The transfers of more than € 800 blocked? Bercy clarifies things!

At a time when financial distrust is broadcast in one click, a tiktok video posted at the end of May has revived the fears of a reinforced state control. She claims that from October 2025, any transfer of more than 800 euros between individuals would be blocked 24 hours for tax verification. In a few days, the rumor sowed the trouble in thousands of French people. What does the regulation really say? And why is this viral announcement completely unfounded?

When Tiktok sows doubts about bank transfers

In April, A Tiktok video announcing the imminent end of cash in France has experienced a broad impact on social networks. In the same dynamic, another viral video began to circulate massively on May 26, 2025, saying that a new device, scheduled for October 2025, will block the transfers between individuals above 800 euros for 24 hours.

The publication, very shared on Tiktok, Instagram and Facebook, claims in particular that:

• “Any transfer greater than € 800 between individuals will be temporarily blocked for 24 hours”whatever nature (purchase, loan, reimbursement);

• The blocking would concern transfers with friends, relatives or individuals;

• This period would aim to allow verification by an automated system and in connection with the tax administration;

• This measure would be based on official announcements from Bercy and certain media.

The excitement around this video was immediate. Some Internet users evoke an attack on individual freedom, others denounce a “Generalized tax surveillance”going so far as to qualify France as “Dictatorship”.

Faced with this, the Ministry of the Economy has formally denied allegations. In a declaration sent to AFP, it precise ::

This allegation is misleading. No law or decree provides to date an automatic blocking threshold at 800 euros or a 24 -hour suspension. This rumor is therefore based on an erroneous interpretation of reality, probably nourished by confusion with a distinct measure.

A reinforced authentication system, not generalized monitoring

Unlike the rumor circulating, a real banking reform will come into force from October 9, 2025, but it does not concern an amount capped at € 800 or an automatic suspension of 24 hours, nor a systematic control of the tax administration.

This reform Simply aims to check the concordance between the information provided by the transmitter of a transfer and those of the recipient's Iban, to better secure transactions. This is a system designed for “Inform the customer of the concordance of the information he provides at the time of his request for transfer with that of IBAN”.

This measure is integrated within the framework of a European regulation voted in 2024, which requires the generalization of instant banking transfers in the SEPA zone while strengthening the fight against fraud.

Banks will thus be responsible for preventing errors or scam attempts by reporting possible differences between the name of the beneficiary and its IBAN, without automatically blocking the operation or imposing a legal deadline of 24 hours. No transaction suspension is therefore provided for at this stage, neither by French law nor by European regulation.

Faced with this strengthening of the control of traditional banking transfers, certain voices in the digital ecosystem highlight the increased interest of cryptocurrencies, in particular bitcoin. As a decentralized and without bank intermediary payment system, Bitcoin allows direct transfers, without a validation requirement by a central institution or an obligation of correspondence between a name and a portfolio address.

Ultimately, this development could encourage banking platforms to adapt their upstream verification systems, but that does not mean the establishment of an automated tax audit on transfers between individuals in this case those external.