Compte courant

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OUVERTURE D’UN COMPTE COURANT POSTAL

Le compte courant postal fait partie de la gamme des comptes bancaires gérés par le Centre de Chèques Postaux (CCP), un établissement financier teneur de comptes (chèques et épargnes). Ce centre financier de la Société des Postes du Togo est spécialisé dans la commercialisation des services financiers postaux.

DESCRIPTION

Le compte est le support de la relation entre le client et sa banque. C’est un contrat d’adhésion entre la banque (CCP) et son client. Le compte fonctionne au moyen d’un chèque, d’où l’appellation de « compte chèque » ou « compte de chèque ». Ces comptes fonctionnent également au moyen de cartes de retraits ou de paiement (cartes bancaires).

IDENTIFICATION DES PERSONNES SUSCEPTIBLES / LEGITIMES A FAIRE LA DEMANDE

Tout particulier, artisan ou associations, écoles, établissements, sociétés, organismes, etc.

CONDITIONS GENERALES A REMPLIR

Toute personne détentrice d’une pièce d’identité valide, jouissant pleinement de ses droits à l’exclusion des mineurs et des majeurs incapables.
Les pièces exigées à l’ouverture d’un compte au CCP sont :
- Localisation géographique (adresse de rue, quartier)
- Adresse postale ou attestation de boite postale
- Téléphone (fixe et/ou cellulaire), E-mail

Vérification des pouvoirs et leur limite (autorisation de signatures et les conditions d’autorisation)
Situation juridique et financière du client.

COUT DE LA PROCEDURE

Pour les personnes physiques : dépôt initial de 10 000 F CFA sauf pour les salariés et les retraités

Pour les personnes morales : dépôt initial de 25 000 F CFA

DELAI D'EXECUTION DE LA PROCEDURE

L’ouverture d’un compte CCP se fait dans les 48 H si toutes les conditions exigées sont réunies.

CONDITIONS SPECIFIQUES POUR L’OUVERTURE DE COMPTE

Cas des personnes physiques
Photocopie d’une CNI ou du passeport en cours de validité, photocopie d’une carte de pension ou d’une carte militaire
Deux (02) photos passeport
Un formulaire à remplir au guichet

Cas des sociétés commerciales et des Etablissements (SA, SARL, SUA, SUARL, GIE etc.)
Une Copie des Statuts (sauf pour les établissements)
Un Extrait d’immatriculation au Registre de Commerce et du Crédit Mobilier (RCCM)
Une Autorisation d’installation
Une Photocopie CNI ou passeport en cours de validité du (des) signataire(s)
Deux (02) photos du (de chacun des) signataire(s)
Un formulaire à remplir au guichet

Cas des associations (ONGs, Groupements, Amicales)
Une copie des Statuts
Un Récépissé de reconnaissance d’association délivré par le Ministère de l’Administration Territoriale
Une copie de l’agrément pour les ONGs
Une copie du Procès-verbal désignant les membres signataires
Une Photocopie CNI ou passeport en cours de validité de chacun des membres signataires
Deux (02) photos passeport de chacun des membres signataires

Cas Administration publique (établissements publics, collectivités locales)

Extrait du Décret ou de l’Arrêté ministériel
Autorisation expresse du Ministre chargé des Finances
Photocopie CNI ou passeport du (des) signataire (s)
Deux (02) photos passeports de chacun des signataires

OU FAIRE LA DEMANDE ?

Au bureau de poste ou au Centre de chèques postaux
Téléphone : 90 21 70 60 / 90 89 89 05 /90 70 82 14 / 90, 90 92 11
Email : laposte@laposte.tg Site web : www.laposte.tg
Horaires d’ouverture
Lundi à Vendredi : 07h30 – 16h45 et Samedi : 08h00 – 12h00