Shine Review
Comprehensive review and analysis of Shine's digital banking services
Quick Facts
- Founded
- 2017
- Head Office
- France
- Active Customers
- 300,000+
- Total Funding
- €60 million
- Employees
- 250+
- App Store Rating
- 4.7/5
Pros & Cons
Pros
- Freelancer-focused features
- Automated accounting
- Invoice management
- Business support
- Tax assistance
- Competitive pricing
Cons
- Business-only accounts
- Limited personal features
- France-focused services
- Some features require premium
Supported Countries
- France
Fees
- Basic Account Free
- Premium Account €7.99/month
- Business Pro €14.99/month
- Card Issue Free
- International Transfers 0.5% fee
Overview
Shine has revolutionized business banking for freelancers and small businesses since 2017. Their platform combines essential banking services with comprehensive business management tools, making entrepreneurship more accessible.
Key Features
Banking Services
- Business current account
- Professional Mastercard
- SEPA transfers
- Direct debits
- Standing orders
- International payments
Business Tools
- Invoice creation
- Expense tracking
- Receipt scanning
- Tax estimation
- Business formation
- Administrative support
Accounting Features
- Automated bookkeeping
- Tax calculations
- VAT management
- Financial reporting
- Bank reconciliation
- Year-end reports
Additional Services
- Business support
- Legal assistance
- Tax guidance
- Insurance options
- Professional network
- Educational resources
Security Features
- Bank-grade encryption
- Two-factor authentication
- Transaction monitoring
- Fraud detection
- Device management
- Secure messaging
Customer Support
- In-app chat
- Email support
- Phone assistance
- Help center
- Business guides
- Community forum
Verdict
Shine excels in providing comprehensive banking and business management solutions for freelancers and small businesses. Their combination of banking services and business tools makes them particularly valuable for entrepreneurs seeking to simplify their operations.
While the platform focuses exclusively on business users with some premium features, the free tier offers solid functionality for most freelancers. The main limitations are the France-focused services and business-only accounts, but for French entrepreneurs seeking an all-in-one business solution, Shine offers an excellent package.