How does it work?
A payment account
Without overdraft nor checkbook, for receiving and withdrawing money, cashing and issuing bank transfers, receiving direct debits, with your own IBAN.
Up to 4 MasterCard® cards
For yourself and your relatives, 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.
Examples of use
The SmartPay account can be used in many situations. For example, it can be useful for:
Your online payments
To reduce the risk of piracy without disclosing the data from your personal account.
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.
Your daily purchases
To avoid the risks of overdraft and benefit from a cutting-edge account.
To close friends, relatives or for making purchases, in real time between two accounts.
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
SmartPay MasterCard® card
You can order up to 4 SmartPay 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 personal address, 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.
Adding photos and commentsAn expense is more than an amount: link pictures (invoices, items, places, etc) to each of them and make your transaction history a friendly and personal space.
A comment can also be linked to each of them so you can remember them easily or find them more swiftly later via the search engine.
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€||20 000€|
|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€||7 500€|
|Maximum annual||250€||60 000€|
|ATM withdrawal limits by card|
|Maximum per withdrawal and daily||650€|
|Maximum monthly||2 000€|
|Maximum annual||18 000€|
|Outgoing bank transfers limits|
|Maximum per transfer and daily||20 000€|
|Maximum cumulative daily||250€||5 000€|
|Maximum cumulative monthly||250€||20 000€|
|Maximum cumulative annual||250€||120 000€|
|Maximum by credit card daily||250€||1 500€|
|Maximum by credit card monthly||250€||3 000€|
|Maximum by credit card annual||250€||30 000€|
|Maximum by bank transfer daily||5 000€|
|Maximum by bank transfer monthly||20 000€|
|Maximum by bank transfer annual||120 000€|
|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||5||30|
|Maximum number of loads monthly||30||30|
|Maximum number of loads quarterly||60||60|
|Maximum number of loads annual||240||240|
FeesThe SmartPay 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, payments in Euros and direct debits
- 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|
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|
|Rejected direct debits and bank transfers||FREE|
|Real time funds transfers between two Sogexia accounts||FREE|
|Incoming bank transfers||2%|
|Credit card loads||2,5%|
SmartPay MasterCard® card
|Card order from the online portal and renewal (valid for 3 years)||9,90€|
|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 of the standard MasterCard rate (payment or withdrawal in a currency other than Euro)||2,95%|
|PIN reminder if forgotten||1,50€|
|Travel insurance (optional)||1,50€/month|