Anytime Anytime Start
A plan byAnytime
A French business neobank (owned by Crédit Coopératif since 2026) with an agent model — payments via Treezor (ACPR) and e-money via PPS EU SA (National Bank of Belgium) — and French and Belgian IBANs, aimed at SMEs in France and Belgium, with a 4.0/5 Trustpilot rating. FX depends on the card (1.80% Classic) and the focus stays geographically limited to France and Belgium.
Anytime Start
- Price
- €10
- Issuance fee
- Free
- FX markup
- 1.8%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Required staking
- Nessuno
- ATM limit
- €1,000/giorno
- Net annual cost
- €114
What's included
- Free Banking
- 2 carte
- Multi-utente
Data & conditions
| Account fee | €10 |
|---|---|
| IBAN | dedicato · FR, BE |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | No |
| SEPA direct debit (SDD) | Yes |
| On-chain crypto withdrawal | No |
| SEPA transfer | €0 |
| Interest on balance | 0% |
| ATM withdrawal | not declared |
| Free ATM limit | €1,000/giorno |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA · 5+ countries |
| Regulator | ACPR (Francia) + Banca Nazionale del Belgio |
| OAM Italy registration | No |
| Segment | B2B |
| MiCA / License status | Agente di Treezor (Payment Institution, ACPR — Francia)Agente di PPS EU SA (Electronic Money Institution, Banca Nazionale del Belgio) Modello ad agente: conti/pagamenti via Treezor (Payment Institution ACPR, Francia) e e-money via PPS EU SA (EMI, Banca Nazionale del Belgio). Anytime non detiene una licenza EMI propria. |
Strengths
- Agent of Treezor (ACPR) + PPS EU SA (NBB); FR+BE IBANs; Trustpilot 4.0/5; ideal for France/Belgium SMEs.
- No notable sovereignty advantage documented.
Weaknesses
- FX up to 1.80% (Classic); France/Belgium focus; not available in Italy.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Modello ad agente: conti/pagamenti via Treezor (Payment Institution ACPR, Francia) e e-money via PPS EU SA (EMI, Banca Nazionale del Belgio). Anytime non detiene una licenza EMI propria.): reporting to authorities and freezes on order.
Verdict
The agent model (Treezor under the ACPR and PPS EU SA e-money under the National Bank of Belgium) with French and Belgian IBANs provides a solid regulatory base, reinforced since 2026 by Crédit Coopératif (BPCE group) ownership; a 4.0/5 Trustpilot confirms a reliable service for SMEs in France and Belgium. Holding the rating back are the narrow geographic focus on those two countries and an uncompetitive FX of up to 1.80%: good within its catchment, less so outside.
Of little relevance here: a custodial account with full KYC and ACPR/National Bank of Belgium oversight, built for SME compliance, not autonomy. No self-custody or real privacy; the regulatory solidity that rewards it under Tutela doesn't move the needle on this lens.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is Anytime a real bank?
Anytime is not a bank: it operates as an agent of Treezor (ACPR) and PPS EU SA (National Bank of Belgium). Funds are safeguarded, with no deposit guarantee.
Can I send transfers to third-party IBANs with Anytime?
Yes, Anytime allows SEPA transfers to third-party IBANs (with free-transaction allowances depending on the plan).
Does Anytime support direct debits and utility billing?
SEPA direct debit (prélèvements): supported. Utility-bill domiciliation: not documented.
Which fiat currencies does Anytime support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Anytime?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Plans & pricing · Regulatory framework · OAM Italy registry · Stock ticker · +2 Data verified on Jun 15, 2026
- credit-cooperatif.coop Data verified on Jul 16, 2026
- finance-heros.fr SEPA fee · Regulator · Plans & pricing Data verified on Jul 16, 2026
- moneyvox.fr Plans & pricing · Bonifico iban terzo · Sdd addebito diretto · Fx Data verified on Jul 16, 2026
Show 5 more sources
- fintechcompass.net Plans & pricing · Multi-currency · Savings interest · On-chain crypto withdrawals · +2 Data verified on Jun 15, 2026
- support.anyti.me Data verified on Jun 15, 2026
- orange.com Issuer Data verified on Jun 14, 2026
- trustpilot.com Trust & safety Data verified on Jun 14, 2026
- siliconcanals.com Founders · Deposit guarantee Data verified on Jun 13, 2026