Budget bank accounts
Set your limits, categorise your spending and keep a clear picture of what you can spend.
Learn moreThe online bank account that makes managing your finances effortless
Manage your finances with a modern online bank account from Sumeria. Track your spending in real time, automatically categorize every transaction, explore clear visual insights, and receive smart alerts to stay in control.
With tools to take back control
Structure your money in themed bank accounts, group them however you like, set limits. One main card for smarter spending and virtual cards for secure online payments. Custom charts to better understand yourself.
Project bank accounts
Save for what really matters, without losing track of your day-to-day.
Learn moreVirtual cards
Pay online more confidently with a genuinely useful security layer.
Learn moreSingle physical card
One card to manage all your accounts, without unnecessary complexity.
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And a banking AI that replaces menus, searches and second-guessing
Not just another banking chatbot: a real assistant, a personal and genuinely helpful advisor. Ask it questions, then ask it to act. On your spending, your insurance, your security options. Written or spoken, 24/7. Fully confidential. With a human advisor to take over if needed. Learn more >
Without anything that could put you at risk
To protect you from snap decisions and banks’ systems that give the illusion of helping but create costly habits: Sumeria has no overdraft, no cheques, no credit, and no pay-in-4.
And nice surprises
1%
Your money works for you
Every day, automatically, effortlessly. Your current accounts earn 2% for the first 3 months, then 1%*.
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No foreign transaction fees
Pay anywhere in the world with the Sumeria card, with no extra cost. Withdrawals and payments included, in all currencies.
Learn moreJust a bank account. A good free bank account. Finally.
Open your free account and start tracking your money more clearly today
Open an accountOpen in minutes – No conditions – No commitment
« Managing money shouldn’t be complicated. Traditional bank accounts make it that way. »
We’ve gotten used to complicated banking apps. To not really knowing where our money goes. We started thinking that was normal.
First with traditional banks, because that was the norm. Then with neobanks and fintechs — faster, but eventually just as complex.
Too many options. Too much jargon. Too many promises around investing, performance, crypto.
As if managing your money inevitably had to become a subject for experts and technicians. But it doesn’t.
Most of the time, you just want to know what you have, what you can save and what you can spend. Stay in control, without spending hours on it.
Understand simply. Decide with peace of mind.
Too many options. Too much jargon. Too many promises around investing, performance, crypto.
As if managing your money inevitably had to become a subject for experts and technicians. But it doesn’t.
Most of the time, you just want to know what you have, what you can save and what you can spend. Stay in control, without spending hours on it.
Understand simply. Decide with peace of mind.
A good bank account should be enough for that. And that’s exactly Sumeria’s promise.
Frequently asked questions
Sumeria was created in 2024 by the same innovative French company that built the well-known payment app Lydia. Having simplified payments, it now wants to do the same for bank accounts.
Learn moreIn its basic version, which lets you receive and spend several thousand euros per month, Sumeria is free (provided you make at least one eligible transaction every two months). The card is also free. Paid plans exist for those who want more.
Learn moreSumeria is a serious French service that has been licensed and regulated in France for many years. Millions of customers already use it, and each benefits from deposit protection through the Deposit Guarantee Fund (Fonds de Garantie des Dépôts) up to €100,000. As a technology company, Sumeria runs on a modern system and organisation that allows it to use and offer the latest-generation tools, which are often considered more reactive and more secure.
Its biggest advantage is probably its efficiency — thanks to its speed, while remaining very easy to use. Real-time updates on accounts and payments allow for clearer tracking of personal finances, which is often not the case with traditional banks. Its two exclusive selling points, even compared to online banks, are: – interest on current accounts – the ability to organise and spend money across as many sub-accounts as needed for better budgeting and spending insight.
Money held in Sumeria current accounts does earn 2% during the first 3 months. This interest then continues at 1%.
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