Your account,
the way it should be:

smart, without hidden fees,
open to everyoneTerms and Conditions apply.

A payment account 100% online and mobile

InstantTerms and conditions apply
online opening, no minimum load, with an IBAN for your bank transfers.

Up to 4 Mastercard® cards

Linked to your account, for yourself or your relatives, with flexible limits and broad acceptance.

Up to 20%
rebateThis feature is optional and separated from your account agreement.
at +850 merchants

Directly credited back to your account in addition of our exclusive discount codes.

Automated spending management

Get a real-time view over your spending to understand easily where your money goes.

More than 150 000 customers already trust us. Join them!

"The interface is user-friendly and the essential features work like a charm. But the additional services are the true advantages in comparison with a traditional bank account."

− Joëlle Rettaggi

"Excellent! No issue since more than 9 months. I receive my wages, I use the account as any other current account and the advantage is that it's often the same person in charge of answering my questions and they are very very fast!"

− Micka

"Card accepted everywhere, ultra quick transfers. Customer service highly available :) Thank you!"

− Julien D.
Read all the authentic customer reviews at
Transfer money instantly. For free.
SmartPay makes paying back your friends a snap. Never put multiple cards down at the dinner table again. Transfers between 2 Sogexia accounts are free and instantaneous.
Your transactions in real-time.
Your bank transfers are credited as soon as they are received without any additional value date, and your payments are displayed immediately in your history.

Benefit from an optional insurance cover with each card

3 load methods (bank transfer, credit card, e-wallets)

Add pictures and notes to each of your transactions

Validate important operations by SMS for a strengthen security

With SmartPay, you get an account to load and withdraw money, process bank transfers, receive direct debits and powerful tools and services to help you manage your money.
Ready to be treated like a person?
Customer service isn’t an afterthought, it’s 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.