Sumeria review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Sumeria suits people who want a French IBAN without a monthly charge and who often spend in other currencies. The monthly fee is €0 and the currency conversion fee is 0%, with €250 of free ATM withdrawals each month, and the offer carries no commitment.
Key facts
- Best for
- A euro account with no monthly fee and no currency conversion charge.
- Monthly fee
- €0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Currency conversion fee
- 0%↗
- Local account details
- IBAN↗
- Free ATM withdrawals
- €250↗
- Transfer fee
- 0 EUR (all transfers free on the free Carte Basique offer)↗
- Legal entity
- Lydia Solutions↗
- Headquarters
- France↗
- Founded
- 2024↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Audience
- Travelers
- Pricing model
- No monthly fee, Low FX fees
- Features
- Free ATM withdrawals
- Official website
- sumeria.eu
Savings
Money transfer
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Elsewhere
- Trustpilot
Pros and cons
Pros
- No monthly charge, at €0, against a site median of €0
- Currency conversion fee of 0% and exchange rate markup of 0%
- Free ATM allowance of €250 on the access terms
- Support reaches email, chat and phone
Cons
- The Basic offer caps payments and withdrawals each month, so heavy users outgrow it
- Interest sits at 1% to 2% and is variable, below a site median of 3%
- Transfers are delivered Instant, which suits same-currency payments more than urgent cross-border ones
Ready to try Sumeria?
Scored 8.9 / 10 by VaultCue.
Who it suits
- Travellers who want euro payments and withdrawals from a French IBAN
- Anyone paid in euro who pays in other currencies
- People who want a simple account and a support line to call
Who should look elsewhere
- Anyone building a savings balance, since interest is 1% to 2% and variable
- Heavy cash users, since the access terms limit payments and withdrawals each month on the Basic offer
Safety of your money
Sumeria runs on Lydia Solutions and is supervised in France by the ACPR (Autorité de Contrôle Prudentiel et de Résolution), registered as CIB 17598; REGAFI 62677. It also appears on the OIAS register as 18 007 465. Deposits sit under the EU deposit guarantee scheme, with cover stated at EU DGS up to EUR 100,000.
How Sumeria compares
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8.9 vs 8.7
8.9 vs 9.0Skrill's currency conversion fee of 3.99% makes it a costlier way to hold and spend in other currencies.
8.9 vs 8.7
8.9 vs 9.5
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8.9 vs 9.3
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Where Sumeria is available
- Available
- France
- Licence in France
- ACPR (Autorité de Contrôle Prudentiel et de Résolution) (CIB 17598; REGAFI 62677), checked September 26, 2026
- Licence in France
- ORIAS (18 007 465), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Sumeria cost to keep open?+
The monthly fee is €0, and the site median for everyday accounts is €0, so this account sits at the cheaper end. Transfers are free on the free card offer, and payments and withdrawals are capped each month on the Basic offer.
What does it cost to change currency?+
The currency conversion fee is 0% and the exchange rate markup is 0%. Both are at the free end of the range, whose site median is 0.5%. Spending in another currency therefore costs little beyond the rate you are given.
How is the money protected?+
Deposits are covered by the EU deposit guarantee scheme, which states cover of EU DGS up to EUR 100,000. The account is supervised by the ACPR (Autorité de Contrôle Prudentiel et de Résolution) with registration CIB 17598; REGAFI 62677, and listed on the OIAS register as 18 007 465.
Is there any interest on the balance?+
Interest is 1% to 2% and the rate type is variable, so the figure can move. That sits under the site median of 3%, which means this account is built for handling money rather than growing it.
What kind of account details do I get?+
You get local details for iban, so a French IBAN arrives with the account and money moves straight into it. The account kind is easy access, which suits day to day spending.
How fast are payments?+
Delivery time is Instant for the payments listed on the site, and payouts can go to bank and card. In practice the euro side is quick, since the account is a French IBAN.
How do I get help if something goes wrong?+
Support runs on email, chat and phone, so there is a phone line as well as email, chat and a help centre. Phone and help centre are the more common routes on the site, at 79.5% and 86.1%.
Who is this account built for?+
The stated audience is travelers, and the account sits in France with headquarters in France. It suits people who want euro payments and withdrawals from a French IBAN without a monthly charge.
Sources
- play.google.com/store/apps/details checked September 26, 2026
Backs: Audience
“NO FOREIGN TRANSACTION FEES - Pay anywhere in the world with no FX fees. Perfect for travel, online payments, and shared expenses.”
- sumeria.eu checked September 26, 2026
Backs: Founded, Exchange rate markup, Local account details
“Pay anywhere in the world with a Sumeria bank card, whatever the currency, with no surcharge. Withdrawals and payments included.”
- sumeria.eu/comptes/compte-courant checked September 26, 2026
Backs: Account kind, Headline rate, Rate type
“2%. Puis 1% (taux susceptible d'evoluer)”
- sumeria.eu/fondamentaux/mentions-legales checked September 26, 2026
Backs: Deposit protection, Headquarters, Legal entity, Licences
- sumeria.eu/fondamentaux/tarifs-limites checked September 26, 2026
Backs: Free ATM withdrawals, Features, Monthly fee
“Carte Basique - Cotisation mensuelle: Gratuite (3 EUR/month only if the client has no paid offer and no eligible operation in the last two calendar months)”
- sumeria.eu/offres checked September 26, 2026
Backs: Access terms, Currency conversion fee, Pricing model, Fee to send 1,000
“Basic: up to 2 000 EUR payments+withdrawals / month, 3 free ATM withdrawals / month, no commitment”
- sumeria.eu/paiements checked September 26, 2026
Backs: Delivery time, Payout methods, Transfer fee
“Instant transfers: with Sumeria, all transfers are free and instant by default, whether to existing payees or new recipients.”
- support.sumeria.eu/l/fr/article/rl5ashxr21-service-client checked September 26, 2026
Backs: Support channels
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Currencies.