The business account for companies and independent workers 💫
3 months free
Get 3 months of Shine free and €20 off setting up your micro-entreprise, only through this link
What is Shine?
Shine is a neobank dedicated to freelancers, micro-entrepreneurs and independent workers registered in France. It offers a business account with tools that make running your business easier, all with a simple and accessible interface. The idea is to support you in the day-to-day management of your finances without complicating your life.
Shine opens accounts for businesses registered in France. If you are a foreign freelancer set up in France (micro-entrepreneur, sole trader or company), it works for you like for any French freelancer.
FreelanceKit offer: 3 months of Shine free when you open your business account, and €20 off setting up your micro-entreprise (the French simplified sole trader status). To get it, start your sign-up from our link: without it, Shine cannot apply the offer.
What you can do with Shine
- Manage your finances in real time: check your balance, track transactions and categorise expenses automatically.
- Create quotes and invoices: generate quotes and invoices directly from the app, in a few clicks.
- Tax and social notifications: Shine lets you know about administrative deadlines so you never miss one.
- Admin assistance: support and advice to run your micro-entreprise, and access to resources on administrative procedures.
- Mastercard payment card: for your business expenses, with the option to manage limits and alerts.
- Protection against the unexpected: legal cover included to protect you against unpaid invoices and disputes.
Shine pricing in 2026
The prices and conditions on this page are those of Shine's French offer.
Shine offers different plans suited to each type of independent worker:
- Shine Free: €0, free business account with a virtual card, three transfers a month and unlimited quotes and invoices.
- Shine Start: €11 excl. VAT/month (€9 on annual billing), full business account with 30 transfers included, one sub-account, dashboard and social contributions estimator.
- Shine Plus: €25 excl. VAT/month (€20 on annual billing), three Premium cards, 150 transfers included, five sub-accounts, insurance and assistance.
- Shine Business: €60 excl. VAT/month (€45 on annual billing), the plan designed for teams and companies.
(Prices checked on shine.fr in October 2026: monthly billing prices, with the annual price in brackets. Start, Plus and Business come with a 30-day trial.)
Why choose Shine?
Shine stands out for its human approach and its commitment to supporting freelancers beyond standard banking services. Compared with Qonto or N26, Shine offers:
- Personalised support: Shine is not just a bank, it is also an admin assistant with deadline reminders and advice to run your business.
- Tools built for micro-entrepreneurs: such as easy creation of quotes and invoices directly from the app.
- Legal assistance: 10 calls a year with the Plus and Business plans, a real plus compared with most neobanks.
Shine or another business account?
Shine is not the only neobank for independent workers. If you want to compare its pricing and services with those of Qonto, Blank or Propulse by CA, see our page dedicated to alternatives to Shine.
Strengths and weaknesses
Strengths
- Useful free plan: business account and unlimited invoicing at €0
- Electronic invoicing included for free (Plateforme Agréée, an accredited platform under the French e-invoicing reform)
- Customer service based in France, available 7 days a week
- No commitment, with a 30-day trial on paid plans
Weaknesses
- Account can never be overdrawn (payment institution, not a bank)
- Cash deposits charged as a percentage (2% to 5%) and withdrawals capped on the smaller plans
- Higher fees on the free plan for payments in foreign currencies (2%)
Frequently asked questions about Shine
Shine is a French neobank designed for freelancers, auto-entrepreneurs (the French micro-entrepreneur status) and independent workers registered in France. It combines a business account, a Mastercard and management tools (invoicing, contribution estimates, admin assistance).
Shine has a free plan (Free), then paid plans: Start at €11 excl. VAT/month, Plus at €25 excl. VAT/month and Business at €60 excl. VAT/month on monthly billing, or €9, €20 and €45 excl. VAT/month on annual billing. Paid plans include a 30-day free trial (prices checked on shine.fr in October 2026).
Yes, Shine has a free plan (Shine Free) with a Mastercard, a few transfers and invoice creation. Advanced features require a paid plan.
Yes, it is one of its main targets: quotes and invoices, a social contributions estimator and reminders for URSSAF deadlines (URSSAF is the French social contributions agency).
Shine focuses on admin support for independent workers (assistance, legal protection), while Qonto targets teams and small businesses more.
The main alternatives are Qonto, Blank, Propulse by CA and Revolut Business. Compare them on our page dedicated to Shine alternatives.
Shine opens accounts for businesses registered in France (micro-entrepreneur, sole trader or company). If you are a foreign freelancer set up in France under a French status, it works like for any French freelancer. For a business registered elsewhere, look for a local provider.
Alternatives to Shine
What we would use instead, in the same category.
Compare all the alternatives to Shine
See our full comparison of the 4 alternatives to Shine in 2026: prices, features and strengths, in detail.
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