# Shine

> Source: https://docs.barcoder.ai/docs/wallets/shine
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Shine — official](https://shine.fr/)

## Key details

- **Launch:** 2017
- **Users:** 4M customers

## Overview

**Shine** is **French B2B neobank for SMEs + freelancers** + **Société Générale subsidiary post-Jun 2020 ~€100M acquisition** + **~100K+ business customers in France** <sup>[1][1], [France report](https://docs.barcoder.ai/docs/payments/FR)</sup>.

## History

**2017 — Shine founded by Nicolas Reboud + Ralph Ruimy in France** distinctive French B2B neobank heritage.

**2018 — Shine mobile + web business banking app launch**.

**Jun 2020 — Société Générale acquires Shine for ~€100M** distinctive French banking-fintech acquisition.

## Ownership & operator

**Operating entity**: **Shine SAS** (French B2B neobank for SMEs + freelancers; Société Générale subsidiary).

**Major shareholders**: **Société Générale (ENXTPA: GLE; French banking group) fully owned post-Jun 2020 acquisition**.

**Regulators**: **ACPR France + ECB**.

## Technical integration

Shine mobile app (iOS + Android; ~100K+ business customers) + shine.fr web + Shine Mastercard prepaid business cards; SEPA + SEPA Instant + EPC-QR + Wero (post-EPI launch).

## Implementations & partners

**Société Générale parent**: [BoursoBank (Boursorama)](https://docs.barcoder.ai/docs/wallets/boursobank) (Boursorama French digital bank subsidiary of Société Générale; 8.4M customers Jul 2025) + [L'Appli SG (Société Générale)](https://docs.barcoder.ai/docs/wallets/societe-generale) (Société Générale Mobile French banking group app).

**Major French + EU B2B neobank competitors**: [Qonto](https://docs.barcoder.ai/docs/wallets/qonto) (Qonto French B2B neobank for SMEs + freelancers; ACPR France credit institution licence post-Jul 2022; ~600K+ business customers across 8 countries; European business banking unicorn ~€4.4B valuation) + [Memo Bank](https://docs.barcoder.ai/docs/wallets/memo-bank) (Memo Bank French B2B neobank for mid-market businesses) + Finom (Finom European B2B neobank for SMEs + freelancers) + Revolut Business (Revolut Business UK + global B2B neobank) + Wise Business (Wise Business UK + global B2B multi-currency account) + [SumUp](https://docs.barcoder.ai/docs/wallets/sumup) (SumUp UK + global SME payments + business banking).

**Regulators**: ACPR France + ECB.

## Status

**Active, French B2B neobank for SMEs + freelancers + Société Générale subsidiary post-Jun 2020 ~€100M acquisition + ~100K+ business customers in France** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://shine.fr/ "Shine — official"
[2]: https://en.wikipedia.org/wiki/Shine_(neobank) "Shine — Wikipedia"
[fr-cro]: https://docs.barcoder.ai/docs/payments/FR

- [1] [Shine — official][1]
- [2] [Shine — Wikipedia][2]
- <sup>[France report](https://docs.barcoder.ai/docs/payments/FR)</sup> In-corpus: `reports/countries/FR-france.md`

## Source

Biography extracted from [shine.md](https://docs.barcoder.ai/source/wallets/shine). See `matrix.md` for standards-support matrix if present.