Overview
Sogexia, at a glance.
Sogexia is a payment institution headquartered in Luxembourg, regulated by CSSF. The company behind Sogexia is Sogexia S.A. Business accounts cost €0 a month. Opening an account takes 3–5 days.
Sogexia S.A. is a payment institution authorised by the CSSF in Luxembourg (Z19) and registered with the Banque de France (interbank code 26733). Customer funds are safeguarded, not covered by a deposit guarantee.
Why businesses pick Sogexia
- No opening or account fee
- Free outgoing transfers and direct debits
- Both a French and a Luxembourg IBAN
- IBAN in under 24 hours
- Trustpilot score of 4.0 from more than 10,000 reviews
Watch out for
- Every incoming transfer carries a commission: 2% on smaller amounts, down to 0.2% from €3 million
- Cash deposits cost €0.90 plus 4%
- The Metal card costs €49.90 plus €9.90 a month
- EUR only
- Crypto, trading platforms, gambling and MLM refused
Business fit
Will Sogexia 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 Sogexia's published rules
Needs review
Sogexia works with Freelancers, but does not publish the countries it accepts companies from.
Sogexia 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 Sogexia publishes about the businesses it takes on.
Who Sogexia serves
- Freelancers
- Startups and SMEs
- NGOs and charities
Not supported
Industries and countries Sogexia does not accept, from its own published lists.
Industries
- Cryptocurrencies / Virtual Currencies
- Unlicensed Brokers and Agents
- Unauthorized Banking Activities
- Trading Platforms
- Multi-Level Marketing and Pyramid Schemes
- Weapons Trade
- Sexual Content and Services
- Counterfeit Trade
- Online Gambling and Sports Betting
- Blacklisted Geographical Zones
- Opaque Structures Without Justified Activity
- Religious Organisations Classified as Fundamentalist or Extremist
- Occult and Spiritual Practices
- Non-Compliant Cannabis Products
- Unregulated Health Industries
- Extractive Industries
- Unofficial Fundraising
- Illegal Activities of Any Kind
Countries
- Not published
Coverage
Where can you use Sogexia?
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 countries
Not publishedOwner nationality
Not publishedOwner residency
Not publishedCompany types
Self-employed people (auto-entrepreneurs, liberal professions), Small companies (TPE-PME), Associations
Pricing
What does Sogexia 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
Free
Conditions
A month, after 9 months without transactions
Business account
€0 per month
€0 setup · €0 in year one
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Incoming | ||
| SEPA | 2% | Percentage of the amount · Commission by amount: 2% below €11,000, then 1.25%, 1%, 0.8%, 0.6%, 0.45%, 0.3% and 0.2% from €3,000,000 |
| Outgoing | ||
| SEPA | Free | No charge |
| To another Sogexia account | Free | No charge |
Other fees
Currency exchange (FX)
| Cost | Listed amount | How it is charged |
|---|---|---|
| FX markup | Not published |
Cards
| Cost | Listed amount | How it is charged |
|---|---|---|
| Physical card issue | €9.9 | Fixed fee · Classic card, valid 3 years; Metal card €49.90 |
| Monthly card fee | €9.9 | Fixed fee · Metal card only, insurance included |
Onboarding
From application to live account.
Opening an account typically takes three to five business days.
- 1
Apply
Start the application online.
- 2
Documents
Upload the company-register extract, articles, proof of income and beneficial-owner documents.
- 3
Verification
Complete identity verification.
- 4
Account live
Sogexia confirms activation; the IBAN is ready in under 24 hours.
Documents you need
Not published
FAQ
Your questions, answered.
Is Sogexia a bank?
No. Sogexia S.A. is a payment institution authorised and supervised by the CSSF in Luxembourg (Z19) and registered with the Banque de France (interbank code 26733).
How much does Sogexia cost?
Opening and account maintenance are free; outgoing transfers and direct debits are free. Incoming transfers carry a commission from 2% down to 0.2% by amount, cash deposits cost €0.90 plus 4%, and there is a €3 monthly fee after nine months without transactions.
Who can open a Sogexia business account?
Self-employed people, liberal professions, small companies and associations; Sogexia says nationality is not a barrier.
Which businesses does Sogexia refuse?
Its list includes crypto, unlicensed brokers, trading platforms, MLM, weapons, adult content, counterfeit goods, online gambling and betting, opaque structures, non-compliant cannabis and extractive industries.
Alternatives
How Sogexia compares.
If Sogexia is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 SogexiaThis pagePayment institution |  | French IBANPay as you go |
 ShinePayment institution |  | French IBANFree plan |
 QontoPayment institution | | FreelancersInvoicing tools |
 HeroPayment institution | | French IBANFinancing |
 TiimePayment institution | | French IBANAccounting |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.