← back

Indy

traditional · Lyon, FR · est. 2016 · open in the directory → · Deutsch → · Italiano → · Français → · Español → · Português →

short answerIndy is a fiat neobank built for freelancers & creators, headquartered in Lyon, FR and founded in 2016. Your money is held custodially, so Indy or its partner bank holds the balance and you hold a claim on it. It is regulated as an e-money institution (Accounts via Swan, ACPR-licensed e-money institution (France); French IBAN). It issues a Mastercard business account card. It is available in Europe.

Freelancer accounting + banking.

the money mapSafeguarded, not insured

Who holds it: An e-money institution holds your balance in a safeguarding account — Accounts via Swan, ACPR-licensed e-money institution (France); French IBAN.
The ledger: The e-money institution’s own ledger.
If it fails: Safeguarded funds are returned in administration — ring-fenced, but access can be frozen and slow.

Derived from Indy’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →

The facts

Category	traditional · freelancers & creators
HQ	Lyon, FR
Founded	2016
Custody	Custodial
Regulation type	E-money institution
License detail	Accounts via Swan, ACPR-licensed e-money institution (France); French IBAN
Card	MC · Business account
Stablecoins	No
KYC	Yes
Active regions	Europe

Verified links: official site ↗

Common questions about Indy

What is Indy?

Indy is a fiat neobank built for freelancers & creators, headquartered in Lyon, FR and founded in 2016. Your money is held custodially, so Indy or its partner bank holds the balance and you hold a claim on it. It is regulated as an e-money institution (Accounts via Swan, ACPR-licensed e-money institution (France); French IBAN).

Does Indy have a card, and where can you use it?

It issues a Mastercard business account card. It is available in Europe.

Does Indy require KYC?

Yes. Indy requires identity verification (KYC) to open an account, as a e-money institution.

share Indy on 𝕏 →

Early investors

Notable venture and strategic investors from Indy's publicly disclosed funding rounds.

Singular ↗

comparePut Indy side by side with any of the other 379 tracked neobanks in the directory — custody, license, cashback, yield, stablecoins and geography in one view.

Who owns Indy? · Indy alternatives

Head-to-head

Indy vs Shine

Peers

Monzo · Wise · Starling Bank · Atom Bank · Zopa Bank · Chase UK

Indy appears in

Neobanks authorised as e-money institutions (48) · Neobanks available in Europe (144) · Neobanks for freelancers and creators (15) · Neobanks that issue a Mastercard (150) · Neobanks in France (11)

Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.