Shine.fr

What Shine.fr does

Shine.fr is a Paris-based digital banking and financial management platform for French small businesses, independent professionals, and micro-entrepreneurs, operating as an ACPR-licensed payment institution (number 71758). Founded in 2017, the company offers a professional checking account (compte pro) with a French IBAN and Mastercard debit cards, complemented by government-certified electronic invoicing (Plateforme Agréée via Serensia), team expense management, pre-accounting tools, professional loans, insurance add-ons (under ORIAS registration 19003103), and business creation services. The platform is delivered through a cloud-native, mobile-first architecture with iOS and Android apps, a web application, and an API-first integration layer, hosted on Google Cloud in the EU, and serves 150,000+ business customers across France, Denmark, Netherlands, and Germany.

Shine monetizes primarily through a freemium subscription model (free base tier at €0/month plus undisclosed paid tiers), supplemented by transaction fees on integrated e-invoice payment processing (up to 0.50% + €0.40 per transaction) and optional professional services add-ons. Customer funds are held in segregated accounts at Société Générale, providing protection in the event of Shine's insolvency. The company has secured B Corp certification, won the Élu Service Client de l'Année 2026 award in online banking for businesses, and maintains 4.8/5 ratings on App Store and Trustpilot.

In November 2025, Shine was acquired by Cegid, a European leader in management and accounting software, to form a unified financial platform for SMBs and accountants across Europe and accelerate Cegid's positioning as a European Financial Copilot. Shine continues to operate under the 'Shine by Cegid' brand with the same team and application.

Name

Shine.fr

Legal name

Shine France SAS

Website

https://shine.fr

Company type

Private

Founded year

2017

Operating status

Acquired

Headcount range

251–500 employees

Short description

Shine.fr is a Paris-based digital banking platform offering professional accounts with French IBAN, Mastercard cards, government-certified electronic invoicing, and financial management tools for 150,000+ French SMBs and independent professionals, now operating under the Shine by Cegid brand following Cegid's November 2025 acquisition.

Ownership category

akta.pro rank

Product category

Digital Business Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), SME Cash Management & Payments (Merchant, ACH/Wires, Payroll) (FSABABAD), Biller Direct EBPP Platforms (FSAMAJAA)

Keywords

• Digital business banking
• Professional bank account
• Electronic invoicing platform
• SMB payment services
• Expense management tools

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Professional Account Subscription: Monthly or annual subscription tiers for business checking account with banking features (IBAN, Mastercard, transfers, bookkeeping tools). Free tier (0€/month) covers basic account and invoicing; premium tiers unlock advanced features.
2. Electronic Invoice Payment Processing: 0.50% of invoice amount + €0.40 per transaction (or €0.99 for certain regions) for processing bank payments through integrated payment service. Maximum cap on fees.
3. Professional Services Add-ons: Optional services including professional loans, extra insurance products, and specialized business creation services offered through partnerships.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Shine.fr provides a fully digital professional bank account (Compte Pro) for French SMBs, independent professionals, and micro-entrepreneurs, bundled with a government-certified electronic invoicing platform (Plateforme Agréée). The account includes a French IBAN, Mastercard cards, instant and SEPA transfers, sub-accounts, cash deposits via Brink's, team expense cards, pre-accounting tools, and optional add-ons such as professional loans, insurance, and business formation services.

Product overview

Shine.fr is a digital banking and financial management platform for French SMBs and accountants, combining a professional account with integrated electronic invoicing. The core offering centers on the Compte Pro (professional bank account with French IBAN and Mastercard cards) bundled with Facturation Électronique (e-invoicing via Serensia's Plateforme Agréée). Additional modules include Shine Facture (standalone invoicing), Dépenses d'Équipe (team expense management), Comptabilité (pre-accounting tools), professional loans, insurance products, and business formation services. The platform operates as an ACPR-authorized payment institution and was acquired by Cegid in November 2025 to form a unified European financial platform.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Account opening and IBAN delivery within 24 hours
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration15 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core and minor.

• SerensiacoreTechnology or IntegrationSerensia is the certified Partner Dematerialization Platform (PDP/Plateforme Agréée) providing the regulatory framework for Shine's electronic invoicing service. Serensia holds the official government certification (PA number 051) and bears ultimate regulatory responsibility for the e-invoicing platform, while Shine operates as the technical and functional operator.
• Brink's (Brink's Payment Services)coreTechnology or IntegrationBrink's operates the 'Point Cash' cash deposit network that enables Shine customers to deposit cash onto their Shine accounts at physical retail locations. Brink's is an ACPR-licensed payment institution (number 56625) and provides cash handling and deposit services as Shine's outsourced partner.
• Safened-FourthlinecoreTechnology or IntegrationIdentity verification partner providing remote KYC liveness detection (photo and video verification via encrypted transmission) to comply with ACPR regulatory requirements for remote identity verification of payment institution customers.
• StripecoreTechnology or IntegrationStripe processes credit card payments for Shine, handling payment card data storage and transaction processing. Listed as a sub-processor in data processing agreements.
• LegalstartminorChannel Partner/ Reseller/ DistributorBusiness creation partnership where Legalstart offers bundled company registration services including Shine's professional account. Legalstart acts as an independent data controller for its own services and introduces clients to Shine.
• Decathlon CMA CGM (Cycling Team)minorGTM or Marketing PartnerOfficial partner of the Decathlon CMA CGM professional cycling team under 'Shine by Cegid — We are The Team Behind The Team' branding. Brand association and marketing visibility through elite cycling sport, positioning Shine alongside performance-driven entrepreneurship.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Qonto: Qonto is a French-headquartered neobank serving European SMBs, freelancers, and accountants with business accounts, expense cards, invoicing, and accounting integrations. It is Shine's closest direct competitor in the French SME professional account market.
• Revolut Business: Revolut Business offers multi-currency business accounts, cards, and expense tools to freelancers and SMBs across Europe. It directly overlaps Shine in France and the broader European SMB market.
• Pleo: Pleo is a European SMB-focused fintech offering company cards and expense management, with a comparable target market of SMBs and finance teams across multiple European countries. Both compete on team spending controls and SMB banking.
• N26 Business: N26 Business provides digital business banking accounts to freelancers and SMBs across the Eurozone. It is a direct competitor in the French and German SMB digital banking segment.
• Finom: Finom is a European digital banking and financial management platform for freelancers, entrepreneurs, and SMBs, offering business accounts, invoicing, and expense tools. Comparable feature set and SMB focus make it a direct peer.

Regional players

• Tide: Tide is a UK-focused digital business banking platform for SMBs and freelancers, offering accounts, expense tools, and accounting integrations. Comparable business model and target customer, but operates primarily in the UK rather than France.

Emerging players

• Indy (Indy.fr): Indy is a French micro-business and freelancer platform offering accounting, tax filing, and integrated business banking. It competes directly with Shine for French indépendants and micro-entrepreneurs.
• Pennylane: Pennylane is a French fintech offering accounting and financial management software for accountants and SMBs, with growing payments and banking-adjacent features. It targets the same French SMB and accountant audience now being addressed through Cegid integration.

Others

• Wise Business: Wise Business is both a Shine partner (for international wires) and an adjacent competitor offering multi-currency business accounts to SMBs with strong cross-border payment capabilities. Useful as a comparator for international transfer infrastructure.

Broad incumbents

• BNP Paribas (Pro Account / PixPay-style SMB offering): BNP Paribas is one of France's largest banks and serves French SMBs and professionals with traditional business banking, including cash management and invoicing. It competes as an incumbent with broader product portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/shine_tools
• Facebookfacebook.com/shinetools

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds2 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Shine.fr