{"id":1817,"date":"2022-01-25T11:24:37","date_gmt":"2022-01-25T11:24:37","guid":{"rendered":"https:\/\/kabayanremit.com\/blog\/?p=1817"},"modified":"2025-06-20T13:02:08","modified_gmt":"2025-06-20T12:02:08","slug":"comprendre-les-taux-de-change","status":"publish","type":"post","link":"https:\/\/kabayanremit.com\/blog\/fr-ca\/financer\/comprendre-les-taux-de-change\/","title":{"rendered":"Comprendre les taux de change"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643038302564\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">Lorsque vous vous appr\u00eatez \u00e0 envoyer de l'argent aux Philippines, la premi\u00e8re chose \u00e0 faire est de consulter les taux de change. Que vous travailliez aux\u00a0<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/kabayanremit.com\/blog\/lifestyle\/moving-to-uk-filipinos\/\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Royaume-Uni<\/span><\/a><span data-preserver-spaces=\"true\">, le Canada, l'Europe ou les \u00c9tats-Unis,<\/span><span data-preserver-spaces=\"true\">\u00a0les taux de change d\u00e9termineront le montant de l'argent qui parviendra \u00e0 vos proches rest\u00e9s au pays.<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h2 style=\"text-align: left\" class=\"vc_custom_heading\" >Qu'est-ce qu'un taux de change ?<\/h2>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1594\" height=\"836\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/what-are-exchange-rates.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"Qu&#039;est-ce qu&#039;un taux de change ?\" title=\"Qu&#039;est-ce qu&#039;un taux de change ?\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/what-are-exchange-rates.jpg 1594w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/what-are-exchange-rates-300x157.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/what-are-exchange-rates-1024x537.jpg 1024w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/what-are-exchange-rates-768x403.jpg 768w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/what-are-exchange-rates-1536x806.jpg 1536w\" sizes=\"auto, (max-width: 1594px) 100vw, 1594px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643035208785\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">Taux de change<\/span><span data-preserver-spaces=\"true\">\u00a0indiquent la valeur de la monnaie d'un pays par rapport \u00e0 celle d'un autre. Pensez-y de la mani\u00e8re suivante : Si vous envoyez une allocation mensuelle de 1 000 \u20a4 \u00e0 votre famille aux Philippines, combien cela co\u00fbtera-t-il localement et que peuvent-ils acheter ? Cette somme sera-t-elle suffisante pour un mois ?<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643034662312\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Dans l'\u00e9conomie mondiale, le march\u00e9 des changes ou Forex d\u00e9termine les taux de change dans le monde entier. Pendant 24 heures, presque tous les jours, les banques, les cambistes, les entreprises et les investisseurs ach\u00e8tent ou vendent la monnaie d'un pays en \u00e9change d'une autre. Ils surveillent \u00e9galement les affaires et les politiques internationales afin de pr\u00e9dire si l'achat d'un type de devise, la livre sterling par exemple, deviendra moins cher ou plus cher. Ces activit\u00e9s de n\u00e9gociation et de pr\u00e9vision d\u00e9terminent les taux de change.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643034671238\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Plusieurs facteurs influencent les taux de change, notamment<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643034680452\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li><strong><span data-preserver-spaces=\"true\">Les taux d'int\u00e9r\u00eat des banques centrales d'un pays.<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0Cela peut attirer les investissements \u00e9trangers.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">La masse mon\u00e9taire d'un pays -<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0La quantit\u00e9 d'argent qui circule dans le pays influe sur les prix des biens et des services.<\/span><\/li>\n<li><strong><span data-preserver-spaces=\"true\">Comment le march\u00e9 international per\u00e7oit-il la croissance \u00e9conomique et la stabilit\u00e9 financi\u00e8re d'un pays ?<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0Est-il s\u00fbr d'investir dans le pays, ou est-il trop instable et risqu\u00e9 ?<\/span><\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643034690033\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Le type de taux de change appliqu\u00e9 \u00e0 votre monnaie d\u00e9terminera \u00e9galement le montant que vous pourrez envoyer chez vous.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h2 style=\"text-align: left\" class=\"vc_custom_heading\" >Quels sont les types de taux de change ?<\/h2>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1594\" height=\"836\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/types-of-exchange-rates.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"Quels sont les types de taux de change ?\" title=\"Quels sont les types de taux de change ?\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/types-of-exchange-rates.jpg 1594w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/types-of-exchange-rates-300x157.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/types-of-exchange-rates-1024x537.jpg 1024w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/types-of-exchange-rates-768x403.jpg 768w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/types-of-exchange-rates-1536x806.jpg 1536w\" sizes=\"auto, (max-width: 1594px) 100vw, 1594px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643034846967\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Il existe deux types de taux de change : le taux de change flottant et le taux de change fixe.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h4 style=\"text-align: left\" class=\"vc_custom_heading\" >Taux de change flottants<\/h4>\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643034878361\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Les taux de change flottants ou flexibles sont d\u00e9termin\u00e9s par le march\u00e9 libre, avec peu ou pas d'intervention de la part du gouvernement ou de la banque centrale d'un pays. Cela signifie que les taux de change augmentent ou diminuent en fonction du march\u00e9 des changes.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643034891365\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">Le dollar am\u00e9ricain, le yen japonais et la livre sterling sont des exemples de devises utilisant ce type de taux de change. Depuis les ann\u00e9es 1970, le\u00a0<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.bsp.gov.ph\/Media_and_Research\/Primers%20Faqs\/exchange.pdf\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Peso philippin<\/span><\/a><span data-preserver-spaces=\"true\">\u00a0ont \u00e9galement suivi un syst\u00e8me de libre fluctuation, optant pour des changements plus progressifs de leurs taux de change plut\u00f4t que pour les fortes variations de taux qu'entra\u00eene un syst\u00e8me de taux de change fixe.<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h4 style=\"text-align: left\" class=\"vc_custom_heading\" >Taux de change fixes<\/h4>\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643035010973\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">Le gouvernement ou la banque centrale d'un pays fixe les taux de change et les \"<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.investopedia.com\/terms\/c\/currency-peg.asp\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">chevilles<\/span><\/a><span data-preserver-spaces=\"true\">\"Le taux de change est \u00e9gal \u00e0 la valeur d'une autre devise, g\u00e9n\u00e9ralement le dollar am\u00e9ricain. Le gouvernement annonce la hausse ou la baisse du taux de change. Des pays comme l'Inde et l'Arabie saoudite suivent ce syst\u00e8me pour leur roupie et leur riyal, respectivement.<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643035024418\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Le type de syst\u00e8me de change en vigueur dans votre pays d'accueil aura une incidence sur le montant que vous pourrez envoyer \u00e0 votre famille aux Philippines.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h2 style=\"text-align: left\" class=\"vc_custom_heading\" >Comment les taux de change vous affectent-ils ?<\/h2>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1594\" height=\"836\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/how-do-exchange-rates-affect-you.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"Comment les taux de change vous affectent-ils ?\" title=\"Comment les taux de change vous affectent-ils ?\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/how-do-exchange-rates-affect-you.jpg 1594w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/how-do-exchange-rates-affect-you-300x157.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/how-do-exchange-rates-affect-you-1024x537.jpg 1024w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/how-do-exchange-rates-affect-you-768x403.jpg 768w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/how-do-exchange-rates-affect-you-1536x806.jpg 1536w\" sizes=\"auto, (max-width: 1594px) 100vw, 1594px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643035133844\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Les taux de change varient dans un syst\u00e8me de libre fluctuation en fonction des mouvements sur le march\u00e9 des changes. Prenons l'exemple de la livre sterling :<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643035142296\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">Lorsque les Philippines ach\u00e8tent plus de livres sterling qu'elles n'en acceptent, la valeur du peso diminue, ou\u00a0<\/span><em><span data-preserver-spaces=\"true\">amortit<\/span><\/em><span data-preserver-spaces=\"true\">Si les Philippines acceptent plus de livres sterling qu'elles n'en ach\u00e8tent, la valeur du peso augmentera ou diminuera. Mais si les Philippines acceptent plus de livres sterling qu'elles n'en ach\u00e8tent, la valeur du peso augmentera, soit\u00a0<\/span><em><span data-preserver-spaces=\"true\">appr\u00e9cier,\u00a0<\/span><\/em><span data-preserver-spaces=\"true\">et il sera moins cher d'\u00e9changer des pesos philippins contre des livres sterling.\u00a0<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643035151035\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Si vous \u00eates un travailleur philippin expatri\u00e9 au Royaume-Uni, l'appr\u00e9ciation du peso philippin par rapport \u00e0 la livre sterling signifie que vous devrez envoyer plus d'argent dans votre pays qu'auparavant.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643035161716\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Dans un syst\u00e8me de taux de change fixe, la banque centrale d'un pays d\u00e9tient une certaine devise \u00e9trang\u00e8re, comme le dollar am\u00e9ricain. Si le pays a besoin d'augmenter la valeur de sa propre monnaie, sa banque centrale vend ses dollars. Cela augmente l'offre de dollars sur le march\u00e9 \u00e9tranger et d\u00e9pr\u00e9cie sa valeur. Dans le m\u00eame temps, il y a moins de monnaie de ce pays sur le march\u00e9 mondial, de sorte que la valeur de sa monnaie locale augmente.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643035172742\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>En Arabie saoudite, o\u00f9 le riyal est rattach\u00e9 au dollar am\u00e9ricain, la monnaie monte et descend avec le dollar. Lorsque le dollar est \u00e0 la hausse, les importations sont moins ch\u00e8res en Arabie saoudite et le riyal peut \u00eatre utilis\u00e9 \u00e0 bon escient. Lorsque le dollar baisse, les prix des produits import\u00e9s augmentent en m\u00eame temps que les prix du p\u00e9trole.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643035181049\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Une fois que vous avez d\u00e9termin\u00e9 le syst\u00e8me de change en vigueur dans votre pays d'accueil, vous pouvez commencer \u00e0 calculer le montant que vous devez envoyer chez vous.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h2 style=\"text-align: left\" class=\"vc_custom_heading\" >Comment calculer les taux de change<\/h2>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1594\" height=\"836\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/how-to-compute-for-exchange-rates.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"Comment calculer les taux de change\" title=\"Comment calculer les taux de change\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/how-to-compute-for-exchange-rates.jpg 1594w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/how-to-compute-for-exchange-rates-300x157.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/how-to-compute-for-exchange-rates-1024x537.jpg 1024w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/how-to-compute-for-exchange-rates-768x403.jpg 768w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/how-to-compute-for-exchange-rates-1536x806.jpg 1536w\" sizes=\"auto, (max-width: 1594px) 100vw, 1594px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643035459279\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Supposons que vous travailliez au Royaume-Uni, qui applique un syst\u00e8me de taux de change flottant, et que vous souhaitiez envoyer 14 000 euros aux Philippines. Combien de livres sterling cela co\u00fbterait-il ?<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643035632526\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Le calcul serait le suivant : <strong>(montant souhait\u00e9 en pesos) \/ (taux de change entre le Royaume-Uni et les Philippines)<\/strong><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1645176698714\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">Utilisons\u00a0<\/span><span data-preserver-spaces=\"true\">Taux de change plus \u00e9lev\u00e9 de Kabayan Remit<\/span><span data-preserver-spaces=\"true\"> \u00e0 \u20a41 est \u00e0 \u20b170. Notre calcul serait alors le suivant : <strong>\u20b114,000 \/ 70 = \u20a4200<\/strong><\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1645176705234\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Cela signifie que vous devrez pr\u00e9parer 200 \u20a4200 pour envoyer 14 000 \u20b1 aux Philippines.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036118479\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Mais qu'en est-il si vous revenez au Royaume-Uni apr\u00e8s des vacances aux Philippines et que vous voulez avoir 100 \u20a4100 \u20a4 d'argent de poche \u00e0 votre arriv\u00e9e \u00e0 Heathrow ? Quelle part de vos pesos philippins devriez-vous mettre de c\u00f4t\u00e9 ?<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036139541\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Suivez ce calcul :<strong> (montant souhait\u00e9 en livres) x (taux de change entre le Royaume-Uni et les Philippines)<\/strong><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036237364\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Voici \u00e0 quoi cela ressemblera dans notre exemple : <strong>\u20a4100 x 70 = \u20b1 7,000<\/strong><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036247443\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Vous devrez \u00e9pargner 7 000 \u20b1 pour qu'il vous reste 100 \u20a4100 \u20a4 \u00e0 votre arriv\u00e9e au Royaume-Uni.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036259136\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong><span data-preserver-spaces=\"true\">Rappelez-vous :<\/span><\/strong><span data-preserver-spaces=\"true\">\u00a0Le montant \u00e0 \u00e9pargner ou \u00e0 envoyer d\u00e9pend du prestataire de services que vous choisissez et des taux de change qu'il propose.<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h2 style=\"text-align: left\" class=\"vc_custom_heading\" >Trouver les meilleurs taux de change<\/h2>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1594\" height=\"836\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/finding-the-best-exchange-rates.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"Trouver les meilleurs taux de change\" title=\"Trouver les meilleurs taux de change\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/finding-the-best-exchange-rates.jpg 1594w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/finding-the-best-exchange-rates-300x157.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/finding-the-best-exchange-rates-1024x537.jpg 1024w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/finding-the-best-exchange-rates-768x403.jpg 768w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/finding-the-best-exchange-rates-1536x806.jpg 1536w\" sizes=\"auto, (max-width: 1594px) 100vw, 1594px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036343498\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">Quand\u00a0<\/span><span data-preserver-spaces=\"true\">remettre de l'argent<\/span><span data-preserver-spaces=\"true\">\u00a0aux Philippines, vous pouvez choisir parmi un large \u00e9ventail de prestataires de services de change, notamment<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036372014\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Votre banque ou coop\u00e9rative de cr\u00e9dit locale<\/span><\/li>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Kiosques de change (g\u00e9n\u00e9ralement dans les a\u00e9roports)<\/span><\/li>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Distributeurs de billets \u00e9trangers<\/span><\/li>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Services de transfert d'argent en ligne<\/span><\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036381375\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Quel que soit le service choisi, c'est ainsi que vous \u00e9changez votre argent contre une autre devise :<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036400207\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ol>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Demandez \u00e0 changer votre argent dans la devise de votre pays d'origine ; dans votre cas, il s'agit du peso philippin.<\/span><\/li>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Le service de change examine les taux de change actuels.<\/span><\/li>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Vous en avez pour votre argent en pesos philippins.<\/span><\/li>\n<\/ol>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036414877\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Mais vous devrez vous en souvenir :<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036423838\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ol>\n<li><span data-preserver-spaces=\"true\">Le taux de change varie d'un prestataire de services \u00e0 l'autre.<\/span><\/li>\n<li><span data-preserver-spaces=\"true\">Certaines entreprises facturent des frais de traitement.<\/span><\/li>\n<\/ol>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036549152\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Le taux de change d'une soci\u00e9t\u00e9 et les frais qu'elle facture influent sur le montant qui parvient \u00e0 votre famille aux Philippines.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h2 style=\"text-align: left\" class=\"vc_custom_heading\" >Comment \u00e9conomiser en envoyant de l'argent aux Philippines<\/h2>\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"1594\" height=\"836\" src=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/how-to-save-when-sending-money.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"Comment \u00e9conomiser en envoyant de l&#039;argent aux Philippines\" title=\"Comment \u00e9conomiser en envoyant de l&#039;argent aux Philippines\" srcset=\"https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/how-to-save-when-sending-money.jpg 1594w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/how-to-save-when-sending-money-300x157.jpg 300w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/how-to-save-when-sending-money-1024x537.jpg 1024w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/how-to-save-when-sending-money-768x403.jpg 768w, https:\/\/kabayanremit.com\/blog\/wp-content\/uploads\/2022\/01\/how-to-save-when-sending-money-1536x806.jpg 1536w\" sizes=\"auto, (max-width: 1594px) 100vw, 1594px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036591827\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Pour tirer le meilleur parti des taux de change, veillez \u00e0 suivre les conseils suivants :<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h4 style=\"text-align: left\" class=\"vc_custom_heading\" >V\u00e9rifier les frais de transaction \u00e0 l'\u00e9tranger<\/h4>\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036617738\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>En g\u00e9n\u00e9ral, les cartes de cr\u00e9dit et de d\u00e9bit facturent 3% par transaction lorsque vous les utilisez pour des r\u00e8glements \u00e0 l'\u00e9tranger. Ces frais s'additionnent lorsque vous continuez \u00e0 utiliser vos cartes pour effectuer des transferts de fonds vers les Philippines, ce qui les rend plus co\u00fbteux.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1750420920148\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">Si vous devez utiliser une carte de cr\u00e9dit ou de d\u00e9bit, choisissez la soci\u00e9t\u00e9 qui facture les frais les moins \u00e9lev\u00e9s. Alors que certaines soci\u00e9t\u00e9s facturent 3% par transaction, d'autres groupes comme Kabayan Remit ne facturent que 2,99 \u00a3, m\u00eame pour des transactions allant jusqu'\u00e0 5 000 \u00a3.<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h4 style=\"text-align: left\" class=\"vc_custom_heading\" >R\u00e9duire au minimum l'utilisation des kiosques de change<\/h4>\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036682913\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Se fier au kiosque le plus proche signifie g\u00e9n\u00e9ralement choisir des taux de change plus bas et des frais de traitement plus \u00e9lev\u00e9s. Vous ne tirerez pas le meilleur parti de vos gains si vous continuez \u00e0 agir de la sorte \u00e0 long terme.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h4 style=\"text-align: left\" class=\"vc_custom_heading\" >Veillez \u00e0 comparer les tarifs des fournisseurs<\/h4>\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036720728\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">Si vous choisissez de\u00a0<\/span><span data-preserver-spaces=\"true\">envoyer de l'argent en ligne<\/span><span data-preserver-spaces=\"true\">Pour cela, faites vos recherches et regardez les taux de change de chaque fournisseur. Vous pouvez utiliser notre\u00a0<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/kabayanremit.com\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">tableau comparatif<\/span><\/a><span data-preserver-spaces=\"true\">\u00a0pour conna\u00eetre les taux de change des diff\u00e9rents prestataires.<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<h4 style=\"text-align: left\" class=\"vc_custom_heading\" >Choisissez un service qui tire le meilleur parti de votre \u00e9pargne durement gagn\u00e9e<\/h4>\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036936981\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Si vous \u00eates un Philippin actif bas\u00e9 \u00e0 l'\u00e9tranger, vous devez planifier \u00e0 l'avance. Lorsque vous pr\u00e9voyez d'envoyer de l'argent aux Philippines, r\u00e9fl\u00e9chissez aux questions suivantes :<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036961864\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Qui recevra votre argent ?<\/span><\/li>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">O\u00f9 allez-vous envoyer votre argent ?<\/span><\/li>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Dans quel d\u00e9lai votre famille a-t-elle besoin de cet argent ?<\/span><\/li>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Quelles sont les factures que vous devez payer dans votre pays ?<\/span><\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643036999898\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Veillez \u00e0 choisir une soci\u00e9t\u00e9 de transfert d'argent qui r\u00e9ponde \u00e0 toutes ces pr\u00e9occupations. \u00c0 l'adresse <a href=\"https:\/\/app.kabayanremit.com\/clients\/login\">Remise Kabayan<\/a>Nous avons tout ce qu'il vous faut.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643037010999\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Voici comment nous pouvons vous aider :<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643108642085\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<ul>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Kabayan Remit propose une application mobile intuitive qui vous permet d'envoyer de l'argent o\u00f9 que vous soyez.<\/span><\/li>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Transferts d'argent instantan\u00e9s ! Envoyez de l'argent en une heure.\u00a0<\/span><\/li>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Envoyez de l'argent vers les principales banques et agences de transfert de fonds aux Philippines, notamment BPI, Metrobank, Cebuana Lhuillier et LBC.<\/span><\/li>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Passez au num\u00e9rique et envoyez de l'argent \u00e0\u00a0<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/kabayanremit.com\/blog\/news\/globe-gcash-smart-paymaya-kabayan-remit\/\" rel=\"noopener\"><span data-preserver-spaces=\"true\">portefeuilles mobiles<\/span><\/a><span data-preserver-spaces=\"true\">\u00a0comme GCash et Paymaya.<\/span><\/li>\n<li class=\"heightli\"><span data-preserver-spaces=\"true\">Payez votre\u00a0<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/kabayanremit.com\/help-center\/which-bills-can-i-pay-for\/\" rel=\"noopener\"><span data-preserver-spaces=\"true\">factures<\/span><\/a><span data-preserver-spaces=\"true\"> et les contributions gouvernementales avec notre application mobile.<\/span><\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1643037123556\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span data-preserver-spaces=\"true\">Vous voulez en savoir plus ? Contactez notre \u00e9quipe bilingue 24\/7\u00a0<\/span><span data-preserver-spaces=\"true\">\u00e9quipe d'assistance \u00e0 la client\u00e8le<\/span><span data-preserver-spaces=\"true\">\u00a0ou visiter\u00a0<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/kabayanremit.com\/\" rel=\"noopener\"><span data-preserver-spaces=\"true\">kabayanremit.com<\/span><\/a><span data-preserver-spaces=\"true\">.\u00a0<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Lorsque vous vous appr\u00eatez \u00e0 envoyer de l'argent aux Philippines, la premi\u00e8re chose \u00e0 faire est de consulter les taux de change. Que vous travailliez au Royaume-Uni, en Espagne, en France ou ailleurs en Europe, les taux de change d\u00e9termineront le montant de l'argent qui parviendra \u00e0 vos proches rest\u00e9s au pays.<\/p>","protected":false},"author":3,"featured_media":1824,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[59],"class_list":["post-1817","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-exchange-rates"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Exchange rates explained - Everything you need to know<\/title>\n<meta name=\"description\" content=\"Everything you need to know about exchange rates, how they work and how to find the best rates when sending money to the Philippines\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kabayanremit.com\/blog\/fr-ca\/financer\/comprendre-les-taux-de-change\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Exchange rates explained - 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