Anytime Anytime Start
A plan byAnytime
A business neobank with dual ACPR and FCA licensing and French and Belgian IBANs, aimed at SMEs in France and Belgium, with a 4.0/5 Trustpilot rating. FX is 1.80%, the focus stays geographically limited to France and Belgium, and the Basic plan offers reduced features.
Anytime Start
- Price
- €10
- Issuance fee
- Free
- FX markup
- 1.8%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Cashback cap
- Free
- 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 |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | No |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| On-chain crypto withdrawal | No |
| SEPA transfer | €0 |
| Interest on balance | 0% |
| ATM withdrawal | Free |
| Free ATM limit | €1,000/giorno |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA · 5+ countries |
| Regulator | ACPR |
| OAM Italy registration | No |
| Segment | B2B |
| MiCA / License status | EMI ACPR (France) + FCA (UK) |
Strengths
- ACPR+FCA doppia license; IBAN FR+BE; Trustpilot 4,0/5; ideal PME France/Belgique.
- No notable sovereignty advantage documented.
Weaknesses
- FX 1,80%; focus France/Belgio; piano Basic limited.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (ACPR (France) + FCA (UK)): reporting to authorities and freezes on order.
Verdict
Dual ACPR and FCA licensing with French and Belgian IBANs provides a solid regulatory base, and 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, an uncompetitive 1.80% FX and a feature-thin Basic plan: good within its catchment, less so outside.
Of little relevance here: a custodial account with full KYC and dual ACPR/FCA 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 operates under a EMI licence. Fund protection: Safeguarding — nessuna garanzia depositi.
Can I send transfers to third-party IBANs with Anytime?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Anytime support direct debits and utility billing?
SEPA direct debit (SDD): not documented. 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
- finance-heros.fr SEPA fee Data verified on Jun 15, 2026
- fintechcompass.net Plans & pricing · Multi-currency · Savings interest · On-chain crypto withdrawals · +2 Data verified on Jun 15, 2026
- support.anyti.me Fee swift eur (SWIFT non supportato — virements SWIFT rejetés) Data verified on Jun 15, 2026
Show 3 more sources
- 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