Updated October 14, 2026 · VaultCue Editorial Team
Satispay vs Sumeria
Satispay
Higher score in this comparison
Sumeria
Satispay vs Sumeria: the differences
| Compare | SatispayReviewSee alternativesSee alternatives | SumeriaReviewSee alternativesSee alternatives |
|---|---|---|
| Currency conversion fee | 0.5% | 0%Lower |
| Free ATM withdrawals | €200 | €250Higher |
| Transfer fee | Free to send and receive money to contacts and for SEPA transfers (0 EUR); instant availability top-up 1.00 EUR | 0 EUR (all transfers free on the free Carte Basique offer) |
Same on both: Monthly fee (€0), Deposit protection (EU DGS up to EUR 100,000), Local account details (IBAN).
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Key differences
- Founded is lower at Sumeria: 2011 vs 2014.
- Satispay is available in 28 more countries.
- Currency conversion fee is lower at Sumeria: 0% vs 0.5%.
- Free ATM withdrawals is higher at Sumeria: €250 vs €200.
- Support channels: only Sumeria offers Chat.
- Audience: only Satispay offers Business.
- Pricing model: only Satispay offers Low FX.
- Features: only Satispay offers Digital only.
Our verdict on each
Satispay
Satispay suits everyday spenders and travellers who want no monthly charge, cheap currency conversion and instant transfers between users. The monthly fee is €0, the conversion fee is 0.5%, and the trade off is the savings yield, which sits at 2.61% against a site median of 3%.
Sumeria
Sumeria is an easy-access French account with instant access to a French IBAN and a variable rate of 1% to 2%, which suits travellers who want euro banking without a fixed term. It is regulated and deposit protected, so the trade-off is the low rate rather than the safety of the money.
Score breakdown
| Area | Satispay | Sumeria |
|---|---|---|
| Cost | 9.2HigherMonthly fee of €0, currency conversion fee of 0.5% and free transfers to contacts sit well against the site median of 0.5%. | 9.1Monthly fee €0 and transfer fee €0, with conversion fee 0%. |
| Offer | 9.3HigherSavings pay 2.61% at a variable rate with a €0 minimum, plus €200 of free ATM use. | 9.0 |
| Trust | 8.5 | 8.8Higher |
How they place
| Ranking | Satispay | Sumeria |
|---|---|---|
| Savings accounts | 435 of 1420 | 442 of 1420 |
| Money transfer services | 322 of 1564 | 325 of 1564 |
Every fact side by side
| Fact | Satispay | Sumeria |
|---|---|---|
| Audience | Travelers, BusinessCovers more | Travelers |
| Pricing model | No monthly fee, Low FXCovers more | No monthly fee |
| Features | Free ATM, Digital onlyCovers more | Free ATM |
| Legal entity | Satispay Europe SA | Lydia Solutions |
| Headquarters | Luxembourg | France |
| Founded | 2014 | 2011Lower |
| Support channels | Email, Phone, Help centre | Email, Help centre, Phone, ChatCovers more |
Savings
| Fact | Satispay | Sumeria |
|---|---|---|
| Headline rate | 2.61%Higher | 1% to 2% |
| Rate type | Variable | Variable |
| Minimum deposit | €0 | Not confirmed |
| Access terms | Immediate availability, no lock-in, no withdrawal limits; savings moved instantly to Disponibilita | No commitment, instant access to a French IBAN; Basic offer: up to 2,000 EUR payments and withdrawals per month, 3 free ATM withdrawals per month, card free |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | Satispay | Sumeria |
|---|---|---|
| Exchange rate markup | 0.5% to 1% | 0%Lower |
| Delivery time | Real time, instant between Satispay users | Instant |
| Payout methods | Bank, Wallet, CardCovers more | Bank, Card |
| Fee to send 1,000 | €0 | €0 |
Where each stands against the rest
| Fact | Satispay | Sumeria | Median |
|---|---|---|---|
| Monthly fee | €0at the median | €0at the median | €0 |
| Currency conversion fee | 0.5%at the median | 0%below the median | 0.5% |
| Free ATM withdrawals | €200above the median | €250above the median | €1 |
Median across 377 listed accounts.
Pros and cons
Satispay
Pros
- A monthly fee of €0, and Satispay ranks 1 of 500 on cost
- Transfers between Satispay users are Real time, instant between Satispay users, and the transfer fee to contacts is €0
- Savings pay 2.61% at a variable rate from a €0 minimum, with immediate availability
Cons
- The savings yield of 2.61% trails the 3% site median
- Cash pickup is not among its payout methods (bank, wallet and card), which cover a bank, a wallet or a card
- The currency conversion margin runs 0.5% to 1%, above the 0.9% site median
Sumeria
Pros
- Instant access to a French IBAN with no commitment, so the account works around a trip
- Money sits under EU DGS up to EUR 100,000, and the account runs on a French e-money licence from ACPR with an ORIAS registration
- Transfers arrive in Instant time and payouts go to a bank account or a card (bank and card)
Cons
- The variable rate of 1% to 2% sits under the savings median of 3.08% on the site, so the money earns less than most savings accounts listed
- The Basic offer caps payments and withdrawals each month, and the free ATM allowance stands at €250
- The account is easy-access (easy access) and the rate is variable, so there is no term to lock the rate in for
Who each suits
Satispay
Who it suits
- Everyday spenders who want an account with no monthly charge and free transfers
- Travellers paying in several currencies who weigh the conversion fee before the rate
- People holding a savings balance they can draw on immediately, with no lock in
Who should look elsewhere
- Skrill or bunq if you want a different provider altogether, since their conversion fees of 3.99% and 3% mean switching does not cut your cost
- PayPal Colombia if you want a wallet for international shopping rather than an everyday euro account
Sumeria
Who it suits
- Travellers in France who want a local IBAN, with Instant payments and no commitment
- Euro spenders who want the free card on the Basic offer and payouts to a bank or card (bank and card)
- Euro savers who care more about protection of EU DGS up to EUR 100,000 than about the rate
Who should look elsewhere
- Savers chasing a higher return: Plazo ES shows a headline rate of 24.19% against 1% to 2% here
- People set on a card and credit product: AXI Card Tarjeta y Credito is built around a card at 21.59%, while Sumeria is an easy-access account (easy access)
- Wallet-first users: PayPal Colombia sits at a headline rate of 3.3% and suits wallet balances, whereas Sumeria suits euro banking on a French IBAN
Current offers
Satispay
Current offer
Bonus
Welcome Bonus 5 EUR with code WEB: 5 EUR
Sign up by downloading the app and use code WEB
Source, checked September 26, 2026
Sumeria
Current offer
Bonus
Remunerated current account: 2% for the first 3 months, then 1%: 2% gross annual rate for the first 3 months, then 1%
At least 10 eligible card payments per month with a Sumeria card, interest calculated daily and paid monthly; rate applies to total balances across Sumeria accounts capped at 100,000 EUR (100,000 EUR cap if the Black Card offer is taken); reserved for French and Belgian tax residents; rate subject to change
Source, checked September 26, 2026
Country by country
| Country | Satispay | Sumeria |
|---|---|---|
| Austria | Yes | No |
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
| Finland | Yes | No |
8 of 30 countries where either is available.
Questions about each
Satispay
What does Satispay cost to keep?+
The monthly fee is €0, and no monthly charge is the model listed. Sending and receiving money to contacts and SEPA transfers costs €0. The one extra charge to know is the instant availability top up.
What does it cost to convert currency?+
Conversion costs 0.5%, and the applied margin runs 0.5% to 1%. That sits at the 0.5% site median, while the highest conversion fees on the site reach 7%. Travellers can weigh it against the bank rate.
Sumeria
What does a Sumeria account cost to run?+
The monthly fee is €0, so holding the account is free. Transfers are free on the free Carte Basique offer, where the transfer fee is 0 EUR (all transfers free on the free Carte Basique offer). Currency conversion comes with a fee of 0% and an exchange rate markup of 0%.
Is my money protected at Sumeria?+
Deposits are covered by EU DGS up to EUR 100,000. The account is run by Lydia Solutions as an e-money institution authorised to issue payment services by ACPR, with an ORIAS registration as an agent of an investment service provider, so French regulators sit over the account.
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Sumeria