# Hero: Business account

> A French business account for small companies in France, Italy, Spain and Germany: a French IBAN, SEPA Instant, Visa cards, and invoice and working-capital financing. Hero is the trade name of Coruscant SAS, a French payment institution. Free plan, or €9 and €39 a month.

Finzil profile: https://finzil.com/providers/hero · Provider website: https://heropay.eu · Facts checked: 2026-10-20

## Key facts

- **Monthly fee:** from €0 (Hero Go €9, Hero Pro €39)
- **Setup fee:** Free
- **Currencies:** 1 (EUR)
- **Onboarding:** 3–5 days (typical)
- **Provider type:** Payment institution
- **IBAN:** French IBAN
- **Payment rails:** SEPA, SEPA Instant
- **Cards:** Virtual and physical Visa
- **Safeguarding:** Fiduciary accounts at Banking Circle
- **Remote opening:** Yes
- **Headquarters:** France
- **Trustpilot:** 4 from 899 reviews (checked 2026-10-20)

## Who can apply

- **Non-resident owners** (owner or director living outside the company's country): Not published
- **Countries of incorporation accepted:** France, Italy, Spain, Germany (only these)
- **Countries of incorporation refused:** Not published
- **Owner residency accepted:** Not published
- **Owner residency refused:** Not published
- **Owner nationality refused:** Not published
- **Company types accepted:** Registered businesses (VSEs and SMEs)

## Industries

- **Industries served:** Startups and SMEs, Import and export, E-commerce
- **Prohibited industries (provider's own list):** Not published

## Licences

- France: ACPR, Payment institution, Coruscant SAS, register no. 17868 (https://www.regafi.fr/)

Safeguarding: 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.

## Fees

Source: https://www.heropay.eu/en/pricing (checked 2026-10-20)

### Plans

- **Hero X:** Free
- **Hero Go:** 9 EUR a month
- **Hero Pro:** 39 EUR a month

### Outgoing

- SEPA Instant (Hero X): Free · 5 a month included
- SEPA Instant (Hero Go): Free · 20 a month included
- SEPA Instant (Hero Pro): Free · 60 a month included

### Currency exchange (FX)

- FX markup: Not published

## Opening an 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: Not published

## Pros and cons

- Pro: A free plan with a French IBAN and a virtual Visa card
- Pro: SEPA Instant included: 5, 20 or 60 a month by plan
- Pro: Open to professionals in France, Italy, Spain and Germany
- Pro: Invoice and working-capital financing in the same account
- Pro: Trustpilot score of 4.0 from about 900 reviews
- Con: EUR only
- Con: Instant transfers beyond the plan's allowance are not priced on the pricing page
- Con: No published FX rate
- Con: No list of refused industries published
- Con: Payment institution: no deposit guarantee

## Finzil's take (opinion)

Hero is a French business account that adds invoice and working-capital financing to the usual free IBAN and cards, and it takes companies from Italy, Spain and Germany too. It is a payment institution with a short published price list, so check the cost of transfers beyond your plan before relying on it.

## Alternatives

- [Qonto](https://finzil.com/providers/qonto): Payment institution · France
- [Shine](https://finzil.com/providers/shine): Payment institution · France
- [Finom](https://finzil.com/providers/finom): E-money institution · Netherlands
- [Indy](https://finzil.com/providers/indy): Business account · France

## FAQ

**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.

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