Shine review
Updated October 13, 2026 · HodlCue Editorial Team
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Our verdict
For entrepreneurs who want banking and invoicing in one online place, Shine reports 150000 entrepreneurs and focuses only on business use with no branch network. Shine is an online business account that combines cards, transfers, sub accounts, compliant invoicing and cash tracking for daily control.
Key facts
- Best for
- Entrepreneurs managing business finances and invoices online
- Card type
- Debit↗
- Card network
- Mastercard↗
- Legal entity
- SHINE FRANCE↗
- Headquarters
- France↗
- Founded
- 2017↗
- Audience
- Business
- Official website
- shine.fr
Facts checked September 26, 2026, 3 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Business cards with sub accounts for separating daily spending
- Integrated invoicing with quotes and electronic invoices in one place
- Detailed dashboard with receipt capture and VAT handling for control
- Segregated funds that are neither invested nor lent by design
Cons
- Online business account without a branch network for in person banking
- Focus on companies and self employed rather than personal banking
Who it suits
- Entrepreneurs who want billing and banking in one place
- Small firms that want sub accounts and cash tracking
- Founders who want an online French IBAN
Who should look elsewhere
- Individuals who want a personal account
- Businesses that want branch banking
How Shine compares
Where Shine is available
- Available
- France
- Licence in France
- ACPR (71758), 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
What is Shine?+
Shine is an online business account for entrepreneurs that combines daily finances with invoicing and pre accounting. It provides a French IBAN, business debit cards and management tools for control. It serves activities such as e commerce, agencies, startups and small companies.
Which products does Shine cover?+
Shine covers business accounts with business debit cards, transfers and sub accounts for organising funds. It includes a dashboard for cash tracking with receipt and VAT handling. Invoicing, quotes and electronic invoicing sit alongside pre accounting in the same space.
Who is Shine for?+
Shine serves founders and small companies that want banking, billing and tracking in one online place. It addresses e commerce sellers, agencies, startups and small and medium sized firms. It also serves people who run several accounts for one company.
How does invoicing work with Shine?+
Shine provides compliant invoicing with quotes and electronic invoices in the same online space. The approved platform function is integrated, so electronic invoices can be sent and received without a separate tool. Billing and pre accounting stay together for daily control.
Which company stands behind Shine?+
Shine presents itself as an engaged company that supports entrepreneurs and collective effort in business. Deposited money is held in a segregated account and is neither invested nor lent. Protection of funds continues if Shine fails, so money stays separate from its own activity.
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“EntityCode=FR_ACPR!71758; EntityType=PSD_PI; ENT_NAM=SHINE FRANCE”
- shine.fr checked September 26, 2026
Backs: Audience, Card type, Card network
“professional account”
- codeur.com/blog/shine-compte-pro-en-ligne checked September 26, 2026
Backs: Founded
“Shine is an establishment of payment created in 2017”
Compiled from 4 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.