Qonto vs Shine: what each publishes
As of October 7, 2026
The published rules of Qonto and Shine, side by side: which industries each excludes or accepts, where owners must live, which countries each names, the licence each holds and the fees each publishes. Each answer links to the page that quotes the rule with the date we read it.
This is not a ranking, and the two names are in alphabetical order. Either provider may still decline your company because of its activity, where it is registered, where its owners live or which licence it holds. The free check applies the rules of every provider in our base to your answers.
Policy by industry
| Industry | Qonto | Shine |
|---|---|---|
| Crypto | Depends on the activity | No |
| iGaming | No | No |
| Adult | No | No |
| Unlicensed financial services | No | No |
| AI and SaaS | No published rule | No published rule |
| Forex and CFD | No | No |
| Marketplace | No | No published rule |
Qonto
ShineLicence
| Licensee | Qonto | Shine |
|---|---|---|
| Licensee | Qonto SA · payment institution authorised by the ACPR (CIB 16958) | Shine France SAS · payment institution authorised by the ACPR (CIB 17418) |
| Regulator | ACPR · | ACPR · |
Where owners must live
Qonto
No published rule
Shine
No published rule
Rules about countries
Qonto
Qonto is available in 8 markets: France, Italy, Spain, Germany, Portugal, Belgium, Austria, and the Netherlands. Foreign companies can open a Qonto account if they are registered and headquartered in one of these countries.
Austria, Belgium, France, Germany, Italy, Netherlands, Portugal, Spain
Shine
Dans l’hypothèse où l’Utilisateur n’aurait pas encore de numéro SIRET lors de son inscription, il doit en fournir un dans un délai maximum de trente (30) jours calendaires à compter de la date de son inscription. A défaut, son Espace Client sera désactivé.
Nous ne pouvons malheureusement donc pas accepter les comptes ouverts par des citoyen·ne·s des États-Unis pour le moment.
Fees
Qonto
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Basic (self-employed) | Not stated | EUR 9 + VAT (monthly equivalent of an annual plan billed EUR 108; monthly billing also available, price not shown) | · Source |
| Smart (self-employed) | Not stated | EUR 19 + VAT (monthly equivalent, billed annually at EUR 228) | · Source |
| Premium (self-employed) | Not stated | EUR 39 + VAT (monthly equivalent, billed annually at EUR 468) | · Source |
| Essential (business teams) | Not stated | EUR 49 + VAT (monthly equivalent, billed annually at EUR 588) | · Source |
| Business (business teams) | Not stated | EUR 109 + VAT (monthly equivalent, billed annually at EUR 1,308) | · Source |
| Enterprise (business teams) | Not stated | EUR 199 + VAT (monthly equivalent, billed annually at EUR 2,388) | · Source |