Anytime Neobank provides banking services to individuals, professionals, businesses, and associations. Its headquarters are in Belgium and France. Their service is intended to replace your present bank account or work in conjunction with having licenses from the FCA (Bank of England) and the ACPR (Bank of France).

Although the business first focused on providing accounts for teenagers as well as repayments and payments between friends, the neobank now markets itself as a digital bank that provides both business and personal accounts.

The company initially catered to youths with its products before soon shifting its attention to companies. 

They were inspired by neobanks in the US to create their entirely digital account, which is currently gaining popularity in France and the rest of Europe. It is supported by Orange Bank, a French bank held equally by the national bank Grouporama and the telecom company Orange.

Anytime was created as a complement to your current bank accounts or as an alternative to large banks. With a French or Belgian IBAN, you can open both personal and business accounts.

Anytime has more than 100,000 users, including sole proprietors, startups, associations, small businesses, and medium-sized enterprises.

Pros

• Easy to open an account
• For freelancers and businesses
• Company creation
• Tailored accounts
• Backed by big players
• French or Belgian IBAN
• SumUp POS terminal

Cons

• Too many charges
• Major accounting software not supported

Fees

• Monthly fee
• Transfers of a different currency 0.70 percent +€2.50 – 1.65 percent +€3.50
• ATM withdrawals incur a €10 activation fee.
• € ATM withdrawals up to €2
• +/- many other fees

How to open a Neobank account

Personal and business accounts can be opened

Personal account

The following are required to create a personal Anytime account:

• Both sides of an ID in color
• A photograph of you holding your ID alongside your face
• A proof of residence for at least three months that includes your name and address

Business account

Anytime makes it simple to register a business account online simply supplying some fundamental data. The account may only be requested by organizations with EU registrations. Users simply require the following to open an account:

• A valid form of ID
• Proof of address in the EU
• Their company’s registered name
• Their shareholders’ ID

Duration

Anytime takes between 24 and 48 hours to approve the information and activate the business account after all the information has been entered, after which your Anytime cards will be mailed.

How to add funds to the account

• Bank transfer (1-4 working days)
• Transfer with a remote payment link
• CB with a personal Visa or Mastercard (2 min.)
• CB with a link for remote payments (2 minutes)
• Cheque (4 weeks)

Your Anytime account can be funded in a variety of ways, which makes it as simple as depositing money into a conventional bank account. SEPA Payments, transfers from another Anytime account, sending a check, and tapping up with a debit or credit card are all ways to contribute money.

Anytime offers a terminal at a discounted price and is also compatible with SumUp payment terminals. Customers can use this terminal to pay you using cards and deposit the money right into your business account.

Anytime app

Customers can see exactly how much money is in their company account and have access to tools for managing budgets thanks to the Anytime mobile app, which prioritizes business finances in the user experience.

The software has many features that are intended to make managing and understanding corporate finances more comfortable. The user has access to as many virtual MasterCards as are required to manage budgets and can select between a French IBAN or a Belgian IBAN.

With the help of the app, setting up direct debits for bills and payments as well as obtaining direct debits from clients is made simple. To make paying employees as simple as possible, the program now enables uploading CSV or XML files.

Anytime has automated functionality for calculating VAT and dematerializing receipts, and it’s simple to link with external accounting software. Every component of the software aids in streamlining and optimizing business finances, allowing users to spend more time expanding their businesses and less time managing their accounts.