Shine
The business account and admin assistant for freelancers and independent professionals in France, with integrated invoicing
Overview
Shine is a payment institution licensed by the Banque de France, targeting freelancers, sole traders and small French companies (SAS/SARL). Its strength: combining a business account with a French IBAN, integrated invoicing tools and an admin assistant that guides you through local procedures (company registration, URSSAF social contribution filings). The Free plan is genuinely usable with 5 free transactions/month and unlimited invoicing.
Paid plans (Start at €11, Plus at €25, Business at €80/month ex VAT) add premium physical cards, professional insurance and priority support. Shine won the French Customer Service of the Year award in 2025 for the second consecutive year. AI is limited to expense categorization and invoicing suggestions, less advanced than Qonto on that front.
Our verdict
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.