A business account with a French IBAN and a card
You get a French IBAN and a Mastercard. You make your transfers, direct debits, and payments from the app. Each plan includes a number of transfers and direct debits per month.
AI tools · Accounting, finance, HR, legal
Shine pricing, use cases, and first steps
Shine is business software: a French online business account for freelancers and small businesses, with a card, invoicing, and expense tracking. It has no AI assistant. What it does on its own is simpler: read a receipt, detect the VAT, match a payment to the right invoice, and send a reminder to a customer who is late.
Shine has a free plan. The recommended plan to start with: Start, €9 excl. tax, per month, paid yearly (€11 with no commitment). Prices checked on October 3, 2026 on the vendor’s official page.
ShineAn online business account, with invoices and receipts built in- Vendor
- Shine (France), Ageras group
- Free plan
- Yes
- Recommended plan
- Start, €9 excl. tax, per month, paid yearly (€11 with no commitment)
- Page checked on
- October 3, 2026
What Shine does
Who it’s for: sole proprietors, freelancers, and small companies that want their account and their invoices in the same app.
Quotes and invoices linked to the account
You create as many quotes and invoices as you like, in your brand colors. When the customer pays, Shine matches the payment to the invoice on its own, with its VAT. Unpaid invoices get automatic reminders, based on your settings.
Paying an invoice by card
The customer can pay your invoice by transfer or directly by card. The money arrives in your account right away. Card payment is only offered for invoices under €500.
Also
- Photographed receipts and VAT detected
- Electronic invoicing
- Sub-accounts for setting money aside
- The export for your accountant
- Team expenses
Shine pricing
The terms above are the ones Shine announces starting October 5, 2026. Through October 4, the Free plan includes 5 transactions per month and the Business plan costs €60 excl. tax per month paid yearly (€80 with no commitment), with 500 transactions and 10 cards. All prices exclude tax.
| Plan | Price | Who it’s for |
|---|---|---|
| Free | €0 | A business just starting out, with few transactions |
| Start Recommended to start | €9 excl. tax, per month, paid yearly (€11 with no commitment) | A freelancer with regular activity |
| Plus | €20 excl. tax, per month, paid yearly (€25 with no commitment) | A small team |
| Business | €45 excl. tax, per month, paid yearly (€60 with no commitment) | A company with several users and an accounting firm |
What the free plan includes
The Free plan has no subscription: an account with a French IBAN, unlimited quotes and invoices, receipts, exports, and electronic invoicing. Starting October 5, 2026, it includes 3 transfers or direct debits per month (€0.50 excl. tax each after that) and a virtual card. The physical card costs €7 excl. tax in shipping fees.
Nova’s advice
With only 3 transactions per month, the Free plan suits a very quiet business or a trial. As soon as you have customers and expenses every month, Start is the right place to begin. If you already have a bank and only want to invoice, look at Shine Facture, which has a free plan.
A first try, in 5 minutes
Your data. Shine is a French payment institution, supervised by the ACPR, France’s banking regulator. Your data is stored in the European Union and is not used to train an AI.
What it does less well
- No AI assistant to ask a question about your accounts. Automation is limited to receipts, VAT, reminders, and matching payments to invoices.
- Paying an invoice by card only works for invoices under €500.
Create and send an invoice from ShineShine- On a computer, open the invoicing section and choose to create an invoice. On a phone: the invoices tab, the + button, then create an invoice.
- Choose an existing customer or create a new one.
- Give the invoice a title, then add a line to describe the work and its price.
- Set the issue date, the payment date, and the accepted payment method, then save the invoice.
- Assign the invoice number. Numbers must follow one another, with no gaps.
- Choose to send it with Shine. You will be notified when the customer opens the invoice and when they pay.
Alternatives to Shine
Qonto
A more complete business account for companies, with AI agents and more team tools.
Indy
If bookkeeping that fills itself in matters more to you than the bank account.
Abby
For a French sole proprietor who mostly wants to invoice and file with URSSAF (French payroll contributions).
Tiime
If your accountant already works with this tool.
SumUp
If you mostly take card payments, in a shop or at the customer’s site.
Frequently asked questions about Shine
How much does Shine cost?
Free: €0; Start: €9 excl. tax, per month, paid yearly (€11 with no commitment); Plus: €20 excl. tax, per month, paid yearly (€25 with no commitment); Business: €45 excl. tax, per month, paid yearly (€60 with no commitment). Prices checked on October 3, 2026 on the vendor’s official page.
Can you use Shine for free?
Yes. The Free plan has no subscription: an account with a French IBAN, unlimited quotes and invoices, receipts, exports, and electronic invoicing. Starting October 5, 2026, it includes 3 transfers or direct debits per month (€0.50 excl. tax each after that) and a virtual card. The physical card costs €7 excl. tax in shipping fees.
What happens to my data with Shine?
Shine is a French payment institution, supervised by the ACPR, France’s banking regulator. Your data is stored in the European Union and is not used to train an AI.
What are the alternatives to Shine?
Qonto: A more complete business account for companies, with AI agents and more team tools. Indy: If bookkeeping that fills itself in matters more to you than the bank account. Abby: For a French sole proprietor who mostly wants to invoice and file with URSSAF (French payroll contributions). Tiime: If your accountant already works with this tool. SumUp: If you mostly take card payments, in a shop or at the customer’s site.
Official pages consulted
Page checked on October 3, 2026. Brands are named to identify the tools. No affiliation.