Shine
Reviewed by Alexis Morain · Updated July 13, 2026
Shine is the French neobank for freelancers and small businesses: business account, card, invoicing. Free plan, paid tiers from €9/month excl. VAT.
A clear French neobank for freelancers and small businesses, pairing a business account with management tools, without the services of a full-fledged bank.
- Business account, French IBAN, and Mastercard
- Built-in invoicing and management tools
- Not a full-fledged bank (no credit, no overdraft)
Shine is a French neobank dedicated to freelancers, sole traders, and small businesses, now backed by the Société Générale group. It combines a business account with management tools to cover banking and admin work in one place.
What is Shine used for?
You open a business account with a French IBAN and a Mastercard, receive and make payments, and the app adds a management layer: creating quotes and invoices, tracking payments, preparing filings and contributions, and categorizing expenses. Real-time alerts and sub-accounts help you steer cash flow. Shine targets those who want an online bank built for a freelancer's daily life, not a traditional bank.
Shine vs Qonto and Indy: which one?
Compared to Qonto, more geared toward SMEs and teams, Shine mainly targets solo freelancers and small businesses with a clear offer. Compared to Indy, centered on accounting, it primarily brings the bank account and payment collection. You can even pair it with an invoicing tool like Freebe depending on your needs.
What are Shine's limitations?
It's not a full-fledged bank: no traditional credit and no overdraft like a conventional bank. Caps and the number of included transfers depend on the plan, and the needs of a growing business can outgrow the neobank's scope.
Pros & Cons
- Business account, French IBAN, and Mastercard
- Built-in invoicing and management tools
- Free plan to get started
- French company backed by Société Générale
- Not a full-fledged bank (no credit, no overdraft)
- Caps and transfers limited depending on the plan
- Scope sometimes falls short for a growing business
Key features of Shine
Business account
French IBAN, Mastercard, payment collection
Invoicing
Quotes, invoices, and payment tracking
Management and contributions
Filing preparation and expense categorization
Sub-accounts and alerts
Real-time cash flow management
Shine pricing
Shine offers a free Free plan (Basic Mastercard, 5 SEPA transfers, and 3 invoices per month). Paid tiers are Start at €9/month excl. VAT, Plus at €20/month excl. VAT, and Business at €60/month excl. VAT, with cards, a French IBAN, and invoicing and accounting tools depending on the plan. The first month is free; annual billing gives up to a 20% discount.
Free plan / trial
Free plan: €0, Basic Mastercard, 5 SEPA transfers and direct debits per month, and 3 free invoices per month.
Free
Basic Mastercard · 5 SEPA transfers/month · 3 invoices/month
0 €
Start
Business account and French IBAN · Invoicing · Extended caps
9 € per month excl. VAT
Plus
Sub-accounts · Payment collection · Advanced management
20 € per month excl. VAT
Business
Multiple users · Full features · Priority support
60 € per month excl. VAT
Pricing verified on July 11, 2026
Try ShineWho is Shine for?
Best for
- Freelancers and sole traders
- Small businesses wanting a business account and management combined
- Freelancers looking for a French online bank
Not recommended for
- Need for credit or a bank overdraft
- Organizations outgrowing the scope of a neobank
Want to try Shine?
Head to the official site and the current offer.
Frequently asked questions about Shine
Does Shine have a free plan?▼
Is Shine a real bank?▼
Shine or Qonto?▼
Analyze with an AI assistant
Tech sheet
Vendor
Similar to Shine
