What Manager.one does

Manager.one is a France-only digital banking platform for professionals, entrepreneurs, micro-businesses, and associations, operated by SaGa Corp (incorporated 2016) under the ACPR banking license of Banque Wormser Frères (Banque d'Escompte, founded 1936). The platform delivers a fully online professional current account with a flat €29.99 monthly subscription, paired with a multi-form-factor Visa Corporate card program (physical, virtual, lodge, fuel, NFC smart), OCR-driven expense-report automation, SEPA and non-SEPA bank transfers with beneficiary scanning, automated payroll processing, card payment acceptance (TPE/VAD/VADS), check services, savings, and digital capital increase workflows. Underlying technology is cloud-native on Microsoft Azure (data hosted in Ireland), with a public API at docs.manager.one enabling third-party integrations, and proprietary OCR pipelines for RIB, payslip, and receipt recognition.

The business model combines a flat recurring subscription (no movement commissions, no hidden fees) with transaction-based revenue from card payment processing (commission from 0.99%), unit-priced services such as banker checks (€20) and card reader hardware (€499), and treasury float on deposited balances. Go-to-market is digital-first and self-serve via signup.manager.one, supplemented by phone-led inside sales for enterprise demos, content marketing through the Le Journal du Manager blog, and earned media in French business outlets. The customer base is a long tail of French SMBs and professionals, with named enterprise references including Château'Form (events) and MACSF (healthcare professional insurance). To date the company has raised approximately €5.4M across a 2017 round (Financiere Saint James) and a €3M 2019 seed led by Laurent Dassault, and operates with a 51-100 employee headcount from Paris.

Name

Manager.one

Legal name

SaGa Corp

Website

https://manager.one

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

51–100 employees

Short description

Manager.one is a French digital banking platform for professionals, entrepreneurs, and associations, offering a flat-rate online business account, Visa Corporate cards, and OCR-driven expense and payroll automation under the Banque Wormser Frères banking license.

Ownership category

akta.pro rank

Product category

Online Business Banking

NAICS

Commercial Banking (52211), Credit Card Issuing (522210), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Corporate Cards & Expense Solutions (T&E, purchasing, fleet) (FSABAIAG), Virtual Card Issuance & Tokenized Corporate Cards (THACAJAA), Central/Lodge Cards & Ghost Cards (Air/Hotel/Rail) (THACAJAB), Payment Reconciliation, ERP/AP Integration & Data Enrichment (Level 2/3, eReceipts) (THACAJAE)

Keywords

• Online business banking
• Professional banking services
• Corporate payment cards
• Expense management software
• Digital banking platform

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Monthly Subscription: Flat-rate monthly subscription model at €29.99 per month providing access to the full banking platform, unlimited virtual cards, and 100 outgoing SEPA transfers per month. No commission on movements.
2. Card Payment Processing: Commission-based revenue from card payment transactions through local contracts and VAD/VADS. Rate starting from 0.99% per transaction with a minimum of €0.09
3. Banking Services Fees: Additional fees for specific services such as banker check issuance at €20 per check, card reader purchase at €499, and excess transfer fees for non-SEPA or additional SEPA transfers

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Manager.one is a fully online professional banking account for French entrepreneurs and small businesses, offering a digital current account, unlimited customizable Visa Corporate cards (physical, virtual, lodge, fuel, and NFC smart cards), OCR-based expense management, automated payroll processing via payslip recognition, SEPA and non-SEPA transfers, card payment acceptance (TPE and VAD/VADS), savings, and a B2B card issuance program, delivered on a flat €29.99/month subscription with no movement commissions.

Product overview

Manager.one is a digital business banking platform offered by Banque Wormser Frères (Banque d'Escompte) in partnership with SaGa Corp. The platform provides a unified professional online account with multiple integrated banking services including Visa Corporate cards (physical, virtual, lodge, fuel, and smart cards), expense report management via OCR receipt scanning, bank transfers (SEPA/SEPA instant/non-SEPA) with OCR beneficiary scanning and automated payroll, check services, card payment acceptance (local terminal and online VAD/VADS), shared account access with customizable sub-accounts, and capital increase services. The platform operates on a subscription model (€29.99/month) with services accessible via web client area and iOS/Android mobile applications. The core value proposition eliminates traditional expense reports through card-based spending controls and real-time documentation.

Differentiator

Problem solved

Functional benefit

Products and services

• Professional Online Account (Compte professionnel en ligne) A fully digital business current account for French professionals and entrepreneurs, providing account services, payment instruments, and banking features accessible entirely online via web client area and iOS/Android mobile apps under a flat €29.99/month subscription.
• Visa Corporate Card (Physical) Physical corporate debit card with no spending limit and fully customizable limits, authorizations, and merchant parameters configurable in real time via client area or mobile app; aimed at eliminating employee expense reports.
• Virtual Cards Digital payment cards issued immediately for online spending with customizable parameters; unlimited issuance included in the €29.99/month subscription at no additional cost.
• Lodge Card Pre-loaded corporate payment card dedicated to managing business travel expenses within the company, with controlled spending limits.
• Fuel Card Corporate card dedicated to managing company fuel expenses, with customizable spending parameters for fleet and employee fuel purchases.
• Smart Card (Carte Connectée) NFC-enabled business card that shares digital content (contact details, web content, files) when tapped against a smartphone, combining payments with digital business card functionality.
• Expense Reports (Notes de frais) Digital expense management module that eliminates traditional reimbursement workflows through mobile receipt scanning with OCR, automatic categorization, real-time documentation, and accounting export.
• Bank Transfers Wire transfer service supporting SEPA standard, SEPA instant, and non-SEPA international transfers, including OCR beneficiary scanning (RIB), automated payroll processing, and grouped transfers via XML (ISO 20022); 100 outgoing SEPA transfers per month are included in the standard subscription.
• Check Services Banking check services including occasional check deposits and banker check issuance priced at €20 per check, requestable through the customer area or via an advisor.
• Card Payment Services (Local Contract / VAD/VADS) Card payment acceptance services for merchants, including a local contract for physical card readers (TPE) and VAD/VADS for online payments, with commissions starting from 0.99% per transaction (minimum €0.09).
• Verifone v240m Card Reader Next-generation Verifone v240m card terminal (TPE) pre-configured for manager.one, Wi-Fi/3G compatible with touchscreen, sold for €499 before tax as a hardware add-on.
• Capital Increase Service Digital capital increase service allowing companies to complete capital increases directly from the client area without additional fees, including a free capital deposit certificate delivered within 48 hours.
• Savings Account (Épargne) Business savings account service for depositing and managing business funds, available to professional clients alongside the main current account.
• Shared Access / Sub-accounts Multi-user account management with customizable access privileges for employees, accountants, and assistants, including sub-account creation for employee expense management and real-time configuration/revocation.
• B2B Card Solutions Program All-in-one customizable payment card issuing program for businesses to manage corporate spending across teams, combining card issuance, real-time controls, and expense automation into a single platform.

Quantifiable outcome

• Pay employees in 2 minutes with automated payroll processing
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Banque Wormser Frères (Banque d'Escompte)coreStrategic or Co-development PartnerBanque Wormser Frères is the licensed banking partner behind manager.one. Founded in 1936, it is a credit-issuing establishment providing the banking license, regulatory oversight, and deposit guarantee (FGDR) for the service. The bank handles KYC/AML compliance and account operations.
• SaGa CorpcoreTechnology or IntegrationSaGa Corp is the technology company that develops and publishes the manager.one online banking platform. Located at 56 boulevard Flandrin, Paris, with registered capital of €170,341. Marc Wormser and Adrien Touati are directors of publication.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Indy: French all-in-one platform for freelancers and sole proprietors offering accounting, invoicing, and banking-adjacent services. Overlaps with Manager.one's micro-entrepreneur and sole proprietor segment.
• Pennylane: French financial management platform for SMEs combining accounting automation with banking connectivity. Competes on the accounting/ERP integration layer where Manager.one also differentiates.
• Lydia: French mobile-first fintech expanding from consumer payments into business accounts and SMB banking services. Increasingly competitive overlap with Manager.one in the French professional segment.

Direct peers

• Pleo: European SMB corporate card and expense management provider with strong presence in France. Direct competitor on card issuance, expense automation, and multi-user account management for SMEs.
• Qonto: French SMB neobank offering business accounts, corporate cards, and expense management for professionals and SMEs. Closest direct competitor in the French market, with broader product suite and significantly larger funding base.
• Shine: French neobank targeted at freelancers, sole proprietors, and small businesses, offering business accounts with integrated invoicing and accounting. Acquired by Société Générale, giving it incumbent banking backing and broader distribution.
• Spendesk: French SMB spend management platform offering corporate cards, expense management, and approval workflows. Direct overlap with Manager.one's expense-report and corporate card proposition, with stronger positioning in mid-market.
• Blank: French neobank for professionals and small businesses offering business accounts with transparent pricing and corporate cards. Direct competitor with similar target audience and pricing philosophy.

Broad incumbents

• Revolut Business: Global neobank's SMB/business offering with multi-currency accounts, corporate cards, and expense tools. Competes with Manager.one in the cross-border freelancer and SMB segment in France.
• N26 Business: European neobank with business account product for freelancers and SMBs. Broader geographic footprint but lighter on the corporate-card-with-real-time-controls proposition Manager.one emphasizes.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/getmanagerone

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds2 records

Investors1 record

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 Manager.one