Overview
Tiime, at a glance.
Tiime is a payment institution (account software with banking) headquartered in France, regulated by ACPR. The company behind Tiime is TMFS. Business accounts cost from €0 a month. Opening an account takes 3–5 days.
Tiime's account is a payment account, not a bank account. The group's own payment institution, TMFS (Tiime Financial Services), was authorised by the ACPR in February 2026; Tiime's legal notice still describes the Compte pro as provided by Tiime as a payment agent of Treezor SAS, an e-money institution, so accounts may be held at either while the move is completed.
Why businesses pick Tiime
- Free plan with a French IBAN
- Unlimited SEPA transfers in and out
- Invoicing, receipts and accounting in the same app
- For freelancers, auto-entrepreneurs and small companies
- Trustpilot score of 4.5 from about 650 reviews
Watch out for
- EUR only, no foreign-currency transfers priced
- Paid plans are quoted excluding VAT
- Account provider changing from Treezor to Tiime's own institution
- No list of refused industries published
- French businesses only
Business fit
Will Tiime 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 Tiime's published rules
Likely no
Tiime does not list United Kingdom among the countries where it accepts companies.
Tiime 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 Tiime publishes about the businesses it takes on.
Who Tiime serves
- Freelancers
- Startups and SMEs
- Professional services
Not supported
Industries and countries Tiime does not accept, from its own published lists.
Industries
- Not published
Countries
- Not published
Coverage
Where can you use Tiime?
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 countries1 countries · show list
- France
Owner nationality
Not publishedOwner residency
Not publishedCompany types
Freelancers and auto-entrepreneurs, Small companies (TPE/PME) with a K-bis
Pricing
What does Tiime 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
Not published
Monthly fee
€0–24.99
depends on plan
Free
Lowest cost€0 per month
Setup fee not published
Initial
€9.99 per month
Setup fee not published
Smart
€17.99 per month
Setup fee not published
Business
€24.99 per month
Setup fee not published
Transaction fees
| Cost | Listed amount | How it is charged |
|---|---|---|
| Incoming | ||
| SEPA | Free | No charge · Unlimited |
| Outgoing | ||
| SEPA | Free | No charge · Unlimited |
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
Fill in the online application (about five minutes).
- 2
Documents
Upload your identity document and the K-bis or declaration of activity.
- 3
Verification
Complete identity verification.
- 4
Account live
Receive the RIB and IBAN and order Mastercard cards; Tiime says 90% of accounts are active within five days.
Documents you need
Not published
FAQ
Your questions, answered.
Is Tiime a bank?
No. Tiime's account is a payment account. Its payment institution TMFS (Tiime Financial Services) was authorised by the ACPR in 2026 (bank code 17938); before that Tiime acted as a payment agent of Treezor.
How much does Tiime cost?
The Free plan costs nothing; Initial is €9.99, Smart €17.99 and Business €24.99 a month excluding VAT. SEPA transfers in and out are unlimited.
Who can open a Tiime account?
Freelancers, auto-entrepreneurs and small companies in France, with a K-bis or a declaration of start of activity.
What else is included?
Invoicing, receipt capture and accounting tools; the higher plans add more accounting features.
Alternatives
How Tiime compares.
If Tiime is not the right fit, these providers work with similar businesses. Compare their listed licences and services below.
| Provider | Licensed in | Known for |
|---|---|---|
 TiimeThis pagePayment institution (account software with banking) |  | French IBANAccounting |
 ShinePayment institution | | French IBANFree plan |
 QontoPayment institution | | FreelancersInvoicing tools |
 IndyBusiness account | | Free accountAccounting built in |
 HeroPayment institution | | French IBANFinancing |
Not sure which one fits? Your profile ranks them for your business, with the reason behind each.