Indy vs Shine
 Indy |  Shine | |
|---|---|---|
| Rating | ⭐ 4.4 / 5 | ⭐ 4.3 / 5 |
| Category | Accounting & finance | Accounting & finance |
| Pricing model | Freemium | Freemium |
| From | ~€0 (free) or ~€12/month | ~€0 (Free) or ~€11/month ex VAT |
| Ease of use | Beginner | Beginner |
| French interface | Yes | Yes |
| API | — | Yes |
| Website | Visit → | Visit → |
Our verdict: Indy
The free reference for independent professionals filing in France who want to self-manage without paying an accountant every month. Ideal for freelancers, consultants or healthcare professionals in private practice. Avoid if you are incorporated with employees or run an SCI: you will need to move to Pennylane or Dougs.
Our verdict: Shine
Ideal for independent professionals and microenterprises registered in France who want a simple business bank with invoicing and admin in one place, with no commitment. The Free plan is enough to get started. Avoid for SMEs with multiple collaborators or significant banking needs: Qonto is better suited from 3 people onwards.
Still torn between Indy and Shine?
We look at what you actually need and tell you which one to set up (or a third that fits better).
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