Sumeria

Sumeria is a free online bank account designed to help users track spending, organize a budget and manage everyday money. The app structures finances through budget accounts with envelopes, project accounts for savings goals, and expense categorization with spending limits. It does not offer overdraft, cheques, credit or split payments. Current accounts earn interest, calculated daily and paid monthly, at 2% for the first three months and 1% thereafter, subject to conditions.

Features include virtual bank cards, a single physical card for all accounts, an IBAN secured as "one-way," and a temporary secure card. An AI-powered financial assistant is available in writing and by voice, offering personalized guidance and performing actions within the app. Sumeria+ adds project accounts with savings targets, rounding up to the next euro, and automatic monthly transfers into budget envelopes, plus access to a personal finance expert. Foreign transactions carry no fees.

Sumeria is aimed at individuals seeking a straightforward account for receiving income and covering daily expenses. The Basique edition provides an account and card with no monthly fee, though certain fees and limits apply, including card delivery. Paid editions named Standard and Noire offer additional benefits with their own commitment periods. Sumeria+ is a separate paid option for personal finance management. Account opening takes about five minutes with no income conditions or commitment. Services are operated by Lydia Solutions, an electronic money institution supervised in France by the ACPR, with deposit protection up to €100,000 per client per institution under applicable conditions.