The account for all

An account to pay and get paid,
opened in a few minutes,
without conditions nor hidden fees. As simply as that.

Open an account

European IBAN

Metal card with insurance

Real-time payments

Trusted by +500 000 customers

A rating of out of 5

based on reviews.

An account 100% online and mobile

To cash and spend money, process bank transfers and receive direct debits with the dedicated IBAN issued at the opening. Coupled to powerful features to make you save money and better manage your budget.

Several Mastercard cards

Of metal or plastic, for yourself or your closed ones, with high limits and worldwide acceptability. Our cards are contactless and can be locked/unlocked in one click from your online account.

Access to the Sogexia Club

Receive up to 20% cashback at more than 1,100 partner merchants directly credited to your Sogexia account and access our exclusive voucher codes via the Sogexia Club.

Full visibility on your money

Save time and enjoy managing your finances. Your Sogexia account automatically categorizes all your transactions and displays in a readily understood form your balance and your incomes and outcomes.

Ready to be treated like a human person?

For us, customer service is not an afterthought, it is at the core of everything we do. We give you tools to help yourself, while still making sure knowledgeable, friendly people are there to help when you need them. No pitfalls, no phone menus, no frustration.

Online help center available 24/7. E-mail and phone support team available Monday to Saturday from 9am to 6pm.

Even more reasons to choose Sogexia

Real time

Your bank transfers are credited as soon as they are received and your payments are displayed instantly in your transaction history.

Instant transfers

Never put multiple cards down at the dinner table again: transfers between Sogexia accounts are free and instantaneous.

International transfers

Send and receive transfers in more than 18 currencies with advantageous rates in comparison to traditional banks.


Sogexia is a payment institution authorised in Luxembourg. 100% of your funds are lodged at all times on a segregated account and are never invested nor loaned.

No bad surprises

No authorised overdraft and no hidden fees. You can get your money back at any time upon simple request.


Receive real time notifications for each transaction made: payments, ATM withdrawals, transfers and direct debits.

Frequently asked questions

You can open your account in a few minutes by clicking on the “Open an account” button. Opening an account does not require any specific financial condition or minimum revenues. You will simply need a valid ID card and a proof of residency (in your name or in the name of a third person).

With Sogexia, you get all the tools to 100% manage your account yourself and in real-time: send/cancel bank transfers, order/lock/unlock cards, revoke direct debits, etc. If nonetheless you need help, you can be assured to speak with a qualified customer representative who will make her best efforts to answer your questions as soon as possible.

In addition, all your transactions are in real-time, we credit all your bank transfers immediately with no additional delay and you get access to several features that will allow you to save money: cashback at +900 merchants, spending analysis, international transfers with competitive foreign exchange rates and a no hidden fees guarantee.

Sogexia is a payment institution authorised and regulated by the Commission de Surveillance du Secteur Financier of Luxembourg (n° 43/19) and owner of the European passport. We have chosen to hold 100% of your money under the safeguarding regime and to never invest or lend it. Therefore, your funds are protected and even in the unlikely event that we go bankrupt, you will be able to recover them.

Furthermore, we have developed a banking platform at the cutting-edge of technology, built on the highest security standards and which has been proving itself over the past 10 years. Its primary objective is to protect your data and funds and our entire system.

After opening your account, your IBAN will be immediately available as soon as your identity documents have been verified by our team. This step usually only takes a few hours.

In order to provide the best service quality, we chose to register to all the existing SEPA clearing cycles with other financial institutions and to credit transfers on your account as soon as we receive them with no additional delay. You will therefore not see ongoing incoming transfers or a value date on your account.

Incoming transfers are credited as soon as we receive them. Usually we received them on the next working day of their execution date.

Outgoing SEPA transfers created in the morning are generally credited on the beneficiary account on the next working day. If you have created the transfer in the afternoon, the beneficiary will generally receive the funds on the next working day if his bank also processes transfers immediately, other two working days after.

Cashing checks will be possible within the next few months. Issuing checks will however never be possible.

Our cards have no restriction applied to instalments payments. However, please note that your account must have a sufficient balance to cover each instalment when it arrives.

Someone from has opened an account some moments ago