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Comment éviter les frais bancaires en voyage ?

Comment éviter les frais bancaires en voyage ?

Voyager à l’étranger va souvent de pair avec des frais bancaires et des frais de change. Ces frais sont souvent élevés et peuvent être une partie importante du budget final. De plus si vous partez durant une longue période (un tour du monde pendant un an par exemple), il serait dommage de laisser l’argent mis de côté pour le voyage dormir dans un compte courant en attendant son utilisation.

Voici quelques conseils afin de minimiser les frais bancaires quand on voyage à l’étranger.

 

Les forfaits bancaires à l’international

Certaines banques proposent des forfaits mensuels afin de réduire les frais bancaires lors d’un retrait dans un distributeur automatique ou lors d’un achat avec la carte bancaire. Regardez ce qu’il en était dans votre banque, il peut même être intéressant d’ouvrir un compte dans une autre banque afin d’avoir cela.

Par exemple, quand j’ai passé un semestre d’études aux Etats-Unis, j’avais ouvert un compte à la Société Générale (sachant qu’en plus en tant qu’étudiant j’avais droit à des réductions et autres avantages) pour bénéficier du forfait Jazz : 22€/mois. Tel quel ce n’est pas forcément très intéressant (quoique ça dépend des sommes que vous comptez dépenser !) mais en tant qu’étudiant j’avais les 3 premiers mois gratuits et le forfait était réduit à 11€/mois ce qui pour un voyage de 6mois m’a coûté 33€ tous les frais bancaires inclus !

 

Optimisez les frais bancaires avec les banques à l’étranger

Le plus simple reste d’avoir un compte courant dans une grosse banque qui sera plus facilement reconnue à l’étranger. En effet, il existe un réseau de partenariat entre plusieurs banques qui couvre une grande partie du monde. Ce partenariat permet de ne pas payer de frais bancaires lors d’un retrait dans un distributeur automatique d’une des banques du réseau.

  • Barclays (Angleterre, Pays de Galle, Espagne, Portugal et certains pays en Afrique)
  • BofA : Bank of America (Etats-Unis)
  • Deutsche Bank (Allemagne, Pologne, République Tchèque, Espagne, Portugal et Italie)
  • Westpac (Australie, Nouvelle Zélande, Fidji, Vanuatu, les îles Cook, Samoa, Tonga, Papouasie Nouvelle Guinée et les îles Solomon)
  • Santander Serfin (Mexique)
  • ScotiaBank (Canada, Caraïbes, Pérou, Chili et Mexique)
  • BNP Paribas (France, Ukraine)
  • China Construction Bank (Chine)
  • ABSA (Afrique du Sud)

Une autre astuce intéressante est d’avoir un compte courant dans une autre banque (une banque en ligne par exemple) afin d’avoir de quoi se retourner si vous perdez votre carte bancaire principale (ne mettez pas les 2 cartes dans le même portefeuille sinon ça risque de ne servir à rien).

 

Ne faites pas dormir votre argent

Si vous partez pour un moment vous aurez surement mis de côté un petit pécule qui va être bloqué vu qu’il faudra qu’il soit disponible. Dans ce cas là, il peut être intéressant de voir comment faire pour qu’il ne dorme pas tout en étant « liquide ». La première option est le livret A qui offre actuellement un retour de 2.25%.

Si cela ne vous suffit pas, il existe de nombreuses banques en ligne comme Boursorama, ING, Binck, etc. qui proposent des livrets à 5% les 3 premiers mois puis 2.5 ou 3% après. Pour un voyage d’un an avec un budget de 10 000€ cela peut faire un gain d’une centaine d’euros sans trop d’efforts, c’est toujours ça de pris !

 

Comment réduire les frais de change en voyage ?

Si vous avez suivi les conseils précédents, il sera en général plus intéressant de retirer de la monnaie locale dans un distributeur de billets. Les banques prennent une commission de change mais elle est souvent très inférieure à celle dans un bureau de change.

Si le cours du change est en votre faveur, n’hésitez pas à changer un peu plus que prévu, ça pourra toujours servir si besoin et s’il vous reste du rab’ vous pourrez le rechanger à la fin du voyage avec un taux de change plus faible avec un peu de chance et donc gagner une petite différence (minus les frais de change).

Ne changez surtout pas à l’aéroport si possible car les taux de change seront très largement en votre défaveur.

 

Pour conclure, tout dépend de vous et du voyage que vous allez réaliser. Pour un voyage d’une semaine l’économie n’en vaudra pas forcément la chandelle (plus de temps passé à optimiser que de réductions de frais bancaires) mais sur un voyage de plusieurs mois ou un tour du monde pendant un an, la différence peut se chiffrer de l’ordre de plusieurs centaines d’euros. Pour cela, il faut être actif et y songer avant même de partir. Ensuite tout du long du voyage toujours avoir un oeil sur les taux de change afin d’agir en conséquence.

 

 

187 Comments

  1. C’est clair que les frais de changes et bancaires sont vites une source de certes d’argent. Tu as oublié un point: La Carte Gold qui, si elle est bien négociée, peut permettre de très grosse économies.
    Tour d’abord elle permet d’avoir une assurance voyage GRATUITE de 90 jours incluant tous les basiques dont on à besoin dans un pays d’Occident (c’est clair que si vous allez au fin fond la forêt Amazonienne il vous faudra une autre assurance).
    Et puis si vous négociez bien avec votre banquier, en lui montrant votre sérieux et les fonds à disposition sur votre compte, vous pouvez obtenir la carte gratuite pendant une année. Tout est question de négociation….

    En tout cas en terme de banque, je vous conseille d’avoir 2 comptes bancaires dans 2 banques différentes et de donner procuration sur les comptes à quelqu’un digne de confiance et capable de se mettre à disposition en cas d’urgence…
    Je dis ça par expérience, car une très mauvaise situation m’est arrivée avec ma banque lorsque j’étais en Australie (ma banque m’avait bloqué ma carte et la directrice d’agence me faisait du chantage pour ouvrir un Plan Epargne Logement et d’y déposer l’ensemble de mes fonds bloqués pour 5 ans, si je voulais que ma carte soit débloquée)…. Heureusement que j’avais un compte dans une autre banque et que j’avais fais procuration sur mes 2 comptes, le soucis a été réglé en une semaine….

    • Je n’ai pas parlé des cartes comme Visa Premier ou Mastercard Gold tout simplement car en elles mêmes elles ne permettent pas de réduire les frais bancaires (elles sont même un peu plus chères mais pas tellement). Après il est clair qu’elles sont indispensables à avoir pour les assurances associées. Ca fera l’objet d’un futur article.

      Concernant les 2 banques tu illustres parfaitement pourquoi je conseille d’en avoir 2 ! Bonne idée la procuration aussi !

      • En faites la Visa Premier, moi j’ai réussis à négocier pour l’avoir gratuite pendant un an donc je n’avais aucun frais dessus, ce qui m’a permis de réaliser une énorme économie en terme de frais bancaire.

  2. Salut Julien,

    Merci pour l’astuce des réseaux de partenariat, je regarderai ça à mon prochain voyage.

    A l’étranger j’utilise une astuce assez simple pour limiter les frais :
    Je fais des payements CB et des retraits uniquement au dessus de 150 euros. Pour toutes les sommes inférieurs je paye en liquide.

    Cela permet de limiter le montant des coûts fixes sans trop se casser la tête.

    • Oui en plus 150-200$ en liquide ça reste raisonnable. Il y a des gens qui n’aiment pas avoir de fortes sommes sur eux !

      • Personnellement, et beaucoup de gens me trouve un peu « fou, je préfère avoir une certaine somme en espèce sur moi (aux environs de 500 euros). Pour quoi un tel montant? Tout simplement parce que si je suis bloqué au milieu de nul part, dans un pays que je ne connais pas et sans capacité de retrait ou de payement (ce qui m’est arrivé durant plus d’une semaine lorsque j’ai eu mon soucis avec ma banque) je veux être en mesure de payer un logement, d’éventuels frais médicaux ou un billet d’avion… Après lorsque l’on à une telle somme il est préférable de ne jamais y faire allusion et de la mettre là où personne ne la trouvera jamais…. Je n’ai jamais eu aucun soucis à avoir une telle somme sur moi, et cela m’a rendu de très grands services

        • Tu n’es pas le seul ! Quand je vais en Afrique je suis en général assez « chargé » ne serait ce que pour des raisons de facilité ! Après l’astuce est de se dire qu’il n’y a aucune raison que les autres sachent qu’on a bcp d’argent sur soi et que c’est dans la tête que ça se joue. Après évidemment il faut respecter les règles élémentaires de prudence !
          Dispatcher ‘largent est obligatoire aussi, un peu ds les bagages, un peu sur soi, etc.

  3. Sinon y’a aussi des banques comme HSBC, qui ont des agences partout dans le monde. Si on y retire du liquide à l’autre bout de la planète, on ne paye pas de frais.
    Ça permet de retirer quand on débarque, géneralement dans une grosse ville…

    • Oui mais j’en ai pas parlé car il me semble qu’HSBC prend depuis peu (quelques mois) 2$50 à chaque utilisation d’un distributeur donc ça devient nettement moins avantageux !

      • Je suis d’accord avec Julien, j’avais analysé HSBC et au final cela n’est pas du tout avantageux, car les frais bancaire peuvent rapidement monter. J’ai un ami qui est passé par HSBC pour son tour du monde et qui maintenant le regrette…

        • C’est bizarre ce que vous dites sur HSBC, je viens d’ouvrir un compte chez eux et ils m’ont bien vanté le fait que retirer avec sa carte bancaire à l’étranger était gratuit, dans n’importe quel pays du monde !
          Mais j’avoue ne pas avoir encore eu l’occasion de tester… je vais regarder cela de plus près 😉

  4. Je n’utilise que les retraits en carte bleue par contre je n’ai jamais trouvé aucune solutions pour réduire les frais à 0. Je ne pense pas que les banques que tu sites l’autorise à moins de payer des cotisations assez importantes mensuellement. Si quelqu’un a un autre plan…?;-)

  5. Ok. Mes infos sur HSBC datent de juillet/août l’année dernière… Je n’étais donc pas à jour. 🙂
    C’est un peu dommage, c’était son atout pour le voyageur…

  6. Bonjour,

    Il faut parfois préférer la sécurité à la rentabilité.
    Si vous aimez voyager hors des sentiers battus, avoir de grosses sommes (j’ai vu une personne se trimbalant 500e…soit l’équivalent d’un salaire annuel dans certains pays) peut être très risqué.

    Suivant les destinations, et malgré les pertes dues aux frais et au change, les traveller chèques en petites coupures n’attirent pas l’œil (se renseigner sur le salaire moyen dans le pays pour définir les petites coupures).
    Suivant le pays, dans les petites villes ou villages (des endroits ou l’on se fait vite repérer), c’est beaucoup plus sure que la CB ou la liasse d’euros.
    En conservant une copie des n° de chèque, en cas de vol, vous pouvez facilement trouver une banque pour vous les faire rembourser.

    Cordialement
    AK

  7. J’ai une carte Gold chez Boursorama (Visa Premier) et je paye 1,99% de frais pour chaque retrait ou paiement. Vu que c’est un pourcentage, que je retire 400 euros ou 4 x 100 euros, c’est pareil.

    Ce qui a de bien aussi, c’est que je peux retirer et faire des paiements gratuitement en zone SEPA (Europe moins quelques pays). Je pense que c’est une bonne solution pour les voyageurs. Pour en savoir plus, lisez mon article sur Mon compte bancaire gratuit sur internet. J’ai quand même une deuxième carte, chez une banque en ligne aussi gratuite, Fortunéo.

    Sinon, je ne me balade JAMAIS avec 500 euros sur moi !!! (Après, ça dépend quand même des pays et des niveaux de vie). Par exemple, je suis actuellement au Kenya. J’ai en équivalent shiling kenyan, environ 100€/150€ dans mon sac qui reste à l’hôtel et l’équivalent de 30 euros dans la poche, pour tenir une journée dépensière.

    Si vous avez une meilleures solutions que Bourso et Fortunéo pour limiter les frais de voyage, je suis preneur 🙂

  8. Article très pratique! Je prévoyais de changer de banque et passer à la société générale justement. Est ce que tu sais si on peut y souscrire pour les 3 premiers mois gratuit et puis se désabonner du service? Ou il y a une durée minimale d’adhésion obligatoire? merci 😉

    • Je m’en étais servi sur une durée de 5mois avec les 3 premiers gratuits donc je ne pense pas qu’il y ait de durée minimale !

  9. Hello,

    Très bon article sur un sujet clef surtout pour les voyages hors zone euro.

    Les frais bancaires peuvent vite faire mal si on multiplie les paiements avec CB et surtout les retraits dans les distributeurs 🙁

    Changer les devises en France avec des sites comme yes change peut parfois être intéressant également!

    • Changer les devises en France peut être une solution mais après il faut être à l’aise avec le fait de porter de grosses sommes sur soit et ce n’est pas le cas de tout le monde !

  10. Un article réellement très intéressant. Pour info, la banque française qui fait partie du réseau westpack c’est la BNP. Personnellement, je m’apprête à partir en Australie pour 6 mois, et j’ai choisi de passer par HSBC. L’avantage, au delà des très bons taux de change qu’elle propose, c’est le fait de pouvoir retirer de l’argent sans aucun frais dans n’importe quel pays du monde (sur un distributeur hsbc bien sûr), mais aussi la possibilité d’ouvrir un compte temporaire dans le pays (pour avoir une CB locale par exemple, donc c’est pas mal). Les frais de virement aussi sont moins chers.

    Après chaque banque a ses avantages, La SG est pas mal non plus, mais ça dépend dans quel pays vous partez.

  11. Merci pour tous ces supers conseils 🙂 Je suis tout a fait d’accord avec toi, il faut voyager un max’ avant d’avoir des enfants et un cradit pour la maison ! Je pense que pour faire de bonnes aconomies, il faut raserver le billet d’avion tres a l’avance et partir en dehors de la haute saison !

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