Shine.fr
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.
- Company typePrivate
- Founded2017
- HeadquartersParis, France
- Headcount251–500
- GTM typeB2B
- OfferingServices
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.
Shine.fr firmographics
Firmographics- 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
Shine.fr industry classification
Industry- 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
Where Shine.fr is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Shine.fr business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- 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.
- 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.
- Professional Services Add-ons: Optional services including professional loans, extra insurance products, and specialized business creation services offered through partnerships.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free tier: 0€/month — basic pro account and electronic invoicing |
| Subscription | Annual | Paid subscription tiers with advanced features |
| Transaction based/ take rate | Pay-as-you-go | Electronic invoice payment processing fee |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels7 records
Shine.fr product offering
Product offeringCore 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
Companies that use Shine.fr
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
Shine.fr technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
Feature5 records
Shine.fr partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- SerensiacoreSerensia 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)coreBrink'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-FourthlinecoreIdentity 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.
- StripecoreStripe processes credit card payments for Shine, handling payment card data storage and transaction processing. Listed as a sub-processor in data processing agreements.
- LegalstartminorBusiness 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)minorOfficial 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
Shine.fr competitors and assessment
Company assessmentDirect 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
Shine.fr social profiles
Digital presenceShine.fr compliance and trust
Trust signalCompliance4 records
Shine.fr financial estimates
Financial estimateRevenue estimate
Valuation estimate
Shine.fr leadership team
Management profileNumber of profiles
Profiles3 records
Shine.fr funding detail
Funding detailFunding overview
Funding rounds2 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Shine.fr M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Shine.fr
What does Shine.fr do?
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.
Is Shine.fr a public or private company?
Shine.fr is a private company. It is classified as corporate owned and is currently acquired.
When was Shine.fr founded?
Shine.fr was founded in 2017. It employs 251 to 500 people.
Where is Shine.fr based?
Shine.fr is headquartered in Paris, France, in the Europe region.
How does Shine.fr make money?
Three revenue lines are on record. Professional Account Subscription is the primary driver. The others are electronic Invoice Payment Processing and professional Services Add-ons.
Who are Shine.fr's main competitors?
Direct peers on record are Qonto, Revolut Business, Pleo, N26 Business and Finom. Tide is listed as a regional player. Emerging players are Indy (Indy.fr) and Pennylane. Wise Business is listed as an others. BNP Paribas (Pro Account / PixPay-style SMB offering) is listed as a broad incumbent.
Does Shine.fr have an API?
No public API is recorded for Shine.fr.
What industry is Shine.fr in?
Shine.fr's product category is Digital Business Banking. Its primary akta.pro industry code is FSAGAAAD, Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value), with a secondary code of FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 52211 and its SIC code is 6021.