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Pixpay FR review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Pixpay suits a teen in France who wants a card and app of their own. It costs €3.99 a month, converts currency at 2%, and covers deposits under EU protection, so euro spending stays cheap while other currencies do not.

Key facts

Best for
A teen or student in France who wants their own card and app with euro costs and EU deposit protection.
Monthly fee
€3.99↗
Deposit protection
EU DGS up to EUR 100,000↗
Currency conversion fee
2%↗
Local account details
IBAN↗
Free ATM withdrawals
€1↗
Transfer fee
Free: no top-up fee when funding by card or transfer, and no transaction fees↗
Legal entity
BFF Financial Services↗
Headquarters
France↗
Support channels
Email, Chat, Help-centre↗
Audience
Teens
Features
Free ATM withdrawals, Joint account
Official website
pixpay.fr

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • Built for teens as the account's stated audience, which is a smaller field than general accounts
  • Deposits are under EU DGS with cover of EU DGS up to EUR 100,000
  • No charge to top up by card or transfer, and no transaction fees, so everyday money movement costs nothing
  • Free ATM withdrawals, a feature shared by 52.9% of the accounts tracked
  • An IBAN is issued, the local detail most accounts on the site provide

Cons

  • A monthly fee of €3.99 where the site median is €0
  • A currency conversion fee of 2%, against a site median of 0.5% and a teen and student median of 1.5%
  • Support runs on email, chat and help centre only, with no phone line listed
  • The licence sits with the Malta Financial Services Authority and De Nederlandsche Bank rather than a French authority
Pixpay FR

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Scored 8.7 / 10 by VaultCue.

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Who it suits

  • A teen in France who wants their own card and app, with a French IBAN and euro pricing
  • A parent looking for a shared or joint account with a young person
  • Anyone who holds euro spending money and wants the balance covered by EU deposit protection

Who should look elsewhere

  • Anyone who spends in other currencies often, since the conversion fee sits well above the teen and student median
  • A reader who wants an account with no monthly charge, where bunq lists a monthly fee of €0
  • Credit Agricole Egypt Member Get Member, which charges a monthly fee of EGP 50 and targets a different market

Safety of your money

Balances are covered by EU DGS with cover of EU DGS up to EUR 100,000. The account runs on a French IBAN, so a young person can be paid and paid back in euro without setting up anything else. Licence numbers are held in Malta and the Netherlands, which is where the regulatory oversight sits rather than in France, and the protection scheme named is the EU one rather than a national French guarantee.

Regulation and registers

The account is licensed by the Malta Financial Services Authority under C 106164 and by De Nederlandsche Bank under R182870. Two supervisors mean oversight across markets, and it is the EU arrangement that underpins the deposit protection rather than a single national register.

Where it sits among rivals

On currency conversion the account ranks 214 among 312 accounts tracked, and on the monthly fee it sits at 443 of 500. Both positions put it well down the list, which matches the picture of a teen account that is not chasing the lowest costs in the market.

Fees and currency costs

The monthly fee is €3.99, against a site median monthly fee of €0 and a teen and student median of €0. Currency conversion is charged at 2%, which is above the site median of 0.5% and above the teen and student median of 1.5%. Funding is the softer spot: there is no top up fee when funding by card or transfer, and no transaction fees, so the cost of the account sits in the monthly charge and in any currency other than the euro.

Using it day to day

An IBAN is issued, which covers 73.8% of the accounts on the site, and free ATM withdrawals are included, a feature that 52.9% of tracked accounts also carry. Help runs on email, chat and help centre, so questions are handled in writing or in a live chat rather than on the phone. The account is aimed at a teen audience, so it is built for someone doing their first bit of budgeting rather than for a household with several income streams.

Who runs it

The account is run by BFF Financial Services and is headquartered in France, with the licence held in Malta and the Netherlands. Support is provided on email, chat and help centre. The company behind it sits outside France for regulatory purposes, which matters to a reader who wants to know who answers for the money, and the teen focus is the part of the offer that sets it apart from a general current account.

How Pixpay FR compares

Where Pixpay FR is available

Available
France, Malta, Netherlands
Licence in Malta
Malta Financial Services Authority (MFSA) (C 106164), checked September 26, 2026
Licence in Netherlands
De Nederlandsche Bank N.V. (R182870), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does Pixpay cost to run each month?+

The monthly fee is €3.99, where the median across the accounts tracked is €0. Most of the accounts in the teen and student ranking charge nothing, so the monthly charge is the main running cost here. It ranks 443 of 500 on that measure.

What does it cost to change currency?+

Currency conversion is charged at 2%, which sits above the site median of 0.5% and the teen and student median of 1.5%. A reader who spends mainly in the euro pays nothing extra, since the fee applies when money is converted. It ranks 214 of 312 on conversion cost.

Is my money protected if the provider fails?+

Balances are covered by EU DGS with cover of EU DGS up to EUR 100,000. The account is licensed in Malta and the Netherlands, and the scheme named is the EU one, so protection comes through the EU framework rather than a national French scheme. The licence numbers sit with the Malta Financial Services Authority and De Nederlandsche Bank.

Who runs the account and where are they based?+

The account is run by BFF Financial Services, headquartered in France, with the licence held by the Malta Financial Services Authority under C 106164 and by De Nederlandsche Bank under R182870. Regulatory oversight therefore sits outside France, which is worth weighing for a reader who wants a French regulator.

Can I withdraw cash without paying?+

Yes, free ATM withdrawals are included, and 52.9% of the accounts tracked carry the same feature. The account also issues an IBAN, the local detail provided by 73.8% of accounts on the site, so pay ins and pay outs in euro work without extra local paperwork.

How do I contact support?+

Help is available on email, chat and help centre. That means email, chat and a help centre, with no phone line listed, so a question that needs a voice call is not covered by what is published. The help centre is the route 86.1% of accounts on the site rely on.

What does it cost to put money in and pay it out?+

There is no top up fee when funding by card or transfer, and no transaction fees. So the everyday cost of moving money in and out is nothing, and the charges to weigh are the monthly fee of €3.99 and the conversion fee of 2% on anything outside the euro.

Who is this account built for?+

The stated audience is teen, and 74.8% of the accounts in that ranking share it. It suits a young person in France who wants a card and an app of their own, with euro pricing and EU deposit protection. A reader who needs several currencies would look further.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Currencies.

Pixpay FR

Pixpay FR

A teen or student in France who wants their own card and app with euro costs and EU deposit protection.

8.7/10Visit