou loyers d\u00e9cal\u00e9s<\/li>\n<\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Ce d\u00e9calage peut provoquer des tensions de tr\u00e9sorerie si ces jours ne sont pas anticip\u00e9s.<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Comment anticiper ces fermetures exceptionnelles ?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour les paiements sortants :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00c9mettre les virements <strong>au moins 48 heures ouvr\u00e9es<\/strong> avant un jour f\u00e9ri\u00e9 bancaire<\/li>\n\n\n\n<li>V\u00e9rifier la date de valeur indiqu\u00e9e pour garantir le bon cr\u00e9dit<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Pour les encaissements clients : <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ajuster les dates de facturation et d&#8217;\u00e9ch\u00e9ances lorsque c&#8217;est possible<\/li>\n\n\n\n<li>Informer les clients et les inciter \u00e0 anticiper leurs r\u00e8glements<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1 Les jours f\u00e9ri\u00e9s bancaires ne bloquent pas les <a href=\"https:\/\/www.centralpay.com\/blog\/virement-instantane-gratuit-adopte-par-tous\/\" data-type=\"post\" data-id=\"57281\">virements instantan\u00e9s<\/a>. Ils restent disponibles 7j\/7 et 24h\/24, avec un traitement en moins de 10 secondes. Une alternative fiable pour s\u00e9curiser des paiements urgents, m\u00eame en cas de fermeture bancaire.<\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"NewsArticle\",\n  \"name\": \"Jours f\u00e9ri\u00e9s bancaires : calendrier 2025\",\n  \"headline\": \"Jours f\u00e9ri\u00e9s bancaires\u00a02025 : comment les anticiper\u00a0?\",\n  \"datePublished\": \"January 05, 2025\",\n  \"dateModified\": \"January 05, 2025\",\n  \"description\": \"Jours f\u00e9ri\u00e9s bancaires : explications, calendrier, conseils pour anticiper ces p\u00e9riodes et s\u00e9curiser sa tr\u00e9sorerie.\",\n  \"image\": {\n  \"@type\": \"ImageObject\",\n  \"height\": \"600\",\n  \"width\": \"1000\",\n  \"url\": \"https:\/\/www.centralpay.com\/wp-content\/uploads\/2025\/01\/jours-feries-bancaires.jpg\"\n  },\n  \"author\": {\n  \"@type\": \"Person\",\n  \"name\": \"CentralPay\"\n  },\n  \"publisher\": {\n  \"@type\": \"Organization\",\n  \"name\": \"CentralPay\",\n  \"logo\": {\n  \"@type\": \"imageObject\",\n  \"url\": \"https:\/\/www.centralpay.com\/assets\/images\/logo.png\"\n  }\n  },\n  \"mainEntityOfPage\": true,\n  \"url\": \"https:\/\/www.centralpay.com\/blog\/jours-feries-bancaires-calendrier\/\"\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Les r\u00e9seaux interbancaires europ\u00e9ens sont ferm\u00e9s tous les week-ends et certains jours sp\u00e9cifiques : les jours f\u00e9ri\u00e9s bancaires. Pendant ces fermetures, les paiements SEPA entre banques sont report\u00e9s au jour ouvr\u00e9 suivant.<\/p>\n<p>Explications, calendrier et conseils pratiques : voici l&#8217;essentiel pour bien se pr\u00e9parer.<\/p>\n","protected":false},"author":4,"featured_media":58835,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[165],"tags":[],"class_list":["post-58824","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.centralpay.com\/fr\/wp-json\/wp\/v2\/posts\/58824","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.centralpay.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.centralpay.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.centralpay.com\/fr\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.centralpay.com\/fr\/wp-json\/wp\/v2\/comments?post=58824"}],"version-history":[{"count":0,"href":"https:\/\/www.centralpay.com\/fr\/wp-json\/wp\/v2\/posts\/58824\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.centralpay.com\/fr\/wp-json\/wp\/v2\/media\/58835"}],"wp:attachment":[{"href":"https:\/\/www.centralpay.com\/fr\/wp-json\/wp\/v2\/media?parent=58824"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.centralpay.com\/fr\/wp-json\/wp\/v2\/categories?post=58824"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.centralpay.com\/fr\/wp-json\/wp\/v2\/tags?post=58824"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}