{"id":666176,"date":"2026-04-24T01:04:29","date_gmt":"2026-04-23T23:04:29","guid":{"rendered":"https:\/\/kohenavocats.com\/cour-dappel-le-6-mai-2025-n23-12487\/"},"modified":"2026-04-26T20:27:40","modified_gmt":"2026-04-26T18:27:40","slug":"cour-dappel-le-6-mai-2025-n23-12487","status":"publish","type":"post","link":"https:\/\/kohenavocats.com\/tr\/cour-dappel-le-6-mai-2025-n23-12487\/","title":{"rendered":"Cour d&#8217;appel, le 6 mai 2025, n\u00b023\/12487"},"content":{"rendered":"<div class=\"article-content\">\n<p>La Cour d&#8217;appel, dans un arr\u00eat du 6 mai 2025, statue sur un litige opposant une cliente \u00e0 son \u00e9tablissement bancaire suite \u00e0 des virements frauduleux. La juridiction infirme le jugement de premi\u00e8re instance qui avait d\u00e9bout\u00e9 la cliente. Elle retient la responsabilit\u00e9 de la banque pour d\u00e9faut de preuve d&#8217;une authentification forte et l&#8217;absence de n\u00e9gligence grave imputable \u00e0 la victime de l&#8217;<a href=\"https:\/\/kohenavocats.com\/avocats-en-droit-penal-a-paris-conseil-et-defense-strategique\/avocats-escroquerie-paris\/\" target=\"_blank\" title=\"escroquerie\">escroquerie<\/a>.<\/p>\n<p>La qualification de l&#8217;op\u00e9ration non autoris\u00e9e<\/p>\n<p>La d\u00e9finition l\u00e9gale du consentement. La cour rappelle le r\u00e9gime des op\u00e9rations de paiement non autoris\u00e9es d\u00e9fini par le code mon\u00e9taire et financier. Elle souligne que le consentement du payeur doit \u00eatre donn\u00e9 selon la forme convenue avec le prestataire. &#8220;En l&#8217;absence d&#8217;un tel consentement, l&#8217;op\u00e9ration ou la s\u00e9rie d&#8217;op\u00e9rations de paiement est r\u00e9put\u00e9e non autoris\u00e9e&#8221; (Motifs). L&#8217;arr\u00eat \u00e9tablit que les virements litigieux ont \u00e9t\u00e9 ordonn\u00e9s depuis des sessions de connexion \u00e9trang\u00e8res \u00e0 la cliente. La banque ne conteste d&#8217;ailleurs pas son impossibilit\u00e9 d&#8217;acc\u00e8s \u00e0 son compte durant la p\u00e9riode critique. Ce constat objectif permet de qualifier les op\u00e9rations de non autoris\u00e9es sans ambigu\u00eft\u00e9.<\/p>\n<p>La r\u00e9partition de la charge de la preuve. La cour applique strictement l&#8217;article L. 133-23 du code mon\u00e9taire et financier. La charge de la preuve p\u00e8se sur le prestataire de services de paiement en cas de contestation. &#8220;Il incombe \u00e0 la banque prestataire de services de paiement, selon l&#8217;article L 133-23 &#8216;de prouver que l&#8217;op\u00e9ration en question a \u00e9t\u00e9 authentifi\u00e9e, d\u00fbment enregistr\u00e9e et comptabilis\u00e9e et qu&#8217;elle n&#8217;a pas \u00e9t\u00e9 affect\u00e9e par une d\u00e9ficience technique ou autre'&#8221; (Motifs). La banque ne d\u00e9montre pas avoir mis en \u0153uvre une authentification forte conforme aux exigences l\u00e9gales. Ce manquement est d\u00e9terminant pour son obligation de remboursement.<\/p>\n<p>L&#8217;exon\u00e9ration de la banque et la faute de l&#8217;utilisateur<\/p>\n<p>L&#8217;exigence d&#8217;une authentification forte non satisfaite. La cour examine le moyen d&#8217;exon\u00e9ration invoqu\u00e9 par la banque fond\u00e9 sur une n\u00e9gligence grave de la cliente. Elle op\u00e8re un revirement par rapport aux premiers juges. L&#8217;arr\u00eat se fonde sur l&#8217;article L. 133-19, V, du code mon\u00e9taire et financier. &#8220;Sauf agissement frauduleux de sa part, le payeur ne supporte aucune cons\u00e9quence financi\u00e8re si l&#8217;op\u00e9ration de paiement non autoris\u00e9e a \u00e9t\u00e9 effectu\u00e9e sans que le prestataire de services de paiement du payeur n&#8217;exige une authentification forte&#8221; (Motifs). La banque n&#8217;all\u00e8gue ni ne d\u00e9montre avoir utilis\u00e9 un tel proc\u00e9d\u00e9 s\u00e9curis\u00e9. Cette carence est fatale \u00e0 sa d\u00e9fense et renforce la protection du consommateur.<\/p>\n<p>L&#8217;absence de n\u00e9gligence grave caract\u00e9ris\u00e9e. La cour r\u00e9interpr\u00e8te les faits pour \u00e9carter la qualification de n\u00e9gligence grave. Elle estime que le comportement de la cliente ne r\u00e9pond pas aux crit\u00e8res l\u00e9gaux d&#8217;exon\u00e9ration. &#8220;Le fait pour [la cliente], recevant un courriel [&#8230;] l&#8217;incitant seulement \u00e0 se connecter en faisant usage de ses identifiant et code pour ce faire [&#8230;] mais sans les livrer \u00e0 quiconque [&#8230;] ne constitue pas une n\u00e9gligence grave&#8221; (Motifs). La r\u00e9action rapide de la cliente, d\u00e9non\u00e7ant les faits une semaine apr\u00e8s les premiers virements, est \u00e9galement relev\u00e9e. Cette analyse restrictive de la faute prot\u00e8ge les utilisateurs contre des interpr\u00e9tations abusives.<\/p>\n<p>La port\u00e9e de l&#8217;arr\u00eat est significative en mati\u00e8re de fraude bancaire. Il rappelle avec fermet\u00e9 les obligations probatoires pesant sur les \u00e9tablissements bancaires. La d\u00e9cision renforce la s\u00e9curit\u00e9 juridique des consommateurs victimes d&#8217;escroquerie. Elle pr\u00e9cise que l&#8217;utilisation d&#8217;un lien frauduleux par la victime ne vaut pas r\u00e9v\u00e9lation volontaire de ses codes. Cet arr\u00eat s&#8217;inscrit dans une jurisprudence exigeante concernant l&#8217;authentification forte. &#8220;Une authentification forte du client s&#8217;entend d&#8217;une authentification reposant sur l&#8217;utilisation de deux \u00e9l\u00e9ments ou plus&#8221; (Motifs). Il rejoint ainsi une d\u00e9cision ant\u00e9rieure qui sanctionnait d\u00e9j\u00e0 un d\u00e9faut d&#8217;authentification. &#8220;La banque a laiss\u00e9 mettre en place ce S\u00e9curipass \u00e0 partir d&#8217;un t\u00e9l\u00e9phone [&#8230;] qui n&#8217;\u00e9tait pas le t\u00e9l\u00e9phone r\u00e9pertori\u00e9, ce qui ne r\u00e9pond pas \u00e0 l&#8217;exigence de l&#8217;authentification forte&#8221; (Cour d&#8217;appel de Paris, le 23 mars 2023, n\u00b021\/11361). La solution consacre une interpr\u00e9tation protectrice des dispositions issues de la DSP2.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>La Cour d&#8217;appel, dans un arr\u00eat du 6 mai 2025, statue sur un litige opposant une cliente \u00e0 son \u00e9tablissement bancaire suite \u00e0 des virements frauduleux. La jur&#8230;<\/p>\n","protected":false},"author":232070755,"featured_media":9592,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_kj_source_type":"judilibre","_kj_official_id":"68d4cdb6653faf0d09392a1e","_kj_official_url":"https:\/\/www.courdecassation.fr\/decision\/68d4cdb6653faf0d09392a1e","_kj_judilibre_id":"68d4cdb6653faf0d09392a1e","_kj_jur":"Cour d'appel","_kj_lieu":"Cour d'appel de Paris","_kj_chambre":"P\u00f4le 5 - Chambre 6","_kj_rg":"23\/12487","_kj_date":"2025-09-24","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[7597],"tags":[],"class_list":["post-666176","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jurisprudence"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cour d&#039;appel, le 6 mai 2025, n\u00b023\/12487 - Ma\u00eetre Hassan Kohen, avocat en droit p\u00e9nal \u00e0 Paris<\/title>\n<meta name=\"description\" content=\"La Cour d&#039;appel, dans un arr\u00eat du 6 mai 2025, statue sur un litige opposant une cliente \u00e0 son \u00e9tablissement bancaire suite \u00e0 des virements frauduleux. 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