- Les banques pourront facturer jusqu'à 60 € par an sur les comptes inactifs de plus de 12 mois
- Effectuez une opération tous les 11 mois pour rester actif légalement
- Transférez moins de 1,50 € suffit à annuler la commission en 2026
Introduction
Nouvelles commissions sur comptes inactifs en 2026
Le décret n°2026-1783 publié au Journal Officiel du 15 décembre 2026 autorise les établissements bancaires à appliquer une commission annuelle de 60 euros maximum sur les comptes inactifs à compter du 1er mars 2026. Cette mesure concerne l'ensemble des comptes de dépôt détenus par des particuliers résidant en France.
Un compte est légalement considéré comme inactif après 12 mois consécutifs sans opération initiée par le client. Sont exclus de ce décompte: les crédits d'intérêts, les prélèvements automatiques de frais de tenue de compte, les opérations fiscales et les régularisations internes de la banque. Les mouvements entre comptes joints d'un même client au sein d'une même banque ne comptent pas comme opération réactivante.
Selon les dernières données de la Banque de France datant de novembre 2026, 2,3 millions de comptes de particuliers étaient considérés comme dormants, représentant un encours total de 1,8 milliard d'euros. La moyenne des soldes sur ces comptes s'élève à 782 euros, avec 68% des comptes inactifs contenant moins de 500 euros.
Les banques doivent respecter une procédure stricte avant d'appliquer la commission: envoi d'un courrier recommandé avec accusé de réception 60 jours avant la facturation, rappel des moyens de réactivation gratuits et information sur les modalités de contestation. Le courrier doit mentionner explicitement le montant prélevable (30, 45 ou 60 euros selon les établissements) et la périodicité (annuelle).
Pour éviter cette commission, une simple opération suffit: virement ponctuel, paiement par carte même minime (1 euro), dépôt ou retrait d'espèces, ou modification des plafonds d'autorisation de découvert. Les opérations doivent être initiées par le client, non par la banque. Un virement programmé mensuel vers un autre compte constitue une solution pérenne.
Les comptes spécifiques sont exonérés: Livret A, LDDS, LEP, PEL, plans d'épargne retraite et comptes sur livret réglementés. Les comptes bloqués par décision judiciaire ou administrative ne sont pas concernés non plus. Les mineurs et majeurs sous tutelle bénéficient d'une exemption totale jusqu'à leur majorité ou levée de mesure de protection.
En cas de prélèvement injustifié, le client peut contester par courrier recommandé dans les 14 jours suivant la date de débit. La banque doit rembourser sous 8 jours ouvrés et justifier le maintien de la facturation avec preuves du statut inactif. Le médiateur de la banque ou de l'ACPR peut être saisi après refus persistant.
Les conseillers financiers recommandent de consulter régulièrement l'ensemble de ses comptes, même ceux utilisés comme sauvegarde, et de centraliser ses placements pour limiter les risques d'inactivité. La digitalisation des services bancaires accroît le risque d'oubli des comptes physiques peu utilisés.
Sources
Étapes à suivre4
Comparer les taux
Consultez les taux actuels sur les sites officiels.
Préparer le dossier
Rassemblez vos documents bancaires et justificatifs.
Effectuer la démarche
Rendez-vous en agence ou effectuez la démarche en ligne.
Suivre la demande
Conservez votre numéro de dossier et suivez l'avancement.
Conseils pratiques
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Points d'attention
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Questions fréquentes3
Quelles sont les conditions pour éviter les nouvelles commissions bancaires sur les comptes inactifs à partir de mars 2026 ?
Les conditions dépendent de votre situation personnelle. Consultez les étapes détaillées ci-dessus pour vérifier votre éligibilité et les documents nécessaires.
Combien coûte cette démarche ?
Le coût varie selon les organismes et votre situation. Les démarches en ligne sont souvent gratuites. Renseignez-vous auprès de l’organisme concerné pour connaître les frais éventuels.
Quelle est la date limite pour éviter les nouvelles commissions bancaires sur les comptes inactifs en 2026 ?
Le 28 février 2026 est la date limite pour éviter les nouvelles commissions bancaires sur les comptes inactifs en raison de l'application de la commission annuelle de 60 euros maximum à compter du 1er mars 2026, selon le décret n°2026-1783 (banque-france.fr).
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Équipe éditoriale GuidePratiquefr
Rédacteurs spécialisés en droit, fiscalité et finances
Rédigé et vérifié par notre équipe de rédacteurs spécialisés. Sources officielles consultées : service-public.fr, legifrance.gouv.fr, impots.gouv.fr, ameli.fr. Dernière vérification : 14 mai 2026.
Sources officielles consultées
Les informations contenues dans ce guide sont fournies à titre indicatif et ne remplacent pas un conseil professionnel personnalisé.