{"id":14228,"date":"2025-07-30T17:16:36","date_gmt":"2025-07-30T15:16:36","guid":{"rendered":"https:\/\/noelse.com\/professionnels\/?p=14228"},"modified":"2025-08-06T14:56:10","modified_gmt":"2025-08-06T12:56:10","slug":"frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa","status":"publish","type":"post","link":"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/","title":{"rendered":"Frais \u00e0 l&rsquo;\u00e9tranger : tarifs exact zone SEPA vs hors SEPA"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"14228\" class=\"elementor elementor-14228\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c03efd3 e-flex e-con-boxed e-con e-parent\" data-id=\"c03efd3\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d83bef1 elementor-widget elementor-widget-image\" data-id=\"d83bef1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" width=\"800\" height=\"800\" src=\"https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/07\/ChatGPT-Image-30-juil.-2025-17_16_03_11zon.webp\" class=\"attachment-large size-large wp-image-14230\" alt=\"SEPA\" srcset=\"https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/07\/ChatGPT-Image-30-juil.-2025-17_16_03_11zon.webp 1024w, https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/07\/ChatGPT-Image-30-juil.-2025-17_16_03_11zon-300x300.webp 300w, https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/07\/ChatGPT-Image-30-juil.-2025-17_16_03_11zon-150x150.webp 150w, https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/07\/ChatGPT-Image-30-juil.-2025-17_16_03_11zon-768x768.webp 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8caa6cd elementor-widget elementor-widget-text-editor\" data-id=\"8caa6cd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-renderer-start-pos=\"15\"><strong data-renderer-mark=\"true\">Combien co\u00fbtent r\u00e9ellement vos virements internationaux et paiements par carte bancaire ?<\/strong> La diff\u00e9rence entre zone SEPA et hors SEPA peut repr\u00e9senter des \u00e9carts consid\u00e9rables. <strong data-renderer-mark=\"true\">Selon les experts bancaires, les marges peuvent atteindre 3% en plus du taux de change moyen du march\u00e9<\/strong> pour les transferts d&rsquo;argent hors SEPA. <strong data-renderer-mark=\"true\">Noelse applique une grille tarifaire transparente<\/strong> qui vous permet d&rsquo;anticiper pr\u00e9cis\u00e9ment vos frais bancaires professionnels.<\/p><h2 data-renderer-start-pos=\"461\">Tarifs exacts par zone g\u00e9ographique<\/h2><h3 data-renderer-start-pos=\"498\">Quel est le co\u00fbt d&rsquo;un virement SEPA ?<\/h3><p data-renderer-start-pos=\"537\"><strong data-renderer-mark=\"true\">Zone SEPA (36 pays europ\u00e9ens) : \u00e9conomies maximales<\/strong><\/p><ul class=\"ak-ul\" data-indent-level=\"1\"><li><p data-renderer-start-pos=\"592\"><strong data-renderer-mark=\"true\">Paiements carte bancaire en euros : 0\u20ac de frais<\/strong> &#8211; Aucun suppl\u00e9ment appliqu\u00e9, IBAN fran\u00e7ais reconnu<\/p><\/li><li><p data-renderer-start-pos=\"694\"><strong data-renderer-mark=\"true\">Paiements en devise locale : Taux de change Mastercard uniquement<\/strong> &#8211; Pas de commission suppl\u00e9mentaire sur le compte bancaire<\/p><\/li><li><p data-renderer-start-pos=\"821\"><strong data-renderer-mark=\"true\">Virement SEPA : Gratuit<\/strong> &#8211; Transferts d&rsquo;argent instantan\u00e9s sans frais bancaires<\/p><\/li><li><p data-renderer-start-pos=\"903\"><strong data-renderer-mark=\"true\">Retraits distributeurs : 2\u20ac par op\u00e9ration + taux de change<\/strong> &#8211; Tarif fixe quel que soit le montant<\/p><\/li><\/ul><h3 data-renderer-start-pos=\"1003\">Quels sont les frais pour un virement hors zone SEPA ?<\/h3><p data-renderer-start-pos=\"1059\"><strong data-renderer-mark=\"true\">Hors zone SEPA : co\u00fbts major\u00e9s avec code SWIFT<\/strong><\/p><ul class=\"ak-ul\" data-indent-level=\"1\"><li><p data-renderer-start-pos=\"1109\"><strong data-renderer-mark=\"true\">Paiements carte bancaire toutes devises : 2% du montant + taux de change<\/strong> &#8211; Commission fixe sur chaque transaction<\/p><\/li><li><p data-renderer-start-pos=\"1226\"><strong data-renderer-mark=\"true\">Virement international SWIFT : 0,1% minimum 22\u20ac + frais de change<\/strong> &#8211; Selon standards bancaires europ\u00e9ens<\/p><\/li><li><p data-renderer-start-pos=\"1333\"><strong data-renderer-mark=\"true\">Retraits distributeurs : 2% du montant + taux de change<\/strong> &#8211; Pourcentage appliqu\u00e9 au lieu du forfait<\/p><\/li><li><p data-renderer-start-pos=\"1434\"><strong data-renderer-mark=\"true\">Minimum par retrait : 2\u20ac<\/strong> &#8211; Plancher tarifaire garanti<\/p><\/li><\/ul><h3 data-renderer-start-pos=\"1491\">Qu&rsquo;est-ce que la zone hors SEPA exactement ?<\/h3><p data-renderer-start-pos=\"1537\"><strong data-renderer-mark=\"true\">Pays SEPA \u00e0 retenir<\/strong> : 27 pays Union Europ\u00e9enne + 9 associ\u00e9s (Islande, Liechtenstein, Norv\u00e8ge, Suisse, Royaume-Uni, Monaco, Saint-Marin, Vatican, Andorre)<br \/><strong data-renderer-mark=\"true\">Attention aux exclusions<\/strong> : D\u00e9partements d&rsquo;Outre-Mer fran\u00e7ais class\u00e9s hors SEPA malgr\u00e9 l&rsquo;IBAN fran\u00e7ais<br \/><strong data-renderer-mark=\"true\">Astuce frais bancaires<\/strong> : Privil\u00e9gier les paiements carte bancaire aux virements internationaux m\u00eame en zone SEPA<\/p><p data-renderer-start-pos=\"1537\">\ud83d\udc49 Comprenez <strong data-start=\"104\" data-end=\"135\">la DSP2 en toute simplicit\u00e9<\/strong> : d\u00e9couvrez ce que cette directive implique concr\u00e8tement pour votre commerce. <a class=\"\" href=\"https:\/\/noelse.com\/professionnels\/dsp2-expliquee-simplement-ce-que-ca-change-pour-votre-commerce\/\" target=\"_new\" rel=\"noopener\" data-start=\"218\" data-end=\"336\">D\u00e9couvrir<\/a><\/p><h2 data-renderer-start-pos=\"1907\">Bilan chiffr\u00e9 : exemples concrets de co\u00fbts<\/h2><p data-renderer-start-pos=\"1951\"><strong data-renderer-mark=\"true\">D\u00e9placement Londres (SEPA) &#8211; 3 jours<\/strong> :<\/p><ul class=\"ak-ul\" data-indent-level=\"1\"><li><p data-renderer-start-pos=\"1993\">Paiement restaurant 50\u00a3 par carte bancaire : 0\u20ac de frais Noelse + taux de change (~1,5%)<\/p><\/li><li><p data-renderer-start-pos=\"2085\">Virement SEPA 500\u00a3 sur compte bancaire : 0\u20ac de frais + taux de change<\/p><\/li><li><p data-renderer-start-pos=\"2158\">Retrait 100\u00a3 : 2\u20ac fixe + taux de change<\/p><\/li><li><p data-renderer-start-pos=\"2201\"><strong data-renderer-mark=\"true\">Co\u00fbt total estim\u00e9 : 2\u20ac + changes<\/strong><\/p><\/li><\/ul><p data-renderer-start-pos=\"2237\"><strong data-renderer-mark=\"true\">D\u00e9placement New York (hors SEPA) &#8211; 3 jours<\/strong> :<\/p><ul class=\"ak-ul\" data-indent-level=\"1\"><li><p data-renderer-start-pos=\"2285\">Paiement restaurant 50$ par carte bancaire : 1\u20ac de frais (2%) + taux de change<\/p><\/li><li><p data-renderer-start-pos=\"2367\">Virement international SWIFT 500$ : 5\u20ac minimum + 3% majoration taux de change<\/p><\/li><li><p data-renderer-start-pos=\"2448\">Retrait 100$ : 2\u20ac de frais (2%) + taux de change<\/p><\/li><li><p data-renderer-start-pos=\"2500\"><strong data-renderer-mark=\"true\">Co\u00fbt total estim\u00e9 : 8\u20ac + changes major\u00e9s<\/strong><\/p><\/li><\/ul><p data-renderer-start-pos=\"2544\"><strong data-renderer-mark=\"true\">\u00c9conomie annuelle zone SEPA<\/strong> : Sur 2000\u20ac de transferts d&rsquo;argent \u00e0 l&rsquo;\u00e9tranger, <strong data-renderer-mark=\"true\">\u00e9conomie de 80\u20ac\/an vs hors SEPA<\/strong> selon les comparatifs bancaires 2025<\/p><p data-renderer-start-pos=\"2691\"><strong data-renderer-mark=\"true\">Statistique cl\u00e9<\/strong> : Les alternatives modernes permettent d&rsquo;<strong data-renderer-mark=\"true\">\u00e9conomiser jusqu&rsquo;\u00e0 80% sur les frais bancaires<\/strong> par rapport aux virements SWIFT traditionnels selon Monito.<\/p><p data-renderer-start-pos=\"2856\"><strong data-renderer-mark=\"true\">Les offres Noelse Pro Smart (19\u20ac\/mois) et Pro Collect (29\u20ac\/mois)<\/strong> incluent ces tarifs pr\u00e9f\u00e9rentiels SEPA sans frais cach\u00e9s ni abonnement suppl\u00e9mentaire pour l&rsquo;international.<\/p><h2 data-renderer-start-pos=\"3030\">Conclusion<\/h2><p data-renderer-start-pos=\"3042\"><strong data-renderer-mark=\"true\">Conna\u00eetre la distinction SEPA\/hors SEPA vous fait \u00e9conomiser jusqu&rsquo;\u00e0 2% sur chaque paiement et virement international.<\/strong> Cette ma\u00eetrise des frais bancaires optimise vos budgets de transferts d&rsquo;argent tout en pr\u00e9servant votre compte bancaire professionnel. <strong data-renderer-mark=\"true\">Votre activit\u00e9 internationale m\u00e9rite-t-elle cette transparence tarifaire ?<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8874247 e-flex e-con-boxed e-con e-parent\" data-id=\"8874247\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c790e18 elementor-widget elementor-widget-heading\" data-id=\"c790e18\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ express<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-398a1ef elementor-widget elementor-widget-toggle\" data-id=\"398a1ef\" data-element_type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6031\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-6031\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quels sont les frais bancaires \u00e0 payer pour un virement \u00e0 l'\u00e9tranger ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6031\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-6031\"><p><strong data-prosemirror-content-type=\"mark\" data-prosemirror-mark-name=\"strong\">Les frais varient drastiquement selon la zone<\/strong> : virement SEPA gratuit avec simple IBAN fran\u00e7ais, mais virement international hors SEPA co\u00fbte 0,1% minimum 22\u20ac + majoration taux de change jusqu&rsquo;\u00e0 3%. <strong data-prosemirror-content-type=\"mark\" data-prosemirror-mark-name=\"strong\">Les alternatives modernes<\/strong> comme Wise proposent des transferts d&rsquo;argent \u00e0 partir de 0,42% sans minimum, soit <strong data-prosemirror-content-type=\"mark\" data-prosemirror-mark-name=\"strong\">80% d&rsquo;\u00e9conomie vs virements SWIFT traditionnels<\/strong>. Votre banque \u00e9mettrice applique syst\u00e9matiquement des frais suppl\u00e9mentaires sur les codes SWIFT hors zone SEPA.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6032\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-6032\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comment \u00e9viter les frais de change sur votre compte bancaire ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6032\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-6032\"><p><strong data-prosemirror-content-type=\"mark\" data-prosemirror-mark-name=\"strong\">Payez toujours dans la devise locale<\/strong> plut\u00f4t qu&rsquo;en euros pour \u00e9viter la double conversion sur votre carte bancaire. Refusez syst\u00e9matiquement la \u00ab\u00a0conversion imm\u00e9diate\u00a0\u00bb propos\u00e9e car leurs taux de change sont d\u00e9favorables. <strong data-prosemirror-content-type=\"mark\" data-prosemirror-mark-name=\"strong\">Privil\u00e9giez les virements SEPA gratuits<\/strong> aux virements internationaux SWIFT co\u00fbteux m\u00eame pour les transferts d&rsquo;argent importants. <strong data-prosemirror-content-type=\"mark\" data-prosemirror-mark-name=\"strong\">Planifiez vos retraits<\/strong> en une seule fois plut\u00f4t qu&rsquo;en plusieurs petites op\u00e9rations pour optimiser les frais bancaires fixes sur votre compte bancaire professionnel.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Combien co\u00fbtent r\u00e9ellement vos virements internationaux et paiements par carte bancaire ? La diff\u00e9rence entre zone SEPA et hors SEPA peut repr\u00e9senter des \u00e9carts consid\u00e9rables. Selon les experts bancaires, les marges peuvent atteindre 3% en plus du taux de change moyen du march\u00e9 pour les transferts d&rsquo;argent hors SEPA. Noelse applique une grille tarifaire transparente [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":14230,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[24],"class_list":["post-14228","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-comprendre-la-banque-de-demain","tag-comprendre-la-banque-de-demain"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Frais \u00e0 l&#039;\u00e9tranger : tarifs exact zone SEPA vs hors SEPA - Noelse Professionnel<\/title>\n<meta name=\"description\" content=\"Comparatif frais bancaires 2025 : virement SEPA vs hors SEPA, taux de change et codes SWIFT pour optimiser vos transferts d&#039;argent.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Frais \u00e0 l&#039;\u00e9tranger : tarifs exact zone SEPA vs hors SEPA - Noelse Professionnel\" \/>\n<meta property=\"og:description\" content=\"Comparatif frais bancaires 2025 : virement SEPA vs hors SEPA, taux de change et codes SWIFT pour optimiser vos transferts d&#039;argent.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/\" \/>\n<meta property=\"og:site_name\" content=\"Noelse Professionnel\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-30T15:16:36+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-06T12:56:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/07\/ChatGPT-Image-30-juil.-2025-17_16_03_11zon.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Laur\u00e8ne\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Laur\u00e8ne\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/\"},\"author\":{\"name\":\"Laur\u00e8ne\",\"@id\":\"https:\/\/noelse.com\/professionnels\/#\/schema\/person\/d3aa00ef80abddc0b7a5d89b335aad94\"},\"headline\":\"Frais \u00e0 l&rsquo;\u00e9tranger : tarifs exact zone SEPA vs hors SEPA\",\"datePublished\":\"2025-07-30T15:16:36+00:00\",\"dateModified\":\"2025-08-06T12:56:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/\"},\"wordCount\":686,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/noelse.com\/professionnels\/#organization\"},\"image\":{\"@id\":\"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/07\/ChatGPT-Image-30-juil.-2025-17_16_03_11zon.webp\",\"keywords\":[\"Comprendre la banque de demain\"],\"articleSection\":[\"Comprendre la banque de demain\u200b\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/\",\"url\":\"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/\",\"name\":\"Frais \u00e0 l'\u00e9tranger : tarifs exact zone SEPA vs hors SEPA - Noelse Professionnel\",\"isPartOf\":{\"@id\":\"https:\/\/noelse.com\/professionnels\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/07\/ChatGPT-Image-30-juil.-2025-17_16_03_11zon.webp\",\"datePublished\":\"2025-07-30T15:16:36+00:00\",\"dateModified\":\"2025-08-06T12:56:10+00:00\",\"description\":\"Comparatif frais bancaires 2025 : virement SEPA vs hors SEPA, taux de change et codes SWIFT pour optimiser vos transferts d'argent.\",\"breadcrumb\":{\"@id\":\"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/#primaryimage\",\"url\":\"https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/07\/ChatGPT-Image-30-juil.-2025-17_16_03_11zon.webp\",\"contentUrl\":\"https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/07\/ChatGPT-Image-30-juil.-2025-17_16_03_11zon.webp\",\"width\":1024,\"height\":1024,\"caption\":\"SEPA\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/noelse.com\/professionnels\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Frais \u00e0 l&rsquo;\u00e9tranger : tarifs exact zone SEPA vs hors SEPA\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/noelse.com\/professionnels\/#website\",\"url\":\"https:\/\/noelse.com\/professionnels\/\",\"name\":\"Noelse Professionnel\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/noelse.com\/professionnels\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/noelse.com\/professionnels\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/noelse.com\/professionnels\/#organization\",\"name\":\"Noelse Professionnel\",\"url\":\"https:\/\/noelse.com\/professionnels\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/noelse.com\/professionnels\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2024\/11\/noelse-pro-1.png\",\"contentUrl\":\"https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2024\/11\/noelse-pro-1.png\",\"width\":114,\"height\":33,\"caption\":\"Noelse Professionnel\"},\"image\":{\"@id\":\"https:\/\/noelse.com\/professionnels\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/noelse.com\/professionnels\/#\/schema\/person\/d3aa00ef80abddc0b7a5d89b335aad94\",\"name\":\"Laur\u00e8ne\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/noelse.com\/professionnels\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/4f38dfc0f14337de1e22c350273c7f39397013c42acea4c584d137883eb31f3d?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/4f38dfc0f14337de1e22c350273c7f39397013c42acea4c584d137883eb31f3d?s=96&d=mm&r=g\",\"caption\":\"Laur\u00e8ne\"},\"url\":\"https:\/\/noelse.com\/professionnels\/author\/lpinaud\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Frais \u00e0 l'\u00e9tranger : tarifs exact zone SEPA vs hors SEPA - Noelse Professionnel","description":"Comparatif frais bancaires 2025 : virement SEPA vs hors SEPA, taux de change et codes SWIFT pour optimiser vos transferts d'argent.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/","og_locale":"fr_FR","og_type":"article","og_title":"Frais \u00e0 l'\u00e9tranger : tarifs exact zone SEPA vs hors SEPA - Noelse Professionnel","og_description":"Comparatif frais bancaires 2025 : virement SEPA vs hors SEPA, taux de change et codes SWIFT pour optimiser vos transferts d'argent.","og_url":"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/","og_site_name":"Noelse Professionnel","article_published_time":"2025-07-30T15:16:36+00:00","article_modified_time":"2025-08-06T12:56:10+00:00","og_image":[{"width":1024,"height":1024,"url":"https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/07\/ChatGPT-Image-30-juil.-2025-17_16_03_11zon.webp","type":"image\/webp"}],"author":"Laur\u00e8ne","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Laur\u00e8ne","Dur\u00e9e de lecture estim\u00e9e":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/#article","isPartOf":{"@id":"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/"},"author":{"name":"Laur\u00e8ne","@id":"https:\/\/noelse.com\/professionnels\/#\/schema\/person\/d3aa00ef80abddc0b7a5d89b335aad94"},"headline":"Frais \u00e0 l&rsquo;\u00e9tranger : tarifs exact zone SEPA vs hors SEPA","datePublished":"2025-07-30T15:16:36+00:00","dateModified":"2025-08-06T12:56:10+00:00","mainEntityOfPage":{"@id":"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/"},"wordCount":686,"commentCount":0,"publisher":{"@id":"https:\/\/noelse.com\/professionnels\/#organization"},"image":{"@id":"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/#primaryimage"},"thumbnailUrl":"https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/07\/ChatGPT-Image-30-juil.-2025-17_16_03_11zon.webp","keywords":["Comprendre la banque de demain"],"articleSection":["Comprendre la banque de demain\u200b"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/","url":"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/","name":"Frais \u00e0 l'\u00e9tranger : tarifs exact zone SEPA vs hors SEPA - Noelse Professionnel","isPartOf":{"@id":"https:\/\/noelse.com\/professionnels\/#website"},"primaryImageOfPage":{"@id":"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/#primaryimage"},"image":{"@id":"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/#primaryimage"},"thumbnailUrl":"https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/07\/ChatGPT-Image-30-juil.-2025-17_16_03_11zon.webp","datePublished":"2025-07-30T15:16:36+00:00","dateModified":"2025-08-06T12:56:10+00:00","description":"Comparatif frais bancaires 2025 : virement SEPA vs hors SEPA, taux de change et codes SWIFT pour optimiser vos transferts d'argent.","breadcrumb":{"@id":"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/#primaryimage","url":"https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/07\/ChatGPT-Image-30-juil.-2025-17_16_03_11zon.webp","contentUrl":"https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2025\/07\/ChatGPT-Image-30-juil.-2025-17_16_03_11zon.webp","width":1024,"height":1024,"caption":"SEPA"},{"@type":"BreadcrumbList","@id":"https:\/\/noelse.com\/professionnels\/frais-a-letranger-tarifs-exact-zone-sepa-vs-hors-sepa\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/noelse.com\/professionnels\/"},{"@type":"ListItem","position":2,"name":"Frais \u00e0 l&rsquo;\u00e9tranger : tarifs exact zone SEPA vs hors SEPA"}]},{"@type":"WebSite","@id":"https:\/\/noelse.com\/professionnels\/#website","url":"https:\/\/noelse.com\/professionnels\/","name":"Noelse Professionnel","description":"","publisher":{"@id":"https:\/\/noelse.com\/professionnels\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/noelse.com\/professionnels\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/noelse.com\/professionnels\/#organization","name":"Noelse Professionnel","url":"https:\/\/noelse.com\/professionnels\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/noelse.com\/professionnels\/#\/schema\/logo\/image\/","url":"https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2024\/11\/noelse-pro-1.png","contentUrl":"https:\/\/noelse.com\/professionnels\/wp-content\/uploads\/sites\/2\/2024\/11\/noelse-pro-1.png","width":114,"height":33,"caption":"Noelse Professionnel"},"image":{"@id":"https:\/\/noelse.com\/professionnels\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/noelse.com\/professionnels\/#\/schema\/person\/d3aa00ef80abddc0b7a5d89b335aad94","name":"Laur\u00e8ne","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/noelse.com\/professionnels\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/4f38dfc0f14337de1e22c350273c7f39397013c42acea4c584d137883eb31f3d?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/4f38dfc0f14337de1e22c350273c7f39397013c42acea4c584d137883eb31f3d?s=96&d=mm&r=g","caption":"Laur\u00e8ne"},"url":"https:\/\/noelse.com\/professionnels\/author\/lpinaud\/"}]}},"_links":{"self":[{"href":"https:\/\/noelse.com\/professionnels\/wp-json\/wp\/v2\/posts\/14228","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noelse.com\/professionnels\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noelse.com\/professionnels\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noelse.com\/professionnels\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/noelse.com\/professionnels\/wp-json\/wp\/v2\/comments?post=14228"}],"version-history":[{"count":0,"href":"https:\/\/noelse.com\/professionnels\/wp-json\/wp\/v2\/posts\/14228\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/noelse.com\/professionnels\/wp-json\/wp\/v2\/media\/14230"}],"wp:attachment":[{"href":"https:\/\/noelse.com\/professionnels\/wp-json\/wp\/v2\/media?parent=14228"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noelse.com\/professionnels\/wp-json\/wp\/v2\/categories?post=14228"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noelse.com\/professionnels\/wp-json\/wp\/v2\/tags?post=14228"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}