BILnet vs Shine

BILnet: simple, fast, and easy to use. You can perform all of your essential transactions on your mobile! Manage, group, and rename your accounts independently - View your account and credit card balances and transactions in real time - Log in as the account holder or an agent - When you log in to BILnet as an agent, your accounts are now grouped. Tip: to make organising your accounts easier, feel free to rename your accounts and/or change the order in which they are displayed. Free instant payments, made in a few seconds and in just a few clicks! - Your eligible SEPA (single euro payment area) payments are now made instantly, within a few seconds, 24/7, and for free! * - If your instant payment cannot be made, for example if the receiving bank does not accept instant payments, then your payment will be treated as a standard transfer under the relevant time frame. The interface for your transfers and standing orders has been tweaked - Extra fields are now provided when entering details about the beneficiaries of your transfers. From your computer you can set up a standing order directly from the transfer entry screen. Just tick the “Make this a standing order” box. Tip: to avoid making a mistake when you enter your new beneficiary’s IBAN, you can copy/paste it straight into the appropriate field. Better loan management - Your mortgages and your personal, student and investment loans appear in the dedicated “Loan” section of BILnet. These loans now take the form of a contract rather than an account on which movements are recorded. - You can now find additional information about your loans in BILnet, including: o type of loan o amount borrowed/used o current interest rate o next due dates o capital outstanding Find all your electronic documents easily - Download your banking documents in PDF format - Take advantage of the free and environmentally friendly paper-free option so that you no longer receive your documents by post - Sign your documents electronically - All electronic documents are now sorted by date Contact us whenever you need to - Communicate with the bank using secure messaging and share any attachments required Don’t have an account yet? Visit bil.com for more information. The app is available in three languages (FR, DE, EN). *For more information about our tariffs, visit bil.com

The professional account that simplifies the daily life of companies and freelancers. Shine offers a responsible, 100% online pro account, a true administrative and banking co-pilot for businesses, VSEs, SMEs, startups, freelancers, professionals and artisans. Thanks to Shine, 100.000 businesses, professionals and freelancers enjoy a simplified banking experience and can focus on what really matters: their success. "The administrative survival kit for entrepreneurs and freelancers" - FORBES "Simple, transparent pricing that contrasts with traditional institutions." - LE FIGARO 1) THE PRO ACCOUNT THAT SIMPLIFIES YOUR DAILY LIFE - Only takes 5 minutes to open - French RIB - Experts available 7 days a week to answer all your questions - Mastercard World Debit card accepted everywhere - Apple Pay compatible - Virtual cards to secure your payments on the internet - Unlimited history - Transfers & direct debits - Real time notifications - 100% customizable - Access on mobile, tablet and computer 2) SIMPLY INVOICE AND BILL YOUR CUSTOMERS - Professional and compliant invoices - Create an invoice in a few clicks - Send and follow-up your invoices in the app - Simplified encashment, by card or bank transfer - Automatic reminders possible if your customers are late in paying you 3) A COMPLETE SOLUTION TO LAUNCH YOUR BUSINESS - Quick and easy company creation - For French companies and micro-enterprises, SASU, SAS, EURL, SARL, SA, SCI... - 100% online capital deposit in 72 hours Shine has received the B Corp certification. This label recognizes its social and environmental commitment. Shine also donates 1% of its turnover to environmental associations, chosen by its customers and employees, as part of the "1% for the planet" movement. --- CREATE YOUR SHINE ACCOUNT NOW No commitment - 1st month free 1) Download the application 2) Create your account: all you need is an ID 3) Your pro account is opened within 48 hours For a company creation, Shine creates and sends your file to the State Administration within 3 working days. Need more information? Go to www.shine.fr Do you have a question? All our team is at your disposal, just reach out to us at promis_on_repond@shine.fr Shine, a company registered with the RCS of Paris under number 828 701 557, operating under the trade name Shine, approved by the Autorité de Contrôle Prudentiel et de Résolution as a payment institution under number 71758, registered at 122 rue Amelot, 75011 Paris.