Overview
Hero, at a glance.
Hero is a payment institution headquartered in France, regulated by ACPR. The company behind Hero is Coruscant SAS. Business accounts cost from €0 a month. Opening an account takes 3–5 days.
Hero (Coruscant SAS) is a payment institution, not a bank. It says customer funds are segregated in fiduciary accounts at Banking Circle, off its own balance sheet.
Why businesses pick Hero
- A free plan with a French IBAN and a virtual Visa card
- SEPA Instant included: 5, 20 or 60 a month by plan
- Open to professionals in France, Italy, Spain and Germany
- Invoice and working-capital financing in the same account
- Trustpilot score of 4.0 from about 900 reviews
Watch out for
- EUR only
- Instant transfers beyond the plan's allowance are not priced on the pricing page
- No published FX rate
- No list of refused industries published
- Payment institution: no deposit guarantee
Business fit
Will Hero accept your business?
Four quick answers. Where your company is registered and what it does rule a provider in or out faster than anything else.
Based on Hero's published rules
Likely no
Hero does not list United Kingdom among the countries where it accepts companies.
Hero does not publish a minimum company age or turnover, so those two answers are not checked here.
This is one provider. Your profile checks all of them.
- Every provider that fits your business
- The reason behind each match
- Company age and turnover checked too
Who it works with
Accepted and not accepted.
What Hero publishes about the businesses it takes on.
Who Hero serves
- Startups and SMEs
- Import and export
- E-commerce
Not supported
Industries and countries Hero does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use Hero?
Coverage is a starting point. It does not confirm that every business in these markets is eligible.
Supported currencies
EUR
Payment reach
Not published
Who can apply
Company incorporation countries4 countries · show list
- France
- Italy
- Spain
- Germany
Owner nationality
Not publishedOwner residency
Not publishedCompany types
Registered businesses (VSEs and SMEs)
Pricing
What does Hero cost?
Look beyond the monthly fee. Your total cost depends on how many transfers you make, where they go and how much you convert.
Account cost
Opening fee
Free
Monthly fee
€0–39
depends on plan
Hero X
Lowest cost€0 per month
€0 setup · €0 in year one
Hero Go
€9 per month
€0 setup · €108 in year one
Hero Pro
€39 per month
€0 setup · €468 in year one
Transaction fees
| Cost | Hero X | Hero Go | Hero Pro | How it is charged |
|---|---|---|---|---|
| Outgoing | ||||
| SEPA Instant | Free | Free | Free | No charge · 5 a month included |
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not published |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Apply
Open the Hero app or website and choose a plan.
- 2
Business and identity
Give the company's details and verify your identity remotely.
- 3
Checks
Hero reviews the application.
- 4
Account live
You receive the French IBAN and fund the account by bank transfer.
Documents you need
Not published
FAQ
Your questions, answered.
Is Hero a bank?
No. Hero is the trade name of Coruscant SAS, a French payment institution authorised by the ACPR (bank code 17868). Customer funds are held in fiduciary accounts at Banking Circle.
How much does Hero cost?
Hero X is free, Hero Go costs €9 and Hero Pro €39 a month. Each plan includes a number of instant transfers a month: 5, 20 or 60.
Who can open a Hero account?
Professionals and small companies registered in France, Italy, Spain or Germany.
Is hero.fr the same company?
Yes. hero.fr links to heropay.eu, where the account, prices and legal notice are published.
Alternatives
How Hero compares.
If Hero is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 HeroThis pagePayment institution |  | French IBANFinancing |
 QontoPayment institution | | FreelancersInvoicing tools |
 ShinePayment institution | | French IBANFree plan |
 FinomE-money institution |  | Freelancers and small companiesInvoicing |
 IndyBusiness account | | Free accountAccounting built in |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.