# Tiime: Business account

> A French business account built into Tiime's invoicing and accounting software, for freelancers, auto-entrepreneurs and small companies: a French IBAN, unlimited SEPA transfers and Mastercard cards. Free, or €9.99 to €24.99 a month excluding VAT. Tiime's own payment institution, TMFS, was authorised in 2026.

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

## Key facts

- **Monthly fee:** from €0 (€9.99 to €24.99 excl. VAT)
- **Currencies:** 1 (EUR)
- **Onboarding:** 3–5 days (typical)
- **Provider type:** Payment institution (account software with banking)
- **IBAN:** French IBAN
- **Payment rails:** SEPA, SEPA direct debit
- **Cards:** Virtual and physical Mastercard
- **Safeguarding:** Segregated accounts
- **Remote opening:** Yes
- **Headquarters:** France
- **Trustpilot:** 4.5 from 644 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 (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:** Freelancers and auto-entrepreneurs, Small companies (TPE/PME) with a K-bis

## Industries

- **Industries served:** Freelancers, Startups and SMEs, Professional services
- **Prohibited industries (provider's own list):** Not published

## Licences

- France: ACPR, Payment institution, TMFS, register no. 17938 (https://www.regafi.fr/)

Safeguarding: 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.

## Fees

Source: https://www.tiime.fr/tarifs (checked 2026-10-20)

### Plans

- **Free:** Free
- **Initial:** 9.99 EUR a month
- **Smart:** 17.99 EUR a month
- **Business:** 24.99 EUR a month

### Incoming

- SEPA: Free · Unlimited

### Outgoing

- SEPA: Free · Unlimited

### Currency exchange (FX)

- FX markup: Not published

## Opening an 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: Not published

## Pros and cons

- Pro: Free plan with a French IBAN
- Pro: Unlimited SEPA transfers in and out
- Pro: Invoicing, receipts and accounting in the same app
- Pro: For freelancers, auto-entrepreneurs and small companies
- Pro: Trustpilot score of 4.5 from about 650 reviews
- Con: EUR only, no foreign-currency transfers priced
- Con: Paid plans are quoted excluding VAT
- Con: Account provider changing from Treezor to Tiime's own institution
- Con: No list of refused industries published
- Con: French businesses only

## Finzil's take (opinion)

Tiime suits French freelancers and small firms who want invoicing and accounting in the same place as their account, and the free plan covers unlimited SEPA transfers. It is moving its accounts from Treezor to its own payment institution, so ask which one will hold yours.

## Alternatives

- [Shine](https://finzil.com/providers/shine): Payment institution · France
- [Qonto](https://finzil.com/providers/qonto): Payment institution · France
- [Indy](https://finzil.com/providers/indy): Business account · France
- [Hero](https://finzil.com/providers/hero): Payment institution · France

## FAQ

**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.

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