{"id":102657,"date":"2026-11-15T00:07:37","date_gmt":"2026-11-14T23:07:37","guid":{"rendered":"https:\/\/congopubonline.com\/?p=102657"},"modified":"2026-11-15T00:17:50","modified_gmt":"2026-11-14T23:17:50","slug":"rdc-la-bcc-precise-les-operations-en-especes-concernees-par-linterdiction-des-paiements-en-devises-des-avril-2027","status":"publish","type":"post","link":"https:\/\/congopubonline.com\/?p=102657","title":{"rendered":"RDC : la BCC pr\u00e9cise les op\u00e9rations en esp\u00e8ces concern\u00e9es par l\u2019interdiction des paiements en devises d\u00e8s avril 2027"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Le gouverneur de la <strong>Banque centrale du Congo (BCC)<\/strong> a apport\u00e9 de nouvelles pr\u00e9cisions sur la r\u00e9forme encadrant les transactions en esp\u00e8ces en monnaies \u00e9trang\u00e8res, dont l\u2019entr\u00e9e en vigueur est pr\u00e9vue le <strong>9 avril 2027<\/strong>. Cette clarification a \u00e9t\u00e9 faite le 10 novembre dernier, lors d\u2019une r\u00e9union avec l\u2019<strong>Association congolaise des banques (ACB)<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La mesure vise principalement les paiements en esp\u00e8ces de biens et de services en devises \u00e9trang\u00e8res. Elle pr\u00e9voit \u00e9galement de r\u00e9server \u00e0 la BCC l\u2019importation physique de billets en monnaies \u00e9trang\u00e8res, une pr\u00e9rogative qui ne sera donc plus exerc\u00e9e par les banques commerciales.<\/p>\n\n\n\n<h3 id=\"h-les-paiements-commerciaux-en-cash-en-devises-concernes\" class=\"wp-block-heading\"><strong>Les paiements commerciaux en cash en devises concern\u00e9s<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"707\" src=\"https:\/\/congopubonline.com\/wp-content\/uploads\/2026\/11\/image-13-1024x707.png\" alt=\"\" class=\"wp-image-102660\" style=\"aspect-ratio:1.4483676102238696;width:690px;height:auto\" srcset=\"https:\/\/congopubonline.com\/wp-content\/uploads\/2026\/11\/image-13-1024x707.png 1024w, https:\/\/congopubonline.com\/wp-content\/uploads\/2026\/11\/image-13-300x207.png 300w, https:\/\/congopubonline.com\/wp-content\/uploads\/2026\/11\/image-13-768x530.png 768w, https:\/\/congopubonline.com\/wp-content\/uploads\/2026\/11\/image-13-1536x1060.png 1536w, https:\/\/congopubonline.com\/wp-content\/uploads\/2026\/11\/image-13-1920x1325.png 1920w, https:\/\/congopubonline.com\/wp-content\/uploads\/2026\/11\/image-13-1170x807.png 1170w, https:\/\/congopubonline.com\/wp-content\/uploads\/2026\/11\/image-13-585x404.png 585w, https:\/\/congopubonline.com\/wp-content\/uploads\/2026\/11\/image-13.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 partir du 9 avril 2027, les transactions commerciales en esp\u00e8ces effectu\u00e9es en devises \u00e9trang\u00e8res seront interdites. Autrement dit, les paiements au comptant de biens et de services en dollars ou dans d\u2019autres monnaies \u00e9trang\u00e8res ne seront plus autoris\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La r\u00e9forme pr\u00e9voit aussi que l\u2019importation physique de billets en devises \u00e9trang\u00e8res soit r\u00e9serv\u00e9e exclusivement \u00e0 la Banque centrale du Congo, retirant cette possibilit\u00e9 aux banques commerciales.<\/p>\n\n\n\n<h3 id=\"h-les-operations-qui-resteront-autorisees\" class=\"wp-block-heading\"><strong>Les op\u00e9rations qui resteront autoris\u00e9es<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le gouverneur a toutefois tenu \u00e0 distinguer les op\u00e9rations interdites de celles qui pourront continuer \u00e0 \u00eatre effectu\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les paiements commerciaux en esp\u00e8ces en francs congolais resteront autoris\u00e9s. Il en sera de m\u00eame pour les r\u00e8glements en devises \u00e9trang\u00e8res effectu\u00e9s par voie \u00e9lectronique, notamment par virement bancaire, carte, terminal de paiement ou mobile money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La d\u00e9tention de devises \u00e0 titre priv\u00e9 ne sera pas non plus interdite. Les particuliers pourront donc continuer \u00e0 conserver des monnaies \u00e9trang\u00e8res \u00e0 leur domicile, dans leur portefeuille ou sur leurs comptes bancaires.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les retraits et d\u00e9p\u00f4ts d\u2019esp\u00e8ces en devises aupr\u00e8s des banques resteront \u00e9galement permis. Enfin, les dons, offrandes et cotisations \u00e0 caract\u00e8re social ou religieux pourront toujours \u00eatre effectu\u00e9s en esp\u00e8ces, aussi bien en francs congolais qu\u2019en monnaies \u00e9trang\u00e8res.<\/p>\n\n\n\n<h3 id=\"h-developper-les-paiements-numeriques-et-renforcer-la-tracabilite\" class=\"wp-block-heading\"><strong>D\u00e9velopper les paiements num\u00e9riques et renforcer la tra\u00e7abilit\u00e9<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" width=\"1024\" height=\"734\" src=\"https:\/\/congopubonline.com\/wp-content\/uploads\/2026\/11\/image-12-1024x734.png\" alt=\"\" class=\"wp-image-102659\" style=\"aspect-ratio:1.3951106350633884;width:699px;height:auto\" srcset=\"https:\/\/congopubonline.com\/wp-content\/uploads\/2026\/11\/image-12-1024x734.png 1024w, https:\/\/congopubonline.com\/wp-content\/uploads\/2026\/11\/image-12-300x215.png 300w, https:\/\/congopubonline.com\/wp-content\/uploads\/2026\/11\/image-12-768x550.png 768w, https:\/\/congopubonline.com\/wp-content\/uploads\/2026\/11\/image-12-1536x1100.png 1536w, https:\/\/congopubonline.com\/wp-content\/uploads\/2026\/11\/image-12-1920x1375.png 1920w, https:\/\/congopubonline.com\/wp-content\/uploads\/2026\/11\/image-12-1170x838.png 1170w, https:\/\/congopubonline.com\/wp-content\/uploads\/2026\/11\/image-12-585x419.png 585w, https:\/\/congopubonline.com\/wp-content\/uploads\/2026\/11\/image-12.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 travers cette r\u00e9forme, la BCC entend encourager le d\u00e9veloppement des paiements num\u00e9riques et favoriser l\u2019inclusion financi\u00e8re. L\u2019institution vise \u00e9galement \u00e0 renforcer la transparence et la tra\u00e7abilit\u00e9 des flux financiers afin de mieux lutter contre le blanchiment de capitaux et le financement du terrorisme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La mesure s\u2019inscrit aussi dans une politique de promotion de l\u2019utilisation du <strong>franc congolais<\/strong> dans les transactions courantes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En clarifiant les op\u00e9rations concern\u00e9es, le gouverneur de la BCC cherche ainsi \u00e0 dissiper les inqui\u00e9tudes et les interpr\u00e9tations erron\u00e9es autour de cette r\u00e9forme. Celle-ci ne pr\u00e9voit pas une interdiction g\u00e9n\u00e9rale de d\u00e9tenir ou de retirer des devises, mais cible principalement leur utilisation sous forme de paiements commerciaux en esp\u00e8ces.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Par Marius Bopenga<br>CONGO PUB Online<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<div class='epvc-post-count'><span class='epvc-eye'><\/span>  <span class=\"epvc-count\"> 9<\/span><span class='epvc-label'> Vues<\/span><\/div>","protected":false},"excerpt":{"rendered":"<p>Le gouverneur de la Banque centrale du Congo (BCC) a apport\u00e9 de nouvelles pr\u00e9cisions sur la r\u00e9forme encadrant les transactions en esp\u00e8ces en monnaies \u00e9trang\u00e8res, dont l\u2019entr\u00e9e en vigueur est&hellip;<\/p>\n","protected":false},"author":1,"featured_media":102658,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","_monsterinsights_skip_tracking":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[844,51],"tags":[],"class_list":["post-102657","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-economie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.4 (Yoast SEO v28.6) - 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