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Shine

Neobank for freelancers and small businesses

Founded in
2017
Headquarters
France

Overview

A neobank for freelancers and small businesses, founded in 2017 by Raphael Simon and Nicolas Reboud. Acquired by the Societe Generale group in June 2020 after winning over more than 70,000 entrepreneurs in under three years, Shine was later sold to the Danish group Ageras in 2024, which adopted the Shine name in 2025 to consolidate its brand among European freelancers. The platform combines a business account with a French IBAN, a Mastercard, e-invoicing tools compliant with French regulations and built-in accounting features including a French social-security (URSSAF) contribution estimator. Shine now claims more than 150,000 active entrepreneur users (versus the 350,000 customers reported by some sources that include legacy accounts), a 4.8/5 rating across more than 26,000 App Store reviews and the 2026 Customer Service of the Year award in the online banking for professionals category. Customer support is available 7 days a week by phone and messaging, delivering a responsiveness praised by users. The offer comes in four plans ranging from a free account with basic features up to a Business plan at 70 euros per month with unlimited transfers and 10 Premium cards for teams. 150,000+ active users, 4.8/5 across 26,000+ App Store reviews, 2026 Customer Service of the Year, founded in 2017, acquired by Societe Generale (2020) then Ageras (2024)

2026 Customer Service of the Year in online banking for professionals, an independent award

Key features

Instant SEPA and international transfers available from the business account

Automated, customizable payment reminders for overdue invoices

Real-time visibility into cash flow and incoming and outgoing financial flows

Customer support available 7 days a week by phone and written messaging

Named 2026 Customer Service of the Year in the online banking for professionals category

Mobile app on iOS and Android with a web interface for multi-channel management

Built-in French social-security (URSSAF) contribution estimator to anticipate freelancers' social charges

Pricing

Freemium
0 EUR
Free trial: Free version available
Explore the offer

Who is it for?

Sole traders and freelancers looking for a simple, all-in-one business accountFreelancers and independent professionals needing built-in invoicing and accounting toolsGrowing small businesses needing multi-user management with per-employee cardsMore than 150,000 active entrepreneur users on the platform

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Qonto

French fintech founded in 2016 by Alexandre Prot and Steve Anavi

French fintech founded in 2016 by Alexandre Prot and Steve Anavi, offering an online business account and a complete financial management suite for European companies and freelancers. Licensed as a payment institution by the ACPR (the French Prudential Supervision and Resolution Authority) since 21 June 2018 under registration number 16958, Qonto now serves more than 600,000 customers across eight European countries: France, Germany, Spain, Italy, Austria, Belgium, Portugal and the Netherlands. The company employs around 1,600 people and has raised a total of 622 million euros, including 486 million in its Series D, which valued it at 4.4 billion euros, making it the largest French unicorn at the time of that round. Qonto holds a Trustpilot rating of 4.8/5 across more than 53,000 reviews, with similar ratings on the App Store (4.7/5), the Play Store (4.7/5) and G2 (4.8/5). The platform offers more than 2,000 integrations with leading business tools and is an approved platform for mandatory electronic invoicing. An independent Forrester study estimated the benefits at 51,000 euros over three years for small businesses using Qonto, with a return on investment in under six months. 622M EUR raised in total (including 486M EUR in Series D), 4.4B EUR valuation, 600,000+ customers in 8 European countries, around 1,600 employees, Trustpilot 4.8/5 across 53,000+ reviews, ISO 27001 certified

2016
18 rue de Navarin, 75009 Paris, France
Account opening in around 10 minutes, fully online with no branch visit required
Deposit protection of up to 100,000 euros per partner bank, in line with regulations
Customer support available 24/7 in 5 European languages