# Sogexia: Business account

> A pay-as-you-go payment account for French self-employed people, small companies and associations from Sogexia, a Luxembourg payment institution: French and Luxembourg IBANs, free outgoing transfers and direct debits, and Mastercard business cards. No account fee; incoming transfers carry a commission of 0.2% to 2%.

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

## Key facts

- **Monthly fee:** €0
- **Setup fee:** Free
- **Currencies:** 1 (EUR)
- **Onboarding:** 3–5 days (typical)
- **Provider type:** Payment institution
- **IBAN:** French and Luxembourg IBANs
- **Payment rails:** SEPA
- **Cards:** Mastercard business cards
- **Safeguarding:** Segregated accounts
- **Remote opening:** Yes
- **Headquarters:** Luxembourg
- **Trustpilot:** 4 from 10,592 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:** Not published
- **Countries of incorporation refused:** Not published
- **Owner residency accepted:** Not published
- **Owner residency refused:** Not published
- **Owner nationality refused:** Not published
- **Company types accepted:** Self-employed people (auto-entrepreneurs, liberal professions), Small companies (TPE-PME), Associations

## Industries

- **Industries served:** Freelancers, Startups and SMEs, NGOs and charities
- **Prohibited industries (provider's own list):** 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 (source: https://support.sogexia.com/hc/en-gb/articles/23951978660114-What-activities-are-prohibited-at-Sogexia)

## Licences

- Luxembourg: CSSF, Payment institution, Sogexia S.A., register no. Z19 (https://www.cssf.lu/en/supervised-entities/)

Safeguarding: 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.

## Fees

Source: https://www.sogexia.com/en/pricing (checked 2026-10-20)

### Plans

- **Business account:** Free

### Incoming

- SEPA: 2% · 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
- To another Sogexia account: Free

### Currency exchange (FX)

- FX markup: Not published

### Cards

- Physical card issue: €9.9 · Classic card, valid 3 years; Metal card €49.90
- Monthly card fee: €9.9 · Metal card only, insurance included

## Opening an 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: Not published

## Pros and cons

- Pro: No opening or account fee
- Pro: Free outgoing transfers and direct debits
- Pro: Both a French and a Luxembourg IBAN
- Pro: IBAN in under 24 hours
- Pro: Trustpilot score of 4.0 from more than 10,000 reviews
- Con: Every incoming transfer carries a commission: 2% on smaller amounts, down to 0.2% from €3 million
- Con: Cash deposits cost €0.90 plus 4%
- Con: The Metal card costs €49.90 plus €9.90 a month
- Con: EUR only
- Con: Crypto, trading platforms, gambling and MLM refused

## Finzil's take (opinion)

Sogexia has no monthly fee and free outgoing transfers, but charges a commission on every incoming transfer, up to 2% on smaller amounts. That suits a business that pays out more than it receives; for most invoicing businesses a flat-fee account such as Shine or Qonto will be cheaper.

## Alternatives

- [Shine](https://finzil.com/providers/shine): Payment institution · France
- [Qonto](https://finzil.com/providers/qonto): Payment institution · France
- [Hero](https://finzil.com/providers/hero): Payment institution · France
- [Tiime](https://finzil.com/providers/tiime): Payment institution · France

## FAQ

**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.

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