Our unfiltered list of the best Shine alternatives

Shine: what is it?

Shine is a French neobank created in 2017. Today, it has convinced over 100,000 customers .

It is currently only present on the French market, but aims to expand into Europe.

In 2018, Shine succeeded in fundraising of 11 million euros. In 2020, it has joined the Société Générale group to offer more services to entrepreneurs.

Shine's services

Shine offers a range of banking products and services. Here are just a few of them:

• Creation of a pro account with the first month free

• Real-time online monitoring of your business bank account

• Accounting support with programmed reminders, automated exports and payment receipts

• Integrated billing tool

Shine even offers the possibility of deposit capital online in a blocked account when setting up a business.

Hero also offers these services (and much more), being the "one-stop shop" for entrepreneurs' finance, with :

• Un compte pro gratuit

• A payment solution on your website at cost price (5x cheaper than most alternatives!)

• A range of financing solutions

Make an appointment with a Hero consultant today to check your eligibility:

Shine special features

Shine is authorized by the ACPR (linked to the Banque de France). This enables it to offer business account management tools to its customers, with :

• a bank account with a French IBAN

• a bank card

• cheque cashing

• cash withdrawals from ATMs

Shine also benefits from agreements with Société Générale. These enable it to guarantee deposits of up to 100,000 euros on its accounts.

Shine rates

Shine has 3 offers for entrepreneurs:

• BASIC

• PLUS

• PRO

The Basic offer is billed at 7,90 € HT per month. It includes :

• a Mastercard Basic with no management fees

• French bank details

• 30 SEPA transfers and direct debits per month

It also includes real-time load calculation.

The Plus offer amounts to 14.90 excl. VAT per month . It provides access to :

• une Mastercard Business World

• 60 SEPA transfers and direct debits

• 2 free cheque collections per month

The Pro offer is available for 26.90 excl. VAT per month . It includes :

• 2 Mastercard Business World

• 100 SEPA transfers and direct debits

• 4 free cheque collections per month

Shine's limits

With the neobank Shine It is not possible to be overdrawn. Nor are there any professional credit offers.

For a modern, flexible and digital financing solution, you need to turn to a player like Hero.

SWIFT transfers are not available at Shine! This can be an obstacle for digital entrepreneurs on the move or with international customers. You can only receive international transfers, thanks to their partnership with Wize.

And that's not all! Strict conditions also apply to cheque cashing and cash deposits. For example, these operations are billed at 1 euro plus VAT with the Basic offer. Only 2 check withdrawals per month are free with the Plus package, compared with 4 withdrawals with the Pro package. Extra withdrawals are billed at 1 euro plus VAT.

Finally, the Shine customer service is only available by e-mail for Basic customers. PRO and PLUS customers have access via the customer area.

Who are Shine's competitors?

Shine's competitors include :

• Hero

• Hello Bank Pro

• Qonto

• Anytime

• Revolut Business

• Blank

• N26 Business

• Monabank Pro

Hero is the first fintech to offer all the financial solutions entrepreneurs need with :

• a free pro account, with physical and digital bank cards, and a deferred payment option

• an online payment solution at ultra-attractive rates

• flexible, no-obligation financing solutions (BNPL in B2B, accelerated payment on marketplaces such as Amazon, receivables and payables financing, etc.).

In summary, here are the customer reviews of Shine alternatives:

Shine vs Hero

Hero is very competitive, with a free pro bank account (with credit cards), and an online payment solution at cost price!

It's one of the few fintech players to offer so many financing solutions, from BNPL to deferred payment of your suppliers.

Hero features include no hidden charges i.e. :

• no integration fees

• without obligation

• no subscription

  Request a customized quote

Shine vs Qonto

Qonto propose :

• a basic offer at €9 excl.

• a standard offer at €19 excluding VAT

• a Business offer at €29 excluding VAT

• a corporate offer for large SMEs at €249 excluding VAT

It charges no account opening fees and offers 1 month free to test.

Qonto offers 30 to 500 SEPA transfers per month, depending on the offer. A MasterCard is available to customers. However, it does not yet allow cash deposits. Its Eftpos terminal fee is 1.65%.

Qonto est ideal for international activities since it allows transfers outside the SEPA zone, unlike Shine.

Shine vs Hello Bank Pro

Hello Bank Pro is the neobank from BNP Paribas. Its Hello Business offer, dedicated to self-employed entrepreneurs, is available at €10.90 plus VAT, with :

• French bank details

• SEPA credit transfers

• cheque and cash deposits

• free cash withdrawal

• monthly account statements

Self-employed entrepreneurs appreciate Hello Bank for its numerous banking services :

• provision of a checkbook

• open online or in one of the 900 BNP Paribas branches

• cash collection

• instant transfers

Shine vs Anytime

Anytime is a Belgian fintech founded in 2012. Its diversified services attract over 70,000 customers. Its offerings include:

• a certificate of deposit

• integrated accounting

• expense management

• a bank account aggregator

• payroll management

Anytime offers are available from €9.50 excluding VAT for the Solo account and up to €249 excluding VAT for the Enterprise account.

Shine vs Revolut Business

Revolut Business is a British digital bank launched in 2015. It offers an unconditional free bank account that is accessible to European and Swiss businesses. Its offer includes:

• a multi-currency bank card fully controllable via a dedicated application

• direct access to cryptocurrencies for premium customers

Professionals will be able to :

• schedule payments

• make up to 1,000 payments in a single click

• integrate the Revolut Business account into their accounting workflow

• track employee spending via a dashboard

Shine vs N26 Business

N26 Business is a neobank that lets you open a bank account quickly. All the classic operations are available:

• transfers

• samples

• achats

• carte bancaire MasterCard

N26 Business also offers financial management tools for auto-entrepreneurs, as well as 5 premium bankcard colors from €4.90 excl. tax per month.

N26 Business compte over 2.5 million French customers . In 2017, it offers simplified financial management and insurance at no additional cost to entrepreneurs. N26 allows cash withdrawals, unlike some neobanks.

Shine vs Blank

Blank is Crédit Agricole's online bank.

Blank benefits from Crédit Agricole's banking expertise and network of partners. In addition to its non-binding offers In addition to a modern interface and an efficient cash management dashboard, our customers benefit from a comprehensive range of services.

Blank's offers range from €6 to €39 ex VAT per month. Each includes a Visa Business card and free SEPA transfers.

The Blank mobile app also includes accounting features, billing tools and additional insurance.

Open a pro account online is a way to save on banking fees while benefiting from additional services. What's more, all you need is a smartphone or computer to :

• Open and view a bank account

• Perform operations

However, the main problem with neobanks is their lack of professional products .

For example, Shine does not allow international transfers! This is unthinkable for a company planning to expand.

Above all, most don't offer any financing solutions.

What's the point of having your business account online if you still have to go to your local bank to ask for a cash loan?

This is Hero's ambition: to be your sole financial partner, meeting all your needs at the lowest possible cost. We do this through :

• A free bank account and business card

• A payment solution to integrate into your website, at an unbeatable price

• Financing solutions for every need

For all these reasons, we consider Hero to be one of the finest alternatives to Shine !

Make an appointment with a Hero consultant today and let's unlock the potential of your finances:

Frequently asked questions

Which financial management tools should I use with Shine or another online bank?

To manage your finances, solutions such as Hero, LeanPay, Cegid, Agicap and Quickbook can provide effective support.

How do I open a Shine account?

To open a Shine account, go to the Shine website and follow the instructions.

Will the Shine account have a Société Générale RIB?

No, the Shine account remains the same, with its application, functions and bank details.