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Shine review

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

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Our verdict

Shine suits freelancers and small businesses in France that want an easy-access account with no monthly fee and no overdraft. Currency conversion runs across 24 currencies, and a French payment institution licence and ORIAS listing sit behind the account.

Key facts

Best for
An easy-access euro account with no monthly fee for freelancers and small businesses that work across currencies.
Rate type
Variable↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
No commitment, cancel and close the account at any time; balance must stay positive, no overdraft↗
Monthly fee
€0↗
Account kind
Easy access↗
Legal entity
SHINE FRANCE↗
Headquarters
France↗
Founded
2017↗
Support channels
Phone, Help-centre↗
Pricing model
No monthly fee
Official website
shine.fr

Everyday accounts

Licence type
Payment institution↗
Currency conversion fee
2%↗
Currencies
24↗
Local account details
IBAN↗
Free ATM withdrawals
€0↗
Transfer fee
Free offer: 5 SEPA transfers/direct debits included per month, then 0.40 EUR HT each; SEPA instant transfers free↗
Audience
Business, Freelancers
Features
Digital-only

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataTrustpilotLinkedInXinstagram.comfacebook.com

Pros and cons

Pros

  • Deposit protection of EU DGS up to EUR 100,000 under the EU deposit guarantee scheme.
  • Access terms carry no commitment, so the account can be cancelled and closed at any time.
  • Local account details of the iban kind plus 24 currencies, so clients can pay without an intermediary.
  • Support runs on phone and help centre, which covers a phone call as well as a help centre.

Cons

  • The rate is variable, so interest on the balance can move over time.
  • A digital-only service (digital only), so there is no counter to visit when something needs sorting in person.
  • Support runs on phone and help centre only, with no email or live chat listed.
Shine

Ready to try Shine?

Scored 8.6 / 10 by VaultCue.

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Who it suits

  • Freelancers and small businesses in France that bank mainly through the app and need a local account number for invoices.
  • Anyone paid in another of the 24 currencies who would rather hold the balance than convert it.
  • Businesses whose income comes in euros while their costs do not, and who keep cash in a easy access account that can be closed at any time.

Who should look elsewhere

  • Plazo ES or AXI Card Tarjeta y Credito, if a rate that holds matters more than easy access: theirs are fixed and fixed where Shine's is variable.
  • XTB, if UK cover under FSCS up to GBP 85,000 is the deciding factor rather than EU DGS up to EUR 100,000.

Safety of your money

Deposits are covered by the EU deposit guarantee scheme at EU DGS up to EUR 100,000. Shine is a payment institution rather than a bank, supervised in France by ACPR (Banque de France), registration 71758, and listed with ORIAS, registration 19003103. The register reference is PSD_PI FR_ACPR!71758. The balance must stay positive, so there is no overdraft to fall back on.

Who runs it

Shine France is the legal entity, headquartered in France, and has been running since 2017. Support runs on phone and help centre, so help comes by phone or through the help centre rather than a branch visit. The payment institution licence is registered with ACPR (Banque de France) as 71758 and with ORIAS as 19003103.

How Shine compares

Where Shine is available

Available
France
Licence in France
ACPR (Banque de France) (71758), checked September 26, 2026
Licence in France
ORIAS (19003103), checked September 26, 2026
Licence in France
FR_ACPR (PSD_PI FR_ACPR!71758), checked September 26, 2026, also valid in Denmark, Spain, France, Portugal

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

Frequently asked questions

Is there a monthly fee for a Shine account?+

The monthly fee on this easy access account is €0, and the pricing model is no monthly fee. SEPA instant transfers are free. Costs show up instead on currency conversion and on standard SEPA transfers beyond the free monthly allowance.

What do SEPA transfers cost?+

The free offer includes a set number of SEPA transfers and direct debits each month, and SEPA instant transfers are free. Beyond that allowance each standard transfer carries a fee before tax. With the monthly fee at €0, transfers are where a busy account's cost concentrates.

What does it cost to change currency?+

Currency conversion costs 2%. The account holds 24 currencies and gives you local account details, so you can be paid in euros and hold other currencies without converting first. A business that settles in a single currency pays less overall.

Is the interest rate fixed or variable?+

The rate is variable, so the interest earned on a balance can move. That pairs with easy access access and no commitment, which suits cash you may need on short notice rather than a sum you expect to leave untouched.

Are my deposits protected?+

Deposit protection is EU DGS up to EUR 100,000 under the EU deposit guarantee scheme, and Shine is supervised by ACPR (Banque de France) with registration 71758, plus an ORIAS listing, 19003103.

Can I close the account whenever I want?+

Yes. The access terms carry no commitment, so the account can be cancelled and closed at any time. The balance must stay positive and there is no overdraft, so pending payments should be settled before closing. That suits a business whose income stops at some point.

How do I get paid by clients from abroad?+

You get local account details of the iban kind, so clients and platforms can pay you without an intermediary taking a cut, across 24 currencies. The catch is that each conversion costs 2%, so holding the balance longer is cheaper.

What support can I get?+

Support runs on phone and help centre, meaning a phone line and a help centre. There is no branch to walk into and the service is digital only, so most of it happens in the app or over the phone, which suits a business living between client calls.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Headline rate, Term, Minimum deposit.

Shine

Shine

An easy-access euro account with no monthly fee for freelancers and small businesses that work across currencies.

8.6/10See alternatives