{"id":14296,"date":"2022-08-17T12:58:05","date_gmt":"2022-08-17T10:58:05","guid":{"rendered":"https:\/\/sympat.me\/fr\/facts-banking-money-germany\/"},"modified":"2022-08-17T09:56:23","modified_gmt":"2022-08-17T07:56:23","slug":"comprendre-banque-allemande","status":"publish","type":"post","link":"https:\/\/sympat.me\/fr\/comprendre-banque-allemande\/","title":{"rendered":"10 infos sur la banque et l&#8217;argent en Allemagne"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mp4fnaw-35ad86512a6a118a749823f0c315e2af\">\n.flex_column.av-mp4fnaw-35ad86512a6a118a749823f0c315e2af{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-mp4fnaw-35ad86512a6a118a749823f0c315e2af av_one_full  avia-builder-el-0  el_before_av_hr  avia-builder-el-first  first flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-5d2dad96690a4003a3de1c5f8deed05f\">\n#top .av-special-heading.av-av_heading-5d2dad96690a4003a3de1c5f8deed05f{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-av_heading-5d2dad96690a4003a3de1c5f8deed05f .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-av_heading-5d2dad96690a4003a3de1c5f8deed05f .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-5d2dad96690a4003a3de1c5f8deed05f av-special-heading-h1 blockquote modern-quote  avia-builder-el-1  el_before_av_image  avia-builder-el-first '><h1 class='av-special-heading-tag'  itemprop=\"headline\"  >La banque en Allemagne<\/h1><div class='av-subheading av-subheading_below'><p>10 infos<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-lsqc1vc-2b3b606ed9355751b6001c0b180925b2\">\n.avia-image-container.av-lsqc1vc-2b3b606ed9355751b6001c0b180925b2 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-lsqc1vc-2b3b606ed9355751b6001c0b180925b2 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-lsqc1vc-2b3b606ed9355751b6001c0b180925b2 av-styling- av-hover-grow avia-align-center  avia-builder-el-2  el_after_av_heading  el_before_av_textblock '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img class='avia_image ' src='https:\/\/sympat.me\/wp-content\/uploads\/2016\/12\/StockSnap_RM676MH2KP-845x321.jpg' alt='' title='stocksnap_rm676mh2kp'  height=\"321\" width=\"845\"  itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-lcpjb08-850a7cfc101f3f6a60e997f456ad35c2 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Il y a quelques infos que les nouveaux arrivants en Allemagne devraient savoir \u00e0 propos des cartes de d\u00e9bit allemandes, des d\u00e9couverts, de la banque en ligne, etc.<\/p>\n<p>Combien de temps faut-il pour effectuer un virement national ou international?<\/p>\n<p>Quelle banque est la plus adapt\u00e9e aux \u00e9trangers?<\/p>\n<p>Y a t-il des comptes bancaires qui ne d\u00e9duisent aucune cotisation mensuelle?<\/p>\n<p>Avant de vous pr\u00e9cipiter pour ouvrir un compte bancaire au hasard, voici 10 infos qui vous seront utiles et vous aideront \u00e0 faire le bon choix en Allemagne. <!--more--><\/p>\n<\/div><\/section><\/p><\/div><div  class='hr av-22pm0c8-f00c3cdf0637c88833fd6c92a56463b0 hr-default  avia-builder-el-4  el_after_av_one_full  el_before_av_one_full '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><\/p>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ko05zjs-078261d0b2547e97436aedf81efdbf3c\">\n.flex_column.av-ko05zjs-078261d0b2547e97436aedf81efdbf3c{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-ko05zjs-078261d0b2547e97436aedf81efdbf3c av_one_full  avia-builder-el-5  el_after_av_hr  el_before_av_hr  first flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-75881e73b18f9c91fcd7f70142a53fc4\">\n#top .av-special-heading.av-av_heading-75881e73b18f9c91fcd7f70142a53fc4{\npadding-bottom:10px;\nfont-size:22px;\n}\nbody .av-special-heading.av-av_heading-75881e73b18f9c91fcd7f70142a53fc4 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-av_heading-75881e73b18f9c91fcd7f70142a53fc4 .av-special-heading-tag{\nfont-size:22px;\n}\n.av-special-heading.av-av_heading-75881e73b18f9c91fcd7f70142a53fc4 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-av_heading-75881e73b18f9c91fcd7f70142a53fc4 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-av_heading-75881e73b18f9c91fcd7f70142a53fc4 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-75881e73b18f9c91fcd7f70142a53fc4 av-special-heading-h2 blockquote modern-quote  avia-builder-el-6  el_before_av_textblock  avia-builder-el-first  av-inherit-size'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >1. Me faut-il ouvrir un compte en banque?<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-jfm29ko-4a6dc8703d12fb5a972451a4a5c43c0f '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>H\u00e9 bien, aucune loi ne vous y oblige. Si vous poss\u00e9dez un compte bancaire dans la zone Euro, vous utilisez d\u00e9j\u00e0 vos num\u00e9ros IBAN et BIC pour envoyer et recevoir de l&#8217;argent.<\/p>\n<p>Malgr\u00e9 tout, nous vous conseillons fortement d&#8217;ouvrir un compte si vous emm\u00e9nagez en Allemagne pour y rester.<\/p>\n<p>Pourquoi cela? Tout simplement parce que de nombreuses institutions vous demanderont votre num\u00e9ro de compte. Par exemple, votre employeur&#8230; \u00e0 juste titre! ;)<\/p>\n<p>Croyez-nous, ouvrir un compte bancaire en Allemagne vous simplifiera la vie.<\/p>\n<\/div><\/section><br \/>\n<div  class='avia-builder-widget-area clearfix  avia-builder-el-8  el_after_av_textblock  avia-builder-el-last '><div id=\"custom_html-5\" class=\"widget_text widget clearfix widget_custom_html\"><div class=\"textwidget custom-html-widget\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block; text-align:center;\"\r\n     data-ad-layout=\"in-article\"\r\n     data-ad-format=\"fluid\"\r\n     data-ad-client=\"ca-pub-1790909344400932\"\r\n     data-ad-slot=\"9864754298\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div><\/div><\/div><\/p><\/div>\n<div  class='hr av-6vbrq0-315931cb24e488e40654d56c83ea341a hr-default  avia-builder-el-9  el_after_av_one_full  el_before_av_one_full '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-inepmig-1c25679b20015d685a51a1befc606417\">\n.flex_column.av-inepmig-1c25679b20015d685a51a1befc606417{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-inepmig-1c25679b20015d685a51a1befc606417 av_one_full  avia-builder-el-10  el_after_av_hr  el_before_av_hr  first flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-i6lzndk-1b494092c87156fe8930640ae5f638a9\">\n#top .av-special-heading.av-i6lzndk-1b494092c87156fe8930640ae5f638a9{\npadding-bottom:10px;\nfont-size:22px;\n}\nbody .av-special-heading.av-i6lzndk-1b494092c87156fe8930640ae5f638a9 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-i6lzndk-1b494092c87156fe8930640ae5f638a9 .av-special-heading-tag{\nfont-size:22px;\n}\n.av-special-heading.av-i6lzndk-1b494092c87156fe8930640ae5f638a9 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-i6lzndk-1b494092c87156fe8930640ae5f638a9 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-i6lzndk-1b494092c87156fe8930640ae5f638a9 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-i6lzndk-1b494092c87156fe8930640ae5f638a9 av-special-heading-h2 blockquote modern-quote  avia-builder-el-11  el_before_av_textblock  avia-builder-el-first  av-inherit-size'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >2. Est-ce que tout le monde peut ouvrir un compte en Allemagne?<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-jw86sy4w-2a8453d6bacf0dfe827e8f3e287c6a80 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Non, tout le monde ne peut pas ouvrir de compte en banque en Allemagne.<\/p>\n<p>Premi\u00e8re chose, vous devez <a href=\"https:\/\/sympat.me\/fr\/solutions\/declaration-anmeldung-allemagne\/\">\u00eatre d\u00e9clar\u00e9(e) en Allemagne<\/a> pour pouvoir ouvrir un compte.<\/p>\n<p>Et pour vous d\u00e9clarez, il vous faut un contrat de bail ou de sous-location.<\/p>\n<p>Une fois que vous \u00eates d\u00e9clar\u00e9(e), vous recevrez une attestation de d\u00e9claration (<em>Meldebescheinigung<\/em>).<\/p>\n<p>Normalement, vous devrez pr\u00e9senter ce papier \u00e0 l&#8217;ouverture de votre compte!<\/p>\n<p>Donc ne perdez pas ce document et munissez vous-en lorsque vous allez \u00e0 la banque pour ouvrir votre compte.<\/p>\n<\/div><\/section><\/p><\/div>\n<div  class='hr av-hqgyq48-c181b65499e43ae8baa0c0d3e34753a5 hr-default  avia-builder-el-13  el_after_av_one_full  el_before_av_one_full '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-67e57c-7b3addc97e31ddb3e07477484429ae9d\">\n.flex_column.av-67e57c-7b3addc97e31ddb3e07477484429ae9d{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-67e57c-7b3addc97e31ddb3e07477484429ae9d av_one_full  avia-builder-el-14  el_after_av_hr  el_before_av_hr  first flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1p49u8o-cf3baac9fdabeaa0ee1172b36c506971\">\n#top .av-special-heading.av-1p49u8o-cf3baac9fdabeaa0ee1172b36c506971{\npadding-bottom:10px;\nfont-size:22px;\n}\nbody .av-special-heading.av-1p49u8o-cf3baac9fdabeaa0ee1172b36c506971 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-1p49u8o-cf3baac9fdabeaa0ee1172b36c506971 .av-special-heading-tag{\nfont-size:22px;\n}\n.av-special-heading.av-1p49u8o-cf3baac9fdabeaa0ee1172b36c506971 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-1p49u8o-cf3baac9fdabeaa0ee1172b36c506971 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-1p49u8o-cf3baac9fdabeaa0ee1172b36c506971 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-1p49u8o-cf3baac9fdabeaa0ee1172b36c506971 av-special-heading-h2 blockquote modern-quote  avia-builder-el-15  el_before_av_textblock  avia-builder-el-first  av-inherit-size'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >3. Je ne parle pas allemand. Quel compte est le meilleur?<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-ggffxyw-ce2033431de3b50b751aa31a8d62328a '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>IL existe trois excellentes options, qui se valent, pour ouvrir un compte bancaire en Allemagne.<\/p>\n<p>Si vous ne parlez pas allemand du tout, et si vous voulez rester ind\u00e9pendant(e) pour vous occuper de vos finances, nous vous conseillons un compte \u00e0 la Deutsche Bank. \u00c7a vous co\u00fbtera peut-\u00eatre un peu plus cher, mais cette banque propose tous les services en anglais. Chaque filiale de la Deutsche Bank a un(e) employ\u00e9(e) au moins qui parle anglais. L&#8217;assistance t\u00e9l\u00e9phonique est en anglais, il vous suffit de demander. Il existe des filiales partout dans le monde.<\/p>\n<p>Un de mes amis a investit dans une assurance-retraite \u00e0 la Deutsche Bank (c&#8217;est comme une assurance-vie: vous mettez de l&#8217;argent de c\u00f4t\u00e9 tous les mois, et quand vous avez environ 65 ans, vous recevez une retraite mensuelle). Cette assurance-retraite est valable dans le monde entier, ce qui veut dire que m\u00eame si vous r\u00e9sidez dans un autre pays europ\u00e9en par la suite, la Deutsche Bank transf\u00e8rera l&#8217;argent sur un autre compte bancaire. Enfin, la Deutsche Bank propose les services de banque en ligne et banque mobile en anglais.<\/p>\n<p>Il existe des banques en ligne, comme Comdirect ou DKB, qui n&#8217;ont pas de filiales. Ce sont des comptes sur Internet seulement, ce qui est tr\u00e8s r\u00e9pandu en Allemagne. Dans ce cas, vous effectuez toutes vos op\u00e9rations courantes en ligne.<\/p>\n<p>Les avantage des banques en ligne sont les suivants:<\/p>\n<p>Vous recevrez une carte VISA. Avec celle-ci, vous pourrez retirer de l&#8217;argent gratuitement de n&#8217;importe quel distributeur en Allemagne et dans le monde. Ceci n&#8217;est pas le cas des autres banques. Par exemple, si vous avez un compte \u00e0 la Deutsche Bank, vous pourrez retirer gratuitement aux distributeurs de la Commerzbank, la Postbank, la Deutsche Bank, la Berliner Bank. Si vous retirez au distributeur d&#8217;une autre banque vous payerez des frais. Autre exemple: \u00e0 la Sparkasse, vous ne pourrez retirer gratuitement qu&#8217;\u00e0 la Sparkasse, et \u00e7a vous co\u00fbtera jusqu&#8217;\u00e0 5 \u20ac par retrait si vous retirez d&#8217;autres distributeurs.<\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap avia-button-center  avia-builder-el-17  el_after_av_textblock  avia-builder-el-last '>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-fv5o7p4-dc241e09feec3bb3279ad41dbbee2963\">\n#top #wrap_all .avia-button.av-fv5o7p4-dc241e09feec3bb3279ad41dbbee2963{\ncolor:#ffffff;\ntransition:all 0.4s ease-in-out;\n}\n#top #wrap_all .avia-button.av-fv5o7p4-dc241e09feec3bb3279ad41dbbee2963:hover{\ncolor:#ffffff;\ntransition:all 0.4s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/sympat.me\/fr\/solutions\/compte-bancaire-allemagne\/' class='avia-color-theme-color avia-button avia-button-fullwidth av-fv5o7p4-dc241e09feec3bb3279ad41dbbee2963 avia-icon_select-no avia-color-theme-color'  ><span class='avia_iconbox_title' >Les 3 meilleurs comptes bancaires<\/span><span class='avia_button_background avia-button avia-button-fullwidth avia-color-theme-color-subtle'><\/span><\/a><\/div><\/p><\/div>\n<div  class='hr av-f7ngtlk-9c14ecc7a683477d79f2e65e4cf97eb0 hr-default  avia-builder-el-18  el_after_av_one_full  el_before_av_one_full '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1ie2pco-ada5aad951d1a65ed49fdc2d4e2d5906\">\n.flex_column.av-1ie2pco-ada5aad951d1a65ed49fdc2d4e2d5906{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-1ie2pco-ada5aad951d1a65ed49fdc2d4e2d5906 av_one_full  avia-builder-el-19  el_after_av_hr  el_before_av_hr  first flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ei1ndo8-c95948e0907d1c342f28dc192fc8e98b\">\n#top .av-special-heading.av-ei1ndo8-c95948e0907d1c342f28dc192fc8e98b{\npadding-bottom:10px;\nfont-size:22px;\n}\nbody .av-special-heading.av-ei1ndo8-c95948e0907d1c342f28dc192fc8e98b .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-ei1ndo8-c95948e0907d1c342f28dc192fc8e98b .av-special-heading-tag{\nfont-size:22px;\n}\n.av-special-heading.av-ei1ndo8-c95948e0907d1c342f28dc192fc8e98b .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-ei1ndo8-c95948e0907d1c342f28dc192fc8e98b .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-ei1ndo8-c95948e0907d1c342f28dc192fc8e98b .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-ei1ndo8-c95948e0907d1c342f28dc192fc8e98b av-special-heading-h2 blockquote modern-quote  avia-builder-el-20  el_before_av_textblock  avia-builder-el-first  av-inherit-size'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >4. De quels documents ai-je besoin pour ouvrir un compte bancaire en Allemagne?<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-dvk8krc-d759371d19515d73b5f2a55094f2cde8 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Pour ouvrir un compte un banque, il vous faudra:<\/p>\n<ul>\n<li>votre passeport,<\/li>\n<li>votre attestation de d\u00e9claration (<em>Meldebescheinigung<\/em>).<\/li>\n<\/ul>\n<p>Dans certaines filiales, on vous demandera peut-\u00eatre aussi:<\/p>\n<ul>\n<li>une attestation de salaire de votre employeur (\u00e7a d\u00e9pend du compte en banque)<\/li>\n<li>une attestation de travail, si vous en avez une.<\/li>\n<\/ul>\n<\/div><\/section><\/p><\/div>\n<div  class='hr av-dnlsxmg-9a2d0554b6a1ced8ed3516c03ec7eb23 hr-default  avia-builder-el-22  el_after_av_one_full  el_before_av_one_full '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-czotzq0-227ed80db4c0938d22223c144e45f5bd\">\n.flex_column.av-czotzq0-227ed80db4c0938d22223c144e45f5bd{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-czotzq0-227ed80db4c0938d22223c144e45f5bd av_one_full  avia-builder-el-23  el_after_av_hr  el_before_av_hr  first flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-389ea8e6476eb110881a7d09cb09d553\">\n#top .av-special-heading.av-av_heading-389ea8e6476eb110881a7d09cb09d553{\npadding-bottom:10px;\nfont-size:22px;\n}\nbody .av-special-heading.av-av_heading-389ea8e6476eb110881a7d09cb09d553 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-av_heading-389ea8e6476eb110881a7d09cb09d553 .av-special-heading-tag{\nfont-size:22px;\n}\n.av-special-heading.av-av_heading-389ea8e6476eb110881a7d09cb09d553 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-av_heading-389ea8e6476eb110881a7d09cb09d553 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-av_heading-389ea8e6476eb110881a7d09cb09d553 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-389ea8e6476eb110881a7d09cb09d553 av-special-heading-h2 blockquote modern-quote  avia-builder-el-24  el_before_av_textblock  avia-builder-el-first  av-inherit-size'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >5. Quels types de cartes bancaires y a-t-il en Allemagne?<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-c0fyza0-f92021f0093dc59d45596d84dcbcc290 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>La carte la plus r\u00e9pandue est la &#8220;<em>EC-Karte<\/em>&#8220;: c&#8217;est une carte de d\u00e9bit, que vous pourrez utiliser dans la plupart des magasins.<\/p>\n<p>Vous pouvez \u00e9galement retirer de l&#8217;argent des distributeurs avec. Mais attention, vous devrez peut-\u00eatre payer des frais de retrait selon les banques (cf. paragraphe ci-dessus)!<\/p>\n<p>Vous recevrez dans deux enveloppes diff\u00e9rentes votre <em>EC-Karte<\/em> et un code PIN \u00e0 4 chiffres. Dans les magasins, on peut vous demander votre signature ou votre code PIN. La carte VISA est aussi utilis\u00e9e en Allemagne, en plus de la <em>EC-Karte,<\/em> mais beaucoup moins. La raison est qu&#8217;il faut payer des frais en g\u00e9n\u00e9ral dans les magasins lorsqu&#8217;on a une VISA. Pour plus de d\u00e9tails, sur ce sujet, adressez-vous \u00e0 votre banque. La plupart des gens utilisent leurs carte VISA pour des achats sur Internet.<\/p>\n<blockquote>\n<p>Veuillez noter que payer en esp\u00e8ces est tr\u00e8s r\u00e9pandu est Allemagne! C&#8217;est surtout dans les petits caf\u00e9s et bistrots qu&#8217;on ne va accepter <strong>aucune<\/strong> carte. Il n&#8217;y a pas de ch\u00e8ques en Allemagne.<\/p>\n<\/blockquote>\n<p>Beaucoup de banques proposent des cartes MasterCard ou VISA. Si vous les utilisez, vous paierez g\u00e9n\u00e9ralement des frais d&#8217;utilisation pour vos achats. C&#8217;est pourquoi c&#8217;est souvent moins cher de payer en esp\u00e8ces ou avec une <em>EC-Karte<\/em>. Number26 est par exemple bas\u00e9 sur le mod\u00e8le financier: comptes bancaires gratuits, mais frais avec l&#8217;utilisation de la carte Mastercard. Ce qu&#8217;on en retient: si vous voyez une publicit\u00e9 avec les mots &#8220;gratuit&#8221;, cherchez les co\u00fbts cach\u00e9s. Au moins, avec la Deutsche Bank ou la DKB, il n&#8217;y en a pas.<\/p>\n<\/div><\/section><br \/>\n<div  class='avia-builder-widget-area clearfix  avia-builder-el-26  el_after_av_textblock  avia-builder-el-last '><div id=\"custom_html-5\" class=\"widget_text widget clearfix widget_custom_html\"><div class=\"textwidget custom-html-widget\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block; text-align:center;\"\r\n     data-ad-layout=\"in-article\"\r\n     data-ad-format=\"fluid\"\r\n     data-ad-client=\"ca-pub-1790909344400932\"\r\n     data-ad-slot=\"9864754298\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div><\/div><\/div><\/p><\/div>\n<div  class='hr av-bmb5xp4-ffabeb0397706b8b535c8a90093ebe27 hr-default  avia-builder-el-27  el_after_av_one_full  el_before_av_one_full '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-b327ipk-2da6fb699ef0aa330f92f9fdef047b66\">\n.flex_column.av-b327ipk-2da6fb699ef0aa330f92f9fdef047b66{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-b327ipk-2da6fb699ef0aa330f92f9fdef047b66 av_one_full  avia-builder-el-28  el_after_av_hr  el_before_av_hr  first flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-aogshco-cec6183e7e074b787012917ca160a4a0\">\n#top .av-special-heading.av-aogshco-cec6183e7e074b787012917ca160a4a0{\npadding-bottom:10px;\nfont-size:22px;\n}\nbody .av-special-heading.av-aogshco-cec6183e7e074b787012917ca160a4a0 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-aogshco-cec6183e7e074b787012917ca160a4a0 .av-special-heading-tag{\nfont-size:22px;\n}\n.av-special-heading.av-aogshco-cec6183e7e074b787012917ca160a4a0 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-aogshco-cec6183e7e074b787012917ca160a4a0 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-aogshco-cec6183e7e074b787012917ca160a4a0 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-aogshco-cec6183e7e074b787012917ca160a4a0 av-special-heading-h2 blockquote modern-quote  avia-builder-el-29  el_before_av_textblock  avia-builder-el-first  av-inherit-size'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >6. Je n\u2019ai ni carte VISA, ni droit au d\u00e9couvert! Pourquoi?<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-ae5gfco-06cf48bcb1ccc2a538c15cd1e9f11485 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><span style=\"line-height: 1.5;\">Si vous n&#8217;avez jamais habit\u00e9 en Allemagne auparavant et si vous n&#8217;avez pas de relev\u00e9 de Schufa (institut de cr\u00e9dit priv\u00e9 allemand qui recense les dettes des personnes), il est possible que la banque ne vous accorde ni de carte VISA, ni de d\u00e9couvert.<br \/>\n<\/span><\/p>\n<p><span style=\"line-height: 1.5;\">C&#8217;est parce que les banques veulent v\u00e9rifier si vous allez gagner votre vie.<br \/>\n<\/span><\/p>\n<p><span style=\"line-height: 1.5;\">Une fois que vous aurez re\u00e7u votre salaire pendant 3 mois, la banque devrait vous fournir les deux, selon le montant de votre salaire.<br \/>\n<\/span><\/p>\n<p>La DKB fait une exception: vous avez automatiquement droit \u00e0 500 \u20ac de d\u00e9couvert. Et cette autorisation de d\u00e9couvert augmente si vous avez un revenu r\u00e9gulier.<\/p>\n<\/div><\/section><\/p><\/div>\n<div  class='hr av-a2s7248-92b4b0f6429f87e6b304cf62d4b3e634 hr-default  avia-builder-el-31  el_after_av_one_full  el_before_av_image '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-9c74r6g-7343f42fd9087e58591c6bfa1faad565\">\n.avia-image-container.av-9c74r6g-7343f42fd9087e58591c6bfa1faad565 img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-9c74r6g-7343f42fd9087e58591c6bfa1faad565 .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-9c74r6g-7343f42fd9087e58591c6bfa1faad565 av-styling- av-hover-grow avia-align-center  avia-builder-el-32  el_after_av_hr  el_before_av_hr '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img class='avia_image ' src='https:\/\/sympat.me\/wp-content\/uploads\/2015\/01\/picjumbo.com_HNCK3323-1500x430.jpg' alt='' title='picjumbo.com_HNCK3323'  height=\"430\" width=\"1500\"  itemprop=\"thumbnailUrl\"  \/><\/div><\/div><\/div>\n<div  class='hr av-911bb08-51ce28c1d80dc66743e44962ee69a1a4 hr-default  avia-builder-el-33  el_after_av_image  el_before_av_one_full '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-8nb5iwo-983ccc08f49234cd222e171b65e8488c\">\n.flex_column.av-8nb5iwo-983ccc08f49234cd222e171b65e8488c{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-8nb5iwo-983ccc08f49234cd222e171b65e8488c av_one_full  avia-builder-el-34  el_after_av_hr  el_before_av_hr  first flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-87bd7rs-ae2213569ec1c34232e25e91426ade0e\">\n#top .av-special-heading.av-87bd7rs-ae2213569ec1c34232e25e91426ade0e{\npadding-bottom:10px;\nfont-size:22px;\n}\nbody .av-special-heading.av-87bd7rs-ae2213569ec1c34232e25e91426ade0e .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-87bd7rs-ae2213569ec1c34232e25e91426ade0e .av-special-heading-tag{\nfont-size:22px;\n}\n.av-special-heading.av-87bd7rs-ae2213569ec1c34232e25e91426ade0e .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-87bd7rs-ae2213569ec1c34232e25e91426ade0e .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-87bd7rs-ae2213569ec1c34232e25e91426ade0e .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-87bd7rs-ae2213569ec1c34232e25e91426ade0e av-special-heading-h2 blockquote modern-quote  avia-builder-el-35  el_before_av_textblock  avia-builder-el-first  av-inherit-size'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >7. Existe-t-il un compte bancaire gratuit en Allemagne?<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-7hoprlk-54ae801540333a15bc6eaa6d75708620 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>La plupart des banques allemandes facturent des frais r\u00e9duits pour un compte courant. Les banques les plus importantes sont la Deutsche Bank, la Postbank, la Commerzbank, la Sparkasse et la Volksbank. Elles ont toutes des filiales dans lesquelles vous pourrez vous rendre en personne.<\/p>\n<p><strong>Les \u00e9tudiants doivent-ils payer des frais bancaires?<\/strong><\/p>\n<p>Non. Si vous \u00eates \u00e9tudiant(e) ou mineur(e), vous ne devrez r\u00e9gler aucun frais dans ces banques.<\/p>\n<p><strong>Pourquoi est-ce que les compte en ligne sont si populaires?<\/strong><\/p>\n<p>La plupart des comptes en ligne sont gratuits en Allemagne, voil\u00e0 pourquoi. Par exemple, la DKB ou Comdirect. Number26 \u00e9tait gratuite, mais \u00e0 pr\u00e9sent vous devrez payer pour effectuer des retraits et d&#8217;autres op\u00e9rations.<\/p>\n<p><strong>Pourquoi sont-ils gratuits?<\/strong><\/p>\n<p>Avoir un compte bancaire gratuit signifie que vous ne pourrez pas vous rendre dans une filiale en cas de probl\u00e8me. Vous devrez appeler l&#8217;assistance t\u00e9l\u00e9phonique dans ce cas. Les banques en ligne les plus populaires en Allemagne sont la DKB et la Comdirect. Elles proposent des comptes gratuits, des cartes bancaires gratuites, ainsi que des retraits gratuits dans le monde entier.<\/p>\n<p>Mais ces comptes peuvent avoir des co\u00fbts cach\u00e9s, par exemple si vous perdez votre carte, ou s&#8217;il vous faut un nouveau code PIN. Donc ne perdez pas vos cartes! ;)<\/p>\n<p>La plupart des services qu&#8217;ils offrent et les op\u00e9rations sont en allemand.<\/p>\n<p><strong>Quelle banque en ligne propose un d\u00e9couvert gratuit?<\/strong><\/p>\n<p>Si vous ouvrez un compte \u00e0 la DKB, vous pourrez automatiquement avoir un d\u00e9couvert de 500 \u20ac. Si vous avez un revenu r\u00e9gulier, l&#8217;autorisation de d\u00e9couvert augmente.<\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap av-73x8tyw-69d3c721a28984d9fd8d27f8c2255ba8-wrap avia-button-center  avia-builder-el-37  el_after_av_textblock  avia-builder-el-last '><a href='https:\/\/sympat.me\/fr\/solutions\/compte-bancaire-allemagne\/'  class='avia-button av-73x8tyw-69d3c721a28984d9fd8d27f8c2255ba8 avia-icon_select-yes-left-icon avia-size-large avia-position-center avia-color-theme-color'  ><span class='avia_button_icon avia_button_icon_left' aria-hidden='true' data-av_icon='\ue832' data-av_iconfont='entypo-fontello'><\/span><span class='avia_iconbox_title' >Ouvrir un compte bancaire gratuitement en 2 minutes<\/span><\/a><\/div><\/p><\/div>\n<div  class='hr av-6iha708-9538b274f2e680ec33c86c067fe01c17 hr-default  avia-builder-el-38  el_after_av_one_full  el_before_av_one_full '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-62l2hi0-454da609347766a08cd6a0e7bb2dc642\">\n.flex_column.av-62l2hi0-454da609347766a08cd6a0e7bb2dc642{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-62l2hi0-454da609347766a08cd6a0e7bb2dc642 av_one_full  avia-builder-el-39  el_after_av_hr  el_before_av_hr  first flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-5q8uz20-c586ae09470f79f2f319ea1853d9f8e5\">\n#top .av-special-heading.av-5q8uz20-c586ae09470f79f2f319ea1853d9f8e5{\npadding-bottom:10px;\nfont-size:22px;\n}\nbody .av-special-heading.av-5q8uz20-c586ae09470f79f2f319ea1853d9f8e5 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-5q8uz20-c586ae09470f79f2f319ea1853d9f8e5 .av-special-heading-tag{\nfont-size:22px;\n}\n.av-special-heading.av-5q8uz20-c586ae09470f79f2f319ea1853d9f8e5 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-5q8uz20-c586ae09470f79f2f319ea1853d9f8e5 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-5q8uz20-c586ae09470f79f2f319ea1853d9f8e5 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-5q8uz20-c586ae09470f79f2f319ea1853d9f8e5 av-special-heading-h2 blockquote modern-quote  avia-builder-el-40  el_before_av_textblock  avia-builder-el-first  av-inherit-size'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >8. Online banking en Allemagne \u2013 \u00e7a marche comment?<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-53zyo3c-ebe99449208afbda86db2fd34c5ee59a '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Selon la banque que vous choisissez, vous recevrez en g\u00e9n\u00e9ral par lettres s\u00e9par\u00e9es: une <em>EC-Karte<\/em>, un code PIN, un code d&#8217;acc\u00e8s \u00e0 la banque en ligne, un code PIN pour la banque en ligne, une liste avec des num\u00e9ros &#8220;TAN&#8221; (sauf si vous avez pris l&#8217;option &#8220;mobile TAN&#8221;), et parfois un scanner de carte.Vous pourrez vous connecter \u00e0 la banque en ligne en utilisant le code PIN et le code d&#8217;acc\u00e8s. Donc vous pourrez voir votre compte et les op\u00e9rations courantes. Vous pourrez effectuer des virements en utilisant les num\u00e9ros &#8220;TAN&#8221;: pour chaque transaction, le syst\u00e8me vous demandera de rentrer un des num\u00e9ros. Depuis 2014, la plupart des banques demandent aussi le nom du destinataire, les num\u00e9ros IBAN et BIC, ainsi que l&#8217;objet du virement.<\/p>\n<p>De plus en plus de banques utilisent les num\u00e9ros TAN \u00e9lectroniques: vous utilisez une application sur votre t\u00e9l\u00e9phone qui g\u00e9n\u00e8re un num\u00e9ro TAN pour chaque transaction. Cette m\u00e9thode est plus s\u00fbre que les num\u00e9ros TAN en version papier. Sans parler du fait que vous n&#8217;avez pas toujours besoin de vous trimballer cette longue liste de num\u00e9ros pour chaque virement!<\/p>\n<p>Mise \u00e0 jour: beaucoup de banques proposent maintenant des <em>Photo Tan <\/em>ou<em> Push Tan.<\/em> Pour utiliser cette option, vous devez t\u00e9l\u00e9charger l&#8217;application de votre banque sur Appstore ou Google Play. Si vous \u00eates \u00e0 la DKB, t\u00e9l\u00e9chargez &#8220;DKB online banking&#8221; et &#8220;DKB push tan&#8221;. En g\u00e9n\u00e9ral si vous tapez le nom de votre banque, vous trouvez l&#8217;application correcte. A mon avis, c&#8217;est la mani\u00e8re la plus efficace de virer de l&#8217;argent.<\/p>\n<p>Comment \u00e7a marche?<\/p>\n<p>Vous ouvrez l&#8217;application de la banque en ligne. Vous entrez les d\u00e9tails de votre virement. Une boite de dialogue s&#8217;ouvre, et vous demande votre num\u00e9ro TAN. Vous cliquez sur le bouton &#8220;photo Tan&#8221; ou &#8220;push tan&#8221;. La deuxi\u00e8me application devrait s&#8217;ouvrir automatiquement. Vous devez entrer un mot de passe, et un num\u00e9ro TAN unique est g\u00e9n\u00e9r\u00e9. Il est transf\u00e9r\u00e9 \u00e0 la premi\u00e8re application automatiquement. Vous devez confirmer les donn\u00e9es, et votre virement est effectu\u00e9. Enti\u00e8rement sans papier.<\/p>\n<h3><\/h3>\n<\/div><\/section><\/p><\/div>\n<div  class='hr av-4r5003c-f00feffb41fa719f06660a04afccae9e hr-default  avia-builder-el-42  el_after_av_one_full  el_before_av_one_full '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-4f6lqvs-a2ac74bec8889e0d70352d61a0c3b393\">\n.flex_column.av-4f6lqvs-a2ac74bec8889e0d70352d61a0c3b393{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-4f6lqvs-a2ac74bec8889e0d70352d61a0c3b393 av_one_full  avia-builder-el-43  el_after_av_hr  el_before_av_hr  first flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-3s08vq0-e932e9c0cc4677c4b121d388e5ff30e6\">\n#top .av-special-heading.av-3s08vq0-e932e9c0cc4677c4b121d388e5ff30e6{\npadding-bottom:10px;\nfont-size:22px;\n}\nbody .av-special-heading.av-3s08vq0-e932e9c0cc4677c4b121d388e5ff30e6 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-3s08vq0-e932e9c0cc4677c4b121d388e5ff30e6 .av-special-heading-tag{\nfont-size:22px;\n}\n.av-special-heading.av-3s08vq0-e932e9c0cc4677c4b121d388e5ff30e6 .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-3s08vq0-e932e9c0cc4677c4b121d388e5ff30e6 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-3s08vq0-e932e9c0cc4677c4b121d388e5ff30e6 .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-3s08vq0-e932e9c0cc4677c4b121d388e5ff30e6 av-special-heading-h2 blockquote modern-quote  avia-builder-el-44  el_before_av_textblock  avia-builder-el-first  av-inherit-size'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >9. Combien de temps prennent les virements?<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-3aoj6e0-4498ef1383fcae0e80b38992375573b2 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Si vous transf\u00e9rez de l&#8217;argent entre comptes bancaires de la m\u00eame banque, l&#8217;argent arrivera le jour m\u00eame de l&#8217;envoi.<\/p>\n<p>Cependant, il vous faudra compte 1 \u00e0 3 jours ouvr\u00e9s pour des virements entre deux banques diff\u00e9rentes. C&#8217;est l&#8217;un des virements les plus longs d&#8217;Europe, c&#8217;est vrai. \u00c7a peut \u00eatre vraiment ennuyant, mais c&#8217;est comme \u00e7a!<\/p>\n<h3><\/h3>\n<\/div><\/section><\/p><\/div>\n<div  class='hr av-2vsimgo-f90d0da19c2496b833462583f4641bc0 hr-default  avia-builder-el-46  el_after_av_one_full  el_before_av_one_full '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2r2asm0-733988b6292290f4629e77dca4c844e1\">\n.flex_column.av-2r2asm0-733988b6292290f4629e77dca4c844e1{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-2r2asm0-733988b6292290f4629e77dca4c844e1 av_one_full  avia-builder-el-47  el_after_av_hr  el_before_av_textblock  first flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1vvyk54-bb96820efa9a7315cd7a472fea29952a\">\n#top .av-special-heading.av-1vvyk54-bb96820efa9a7315cd7a472fea29952a{\npadding-bottom:10px;\nfont-size:22px;\n}\nbody .av-special-heading.av-1vvyk54-bb96820efa9a7315cd7a472fea29952a .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-1vvyk54-bb96820efa9a7315cd7a472fea29952a .av-special-heading-tag{\nfont-size:22px;\n}\n.av-special-heading.av-1vvyk54-bb96820efa9a7315cd7a472fea29952a .av-subheading{\nfont-size:15px;\n}\n\n@media only screen and (min-width: 480px) and (max-width: 767px){ \n#top #wrap_all .av-special-heading.av-1vvyk54-bb96820efa9a7315cd7a472fea29952a .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n\n@media only screen and (max-width: 479px){ \n#top #wrap_all .av-special-heading.av-1vvyk54-bb96820efa9a7315cd7a472fea29952a .av-special-heading-tag{\nfont-size:0.8em;\n}\n}\n<\/style>\n<div  class='av-special-heading av-1vvyk54-bb96820efa9a7315cd7a472fea29952a av-special-heading-h2 blockquote modern-quote  avia-builder-el-48  el_before_av_textblock  avia-builder-el-first  av-inherit-size'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >10. Comment puis-je envoyer de l\u2018argent \u00e0 l\u2019\u00e9tranger?<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-1rwy8mw-69ebbb685e2e8fbdf6127658f7b7b005 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Si vous envoyez de l&#8217;argent de votre compte bancaire allemand vers la zone Euro, \u00e7a ne prendra en g\u00e9n\u00e9ral qu&#8217;un \u00e0 trois jours ouvr\u00e9s.<\/p>\n<p>Si vous voulez envoyer de l&#8217;argent \u00e0 l&#8217;\u00e9tranger, un moyen rapide est TransferWise. Je vous le conseille si vous voulez effectuer des virements entre pays europ\u00e9ens et non-europ\u00e9ens.<\/p>\n<p>Vous \u00e9conomiserez jusqu&#8217;\u00e0 90% en comparaison d&#8217;autres services de transfert d&#8217;argent. Avec TransferWise, vous utiliserez votre <em>EC-Karte<\/em>, ou bien vous ferez un virement bancaire normal. Leur m\u00e9thode? Ils vous font correspondre \u00e0 quelqu&#8217;un qui envoie de l&#8217;argent dans l&#8217;autre sens, si bien que votre argent ne quitte th\u00e9oriquement pas le pays. L&#8217;argent arrive en 1 ou 2 jours.<\/p>\n<\/div><\/section><br \/>\n<div  class='avia-button-wrap avia-button-center  avia-builder-el-50  el_after_av_textblock  avia-builder-el-last '>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-106g5zs-048533548b230ad6b22110a96088a63d\">\n#top #wrap_all .avia-button.av-106g5zs-048533548b230ad6b22110a96088a63d{\ncolor:#ffffff;\ntransition:all 0.4s ease-in-out;\n}\n#top #wrap_all .avia-button.av-106g5zs-048533548b230ad6b22110a96088a63d:hover{\ncolor:#ffffff;\ntransition:all 0.4s ease-in-out;\n}\n<\/style>\n<a href='https:\/\/sympat.me\/fr\/solutions\/transfert-argent-allemagne\/' class='avia-color-theme-color avia-button avia-button-fullwidth av-106g5zs-048533548b230ad6b22110a96088a63d avia-icon_select-no avia-color-theme-color'  ><span class='avia_iconbox_title' >3 fa\u00e7ons de transf\u00e9rer de l\u2018argent vers l\u2019\u00e9tranger depuis l\u2019Allemagne<\/span><span class='avia_button_background avia-button avia-button-fullwidth avia-color-theme-color-subtle'><\/span><\/a><\/div><\/p><\/div>\n<section  class='av_textblock_section av-r17ggo-8025a99e3c170a04d6e688dfaa85cc8d '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><div class=\"l-span-6\">\u00a0<strong>Vous aimeriez ajouter quelque chose? Nous faisons de notre mieux pour mettre cet article \u00e0 jour. N\u00e9anmoins, si vous rep\u00e9rez quelque chose qui est\u00a0inexact, nous vous remercions de <a href=\"https:\/\/sympat.me\/?page_id=10638\">nous le faire savoir<\/a>.<\/strong><\/div>\n<hr \/>\n<p><em><span class=\"b4\">\u00a9 2016\u00a0Copyright, SympatMe, Expat Services UG (haftungsbeschr\u00e4nkt). Tous les droits sont r\u00e9serv\u00e9s.\u00a0<\/span><span class=\"b4\">Expat Services UG (haftungsbeschr\u00e4nkt) d\u00e9cline toute responsabilit\u00e9 quant \u00e0 l&#8217;exactitude, la pr\u00e9cision, la pertinence, la fiabilit\u00e9 et l&#8217;exhaustivit\u00e9 des informations publi\u00e9es.<\/span><\/em><\/p>\n<p><em>\u00a0<\/em><\/p>\n<\/div><\/section>\n<script>\n(function() {\n    const cbHtml = atob('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');\n    const divsToInsertBlocker = document.querySelectorAll('div.ginput_container.ginput_recaptcha');\n    for (const div of divsToInsertBlocker) {\n        div.innerHTML = cbHtml;\n    }\n\n})()\n<\/script><template id=\"brlbs-cmpnt-cb-template-enfold-recaptcha\">\n <div class=\"brlbs-cmpnt-container brlbs-cmpnt-content-blocker\" data-borlabs-cookie-content-blocker-id=\"enfold-recaptcha\" data-borlabs-cookie-content=\"\" ><div class=\"brlbs-cmpnt-cb-preset-b brlbs-cmpnt-cb-enfold-recaptcha\"> <div class=\"brlbs-cmpnt-cb-thumbnail\" style=\"background-image: url('https:\/\/sympat.me\/wp-content\/uploads\/borlabs-cookie\/1\/bct-google-recaptcha-main.png')\"><\/div> <div class=\"brlbs-cmpnt-cb-main\"> <div class=\"brlbs-cmpnt-cb-content\"> <p class=\"brlbs-cmpnt-cb-description\">You need to load content from <strong>reCAPTCHA<\/strong> to submit the form. Please note that doing so will share data with third-party providers.<\/p> <a class=\"brlbs-cmpnt-cb-provider-toggle\" href=\"#\" data-borlabs-cookie-show-provider-information role=\"button\">More Information<\/a> <\/div> <div class=\"brlbs-cmpnt-cb-buttons\"> <a class=\"brlbs-cmpnt-cb-btn\" href=\"#\" data-borlabs-cookie-unblock role=\"button\">Unblock content<\/a> <a class=\"brlbs-cmpnt-cb-btn\" href=\"#\" data-borlabs-cookie-accept-service role=\"button\" style=\"display: inherit\">Accept required service and unblock content<\/a> <\/div> <\/div> <\/div><\/div>\n<\/template>","protected":false},"excerpt":{"rendered":"<p>Il y a quelques infos que les nouveaux arrivants en Allemagne devraient savoir \u00e0 propos des cartes de d\u00e9bit allemandes, des d\u00e9couverts, de la banque en ligne, etc. Combien de temps faut-il pour effectuer un virement national ou international? Quelle banque est la plus adapt\u00e9e aux \u00e9trangers? Y a t-il des comptes bancaires qui ne [&hellip;]<\/p>\n","protected":false},"author":46,"featured_media":32433,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[478],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>10 choses \u00e0 savoir sur la banque en Allemagne<\/title>\n<meta name=\"description\" content=\"Qu&#039;est-ce que c&#039;est, une EC-Karte? Comment avoir un d\u00e9couvert? Comment marche la banque en ligne? 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