How does it work?
A payment account
Without overdraft nor checkbook, for receiving and withdrawing money, cashing and issuing bank transfers, with your own IBAN.
Up to 4 Mastercard® cards
For yourself and your associates, to pay for your purchases in million of locations worldwide, online and in-store and to withdraw cash in France and abroad.
An online and mobile account
For your routine transactions to be conducted from anywhere in the world, online and over the phone.
No nasty surprises
- You can get back your money at any time, with no explanation required.
- No time commitment, no minimum load and no check on your financial situation.
- No overdraft and no hidden fees or other charges.
For which companies?
The Business account is intended for every companies wishing to have an efficient and cost effective alternative to high-street bank accounts. It can manily suit to:
- Liberal professions and artisans
- Self-employed individuals
Examples of use
The Business account can be used in many situations. For example, it can be useful for:
Your trips abroad
To travel in confidence without cash and avoiding the need to exchange money.
No checks are conducted on your credit rating and your data remains totally confidential.
To suppliers or for making purchases, in real time between two accounts.
Your daily purchases
To avoid the risks of overdraft and benefit from a cutting-edge account.
Your travelling expenses
Thanks to the Mastercard® cards linked to your account and the DynamicProof® solution.
Opening an account smoothly
Opening the account online is immediate and free, with no required minimum load.
By bank transfer
By credit card
By transfer between 2 Sogexia accounts
Business Mastercard® card
You can order up to 4 Business Mastercard® cards from your online portal. Each card can be embossed with the name of your wish and provides access to your funds internationally for making payments and withdrawals once upgraded.
A card at the cutting edge of technology
- Valid for 3 years
- Chip and PIN
- Real-time transaction tracking
- 3rd line (first name, surname) embossed customisable when ordering
Delivery and activation
Each card is delivered to your company’s head office, inactive, within 10 working days (up to 20 days outside France). Upon receipt, you can activate the card in real-time from your online portal by clicking on the “My cards” tab, then “Activation”.
Discounts at over 850 merchants
More information on : www.sogexiaclub.com
Easily understand where your money goes
More transparencyBecause the tool assists you in spotting whether a company is overcharging you (e.g. your phone company) and you always know where you are with your credits and debits.
Less expensesBecause you can view your detailed daily expenditure through graphical analysis, it is easy to reduce spending and start putting money aside.
Automation of expense reports: DynamicProof©The Business account gives you access to the advanced functionality of digitisation and automation of expense reports: DynamicProof©. After each payment, you can scan, or take a photo, of the corresponding receipt and link it to the original transaction from the online portal after filling in the expenditure data (VAT rates, additional comments, etc).
You can then access, in real time, from your online portal, all the receipts and carry out a full export for automatic integration into your accounting software.
Thanks to the DynamicProof© service, your company saves a considerable amount of time in processing expenditures and gets a better view of them. The impact on management costs and speed of administration of expenses is significant.
Upgrade and usage limits
To upgrade your account, simply log into your online portal and upload the copies of the identity documents as described there.
There is no obligation to upgrade your account or any associated commitment. No check on your personal circumstances will be made using the documents sent.
|Non-upgraded account||Upgraded account|
|Maximum available balance||250€||80 000€|
|Card payments in France and other countries|
|Card ATM withdrawals in France and other countries|
|Outgoing bank transfers|
|Incoming bank transfers|
|Credit/debit card loads|
|Spend limits by card|
|Maximum per transaction and daily||250€||5 000€|
|Maximum monthly||250€||10 000€|
|Maximum annual||250€||120 000€|
|ATM withdrawal limits by card|
|Maximum per withdrawal and daily||650€|
|Maximum monthly||1 000€|
|Maximum annual||12 000€|
|Outgoing bank transfers limits|
|Maximum per transfer and daily||25 000€|
|Maximum cumulative daily||250€||25 000€|
|Maximum cumulative monthly||250€||80 000€|
|Maximum cumulative annual||250€||600 000€|
|Maximum by credit card daily||250€||1 500€|
|Maximum by credit card monthly||250€||10 000€|
|Maximum by credit card annual||250€||60 000€|
|Maximum by bank transfer daily||25 000€|
|Maximum by bank transfer monthly||80 000€|
|Maximum by bank transfer annual||600 000€|
|Maximum number of cards linked to the account||1||4|
|Maximum number of card payments daily||25||25|
|Maximum number of card payments monthly||400||400|
|Maximum number of ATM withdrawals daily||–||3|
|Maximum number of ATM withdrawals monthly||–||50|
|Maximum number of loads daily||30||30|
|Maximum number of loads monthly||400||400|
|Maximum number of loads quarterly||1 000||1 000|
|Maximum number of loads annual||4 000||4 000|
FeesThe Business account includes the following free of charge:
- An individual payment account
- A web and phone online portal
- E-statements and transactions in real time
- Account and card management
- Outgoing transfers and payments in Euros
- Pictures and comments storage
- The Spending analysis tool
- Customer service by email and phone
- Access to the Sogexia Club (cashback & discounts)
|Access to the online portal||FREE|
|Retreival of your online portal credentials if forgotten||FREE|
|Account management fees
Please note that an account inactivity fee of 3€/month will be charged after nine months inactivity.
|Change to your personal information||FREE|
|Email and phone customer service||FREE|
|Advanced budget management tool||FREE|
|Outgoing bank transfers||FREE|
|Real time funds transfers between two Sogexia accounts||FREE|
|Incoming bank transfersr||1,25%|
|Credit card loads||2,5%|
Business Mastercard® card
|Card order from the online portal and renewal (valid for 3 years)||14,90€|
|Monthly/annual management fee||FREE|
|Activation of the card||FREE|
|Payment in points of sale and online||FREE|
|Cancellation at your request or due to misuse||FREE|
|Foreign exchange mark-up (payment or withdrawal in a currency other than Euro)||2,95%|
|PIN reminder if forgotten||1,50€|