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Sumeria review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Sumeria pairs a French current account with an investing app in the same place, and it suits beginners who want everyday banking plus a first portfolio handled together. The trade-off is the return: a variable headline rate of 1% to 2% leaves savers chasing balance elsewhere.

Key facts

Best for
A free French current account with a linked investing app and easy access to cash.
Headline rate
1% to 2%↗
Rate type
Variable↗
Minimum deposit
€1↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
No commitment, instant access to a French IBAN; Basic offer: up to 2,000 EUR payments and withdrawals per month, 3 free ATM withdrawals per month, card free↗
Monthly fee
€0↗
Account kind
Easy access↗
Regulators
ACPR↗
Legal entity
Lydia Solutions↗
Headquarters
France↗
Founded
2011↗
Support channels
Email, Help-centre, Phone, Chat↗
Pricing model
No monthly fee
Official website
sumeria.eu

Brokers

Stock trade fee
€0↗
Account fee
€0↗
Markets
Stocks, ETFs, Crypto, Metals, CFDs↗
Investor protection
EU ICS up to EUR 20,000↗
Currency conversion fee
0%↗
Interest on cash
1%↗
Features
Virtual card, Travel
Audience
Beginners

Debit cards

Free ATM withdrawals
€250↗
Card type
Debit↗
Card network
Visa↗

Credit cards

Annual fee
€0↗
Rewards type
None↗

Crypto exchanges

Fiat deposit methods
Bank, SEPA↗
Derivatives
Yes↗
Exchange type
Cex↗

Facts checked September 26, 2026, 11 sources

Apps and profiles

Elsewhere
Trustpilot

Pros and cons

Pros

  • Easy access by design: no commitment, an instant French IBAN, and monthly caps on payments and withdrawals on the Basic offer.
  • Card use is well covered: €250 of free ATM withdrawals each month, a free debit card on visa, and virtual card and travel listed among the features.
  • Investing from a standing start: stocks, etfs and crypto, a minimum deposit of €1 and a stock trade fee of €0.

Cons

  • Interest is the weak point: bunq pays 3.01% and Wise 3.29%, above the 1% to 2% on offer here.
  • Derivatives are offered alongside stocks, etfs and crypto, and retail accounts lose money at 70.15% across the accounts compared here.
  • The rewards type is none, so there is no cashback on everyday card spend.

Ready to try Sumeria?

Scored 8.9 / 10 by SumCue.

See alternatives

Who it suits

  • Beginners, the audience Sumeria names, who want a bank account and a first portfolio in the same app.
  • Euro-based households who want no commitment, instant access and a free card.
  • People who mostly spend in euros and want cash withdrawals covered each month.

Who should look elsewhere

  • Anyone who needs a locked return, since the rate type is variable and the rate of 1% to 2% can move.
  • Savers after the highest return on the table: Finteres shows 0% to 36% on its headline rate.
  • Anyone needing their cash in more than a single market, since the account is based in France and issues a French IBAN.

Deposit protection

Cash deposits are covered by EU DGS up to EUR 100,000. Sumeria is an e-money institution authorised to issue payment services, licensed in France by CIB 17598 (REGAFI 62677). Investments are a different matter: Sumeria acts as an agent of an investment service provider, registered as 18 007 465, and that side carries EU ICS up to EUR 20,000.

Rates and card terms

The headline rate is 1% to 2% and it is variable, so the return can move rather than being locked. Cash interest is paid at 1%. The linked debit card runs on visa with an annual fee of €0, and the Basic offer adds a set number of free ATM withdrawals each month alongside caps on payments and withdrawals.

How Sumeria compares

Where Sumeria is available

Available
Belgium, France
Licence in France
ACPR (Autorite de Controle Prudentiel et de Resolution) - e-money institution authorised to issue payment services (CIB 17598 (REGAFI 62677)), checked September 26, 2026
Licence in France
ORIAS (agent of investment service provider Bitpanda Financial Services GmbH) (18 007 465), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to keep a Sumeria account open?+

The current account is free to run: the account fee is €0 and the monthly fee is €0. The linked card carries an annual fee of €0, and there is no currency conversion charge at 0%. The Basic offer also sets a monthly cap on payments and withdrawals, so heavier spending can move you onto a higher tier.

How much interest do I earn on the balance?+

The headline rate is 1% to 2% and it is variable, so it can move rather than being fixed for a term. Cash interest is credited at 1%. That sits under the savings median of 3% across the accounts compared here, which matters if the balance is your main savings pot.

Is my money protected if something goes wrong?+

Cash deposits are covered by EU DGS up to EUR 100,000. Sumeria is licensed as an e-money institution authorised to issue payment services, CIB 17598 (REGAFI 62677). Investments sit under a separate arrangement, with Sumeria acting as an agent of an investment service provider, 18 007 465, and EU ICS up to EUR 20,000 applies to that side.

How do I put money in and take it out?+

Funding options cover bank and sepa, so a bank transfer or a SEPA payment gets money in. There is no commitment, and access to the French IBAN is instant. The Basic offer caps monthly payments and withdrawals, so larger transfers need checking against the tier you are on.

What does the card cost at ATMs and abroad?+

The linked card is a debit card on visa and it comes free with the Basic offer, which includes €250 of free ATM withdrawals each month. There is no currency conversion fee, 0%, and virtual card and travel are listed among the card features.

What can I invest in, and how much do I need to start?+

The investment side covers stocks, etfs and crypto. The minimum deposit is €1 and the stock trade fee is €0, which makes small first purchases practical. Crypto is handled as a central exchange arrangement, and derivatives are offered, so leveraged products sit alongside the shares and ETFs.

How do I get help if something goes wrong?+

Support runs on email, help centre and phone, so you can reach the team by phone, by email, by live chat or through the help centre. That mix of direct and self-service contact suits people who prefer to sort a payment query without leaving the app.

Sources

Compiled from 11 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term.

Sumeria

A free French current account with a linked investing app and easy access to cash.

8.9/10See alternatives