Shine vs Finom

traditional vs traditional · from the open dataset of 368 tracked neobanks · no affiliate links, ever

Shine: Freelancer banking (Société Générale).

Finom: SMB/freelancer banking across the EU.

Side by side

	Shine	Finom
Category	traditional	traditional
Audience	freelancers & creators	SMB & startups
HQ	Paris, FR	Amsterdam, NL
Founded	2017	2019
Custody	Custodial	Custodial
Regulation	Payment institution	E-money institution
Licence detail	Payment institution (ACPR n°71758, France); funds safeguarded at Société Générale	E-money institution (FINOM Payments B.V., DNB Netherlands); EU/EEA passporting
Card	MC · Business debit	Visa · Business debit
Cashback	—	Up to 3%
Yield	—	—
Stablecoins	No	No
KYC	Yes	Yes
Regions	Europe	Europe
Reported users	—	—

go deeperFull profiles: Shine · Finom — or run your own comparison of up to four in the directory.

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.