Personal Finance Money transfer

Shine international transfer from France: everything you need to know about it

Soufiane Baba
Soufiane Baba
04.11.25
Read time 2 minutes

Shine is a 100% online banking service for professionals that simplifies financial transactions between SEPA countries. It also allows international transfers and receipts via the SWIFT network.

But what are the fees and transfer times with Shine? How can you send money outside the SEPA zone? And what are the best alternatives for international transfers from France? Here’s everything you need to know.

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Shine fees: what are the rates for transfers?

Shine offers several types of professional accounts: Free, Start, Plus, and Business.¹

SEPA transfers

Depending on your plan, you can make a certain number of free SEPA transfers each month.¹

FreeStart (€11/month)Plus (€25/month)Business (€80/month)
5 transfers/month30 transfers/month100 transfers/month500 transfers/month

Note: Each additional transfer beyond these limits costs €0.40.¹

Transfers outside the SEPA zone

You can send or receive international transfers in foreign currencies outside the SEPA zone. Fees vary by plan:¹

PlanOutgoing transfer feeIncoming transfer fee
Free1% (min. €5)€6
Start0.75% (min. €4)€5
Plus0.6% (min. €4)€5
Business0.45% (min. €4)€5

How to make an international transfer with Shine

Making an international transfer from Shine is simple:²

  • Log in to your customer area, go to the Payments tab, select Make a transfer, then choose In foreign currency.
  • Select the account to debit and enter the amount. Fees and the total in euros will be calculated automatically.
  • Choose an existing beneficiary or click Add a beneficiary to enter their details.
  • Add any additional information such as a payment reference, reason, or document, then confirm the transfer.

Shine currently supports international transfers in 10 currencies: AUD, CAD, CHF, GBP, HKD, ILS, JPY, KRW, SGD, and USD.²

Shine SWIFT transfer: how it works

A SWIFT transfer is a money transfer between banks using the SWIFT international payment network — usually for transfers outside the SEPA zone.

To enable this, Shine partners with Wise, allowing users to send and receive money internationally via the SWIFT network.

Can you make a SWIFT transfer with Shine?

Yes. Shine users can make SWIFT transfers — but these transfers are processed through Wise.²

Shine & Wise: partnership for non-SEPA transfers

Thanks to its partnership with Wise, Shine users can make international transfers to and from countries outside the SEPA zone, directly from their Shine account interface.

Fees and transfer times outside the SEPA zone

Transfers outside the SEPA zone are typically processed within a few seconds to up to 3 business days, depending on the currency, destination country, and amount.²

Alternatives to Shine for sending money from France

If you frequently send money outside the SEPA or SWIFT zone, there are several alternatives — including both traditional banks and neobanks.

Here are a few options for professional transfers from France:

  • Bourso Business: the professional offer from BoursoBank allows SEPA and international transfers with no monthly account fee.³
  • N26 Business: designed for freelancers, this account allows transfers both within and outside the SWIFT zone, with no monthly fees.⁴
  • Qonto: a French fintech offering business accounts for entrepreneurs and SMEs, starting at €9/month (tax included). All plans include international transfer capabilities.⁵
  • Wise Business: with a Wise Business account, you can send and receive money abroad from France at the mid-market rate, manage multiple currency balances, and view all fees upfront before confirming any payment.

FAQ: Shine international transfers

What are the benefits of a professional account?

A professional account helps freelancers and business owners manage their company’s cash flow more easily. It allows international payments, client collections, employee payouts, and generally comes with lower SWIFT and SEPA transfer fees.

Do I need a professional account?

Professional accounts are mainly intended for freelancers, small business owners, and companies. You should compare providers and plans to find one that fits your professional needs.

Can I use my professional account for personal expenses?

Professional accounts are designed for business transactions — such as paying suppliers, receiving client payments, and managing company transfers. While personal use is not prohibited, it’s best kept limited.

Choose Wise Business for low-cost international transfers

Open a Wise Business account to make international transfers simply and affordably. You’ll get the mid-market exchange rate without hidden markups.

For international payments, Wise fees start from just 0.47%. You can open a professional account for €50 — with no ongoing monthly fees.

Open your Wise Business account

Sources:

  1. Shine Subscriptions
  2. Shine FAQ
  3. BoursoBank Fee Schedule
  4. N26 Bank Account
  5. Qonto Pricing

Last verified on September 16, 2025.

This article is a translation of the original article published in French and was translated within 365 days of publication. While the content has been translated for accessibility, the data and sources referenced have not been updated since the original publication date.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

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