Shine review

Shine combines a French business account with invoicing and finance-management tools for small businesses. Its homepage lists a free plan at €0 per month and says an approved e-invoicing platform is built in. Accounts come with a French IBAN and Mastercard cards; the invoicing tools cover quotes, invoices and pre-accounting.

Shine also says businesses can send and receive electronic invoices through its integrated platform, collect payments, and make instant and international transfers. For day-to-day admin, it offers a cash-flow dashboard, URSSAF estimator, and receipt and VAT tools. Its homepage says financing applicants get an instant response and funds within 48 hours; that is a stated service claim, not a guarantee for every applicant.

Paid plans are listed at €9, €20 and €45 per month, or as annual prepayments of €108, €240 and €540 HT. The Free plan keeps basic account and invoicing access, but caps SEPA transfers.

Shine puts the account and routine billing work in one product, rather than charging separately for a bank account and a standalone invoicing tool. The Free plan includes one account with a French IBAN, one virtual card, and unlimited invoices and quotes. That makes it possible to start without a monthly subscription, provided the transfer allowance is enough.

The paid tiers increase the account and transfer limits in clear steps:

• Start costs €9 per month and includes two accounts with IBANs and 30 SEPA transfers a month.
• Plus costs €20 per month and includes six accounts, three Premium physical cards and 150 SEPA transfers a month.
• Business costs €45 per month and includes 10 accounts, five Premium physical cards, 300 SEPA transfers a month and unlimited team access.

The built-in e-invoicing platform, quotes and pre-accounting tools are useful if the goal is to keep billing and financial admin together. Shine also lists cash-flow, URSSAF, receipt and VAT tools, plus payment collection and instant and international transfers. Those features make it broader than an account-only offer, though the plan limits still matter.

The free plan is not a no-cost option for frequent transfers: it includes three SEPA transfers a month, then charges €0.50 HT for each extra transfer. Paid plans allow more, but Start stops at 30, Plus at 150 and Business at 300; additional SEPA transfers cost €0.20 HT each. Check your typical monthly volume before choosing a tier.

There are other transaction and access costs to factor in. Start charges €2 HT per cash withdrawal and €5 HT per cheque deposit. Plus includes two of each, then charges €1 HT per withdrawal and €2 HT per cheque deposit; Business includes six of each before those fees apply. Extra virtual cards cost €2 HT a month per card, additional team access costs €5 HT a month, and physical cards are listed at €7 HT where charged. The Free card is described as optional.

The paid prices are presented as monthly rates or annual prepayments, so compare the commitment as well as the monthly equivalent. Shine’s financing response and payout timing are homepage claims; the published information does not specify eligibility conditions.

Shine has a free plan, then paid plans at €9, €20 and €45 per month, according to the published pricing details. The paid plans are also shown as annual prepayments of €108, €240 and €540 HT respectively; check whether you want to commit for a year before comparing monthly costs. The jump from Start to Plus is €11 a month, and from Plus to Business is €25. Those higher tiers add accounts, cards, transfer allowances and, on Business, unlimited team access.

Free includes one account, one virtual card and three SEPA transfers a month; extra transfers cost €0.50 HT each. Paid plans charge €0.20 HT per transfer above their allowance. Add-ons can raise the bill: extra virtual cards cost €2 HT monthly, and additional team access costs €5 HT monthly. Physical cards may cost €7 HT where charged. Cash withdrawals and cheque deposits also have fees or tier-specific allowances. Check the full fee schedule, not just the headline plan price.

The published materials describe Shine’s account and invoicing features, but don’t document an account-opening migration service, data-import process or export formats. Before switching, ask Shine what you can export—especially invoices, quotes and transaction records—and whether exports include the fields your accountant needs. We can’t confirm from these sources how long setup or a move away takes, or whether Shine supports migration from another provider.

Switching a business account also calls for a practical checklist: identify payments and invoices tied to your existing account, then confirm how you’ll update them before closing anything. That’s planning advice, not a documented Shine migration feature. The published material includes no Reddit posts or comments, so we can’t substantiate what tends to make users leave or cite user-reported lock-in problems. If support responsiveness matters to your decision, look for current, attributable feedback before moving; the published materials don’t establish it.