Prismea (Closed) is a French neobank offering a Business account with a debit card, managed from an iPhone or Android application. Residents of France can open a mobile bank account through Prismea (Closed). It is a digital banking service offered mainly through a mobile application and a neobank.

Prismea was a French neobank founded in 2019 focused on offering digital banking services to small and medium-sized enterprises (SMEs) including self-employed workers, freelancers and entrepreneurs.  The company was an internal startup fully owned by Crédit du Nord, a subsidiary of Société Générale. 

Services offered

Prismea offers a range of services tailored to business needs, such as:

Digital account opening

A digital, fully simplified account opening process which enables businesses to open accounts in approximately 10 minutes via the mobile app. 

Payment cards

Virtual and physical Mastercard cards are available for business transactions. 

Account aggregation

 A multi-brand account aggregation service for managing users’ multiple accounts in the app. 

Cash management tools

Features to help businesses with financial planning through budget forecasting and cash flow management. 

Instant credit offers

Instant credit through the development of options to fund cash flow needs on an anticipated basis with decision times of about 10 minutes and funds typically available within 48 hours. 

As of January 2025 however, Prismea has shut down operations.  The official website, [prismea.com](https:(prismea.com) is now redirected from a company focusing on bioinformatics and cloud infrastructure services, that has nothing to do with the neobank. 

Businesses looking for the same digital banking services in France will still be able to use Qonto and Spendesk as it offers a complete set of financial products for SMEs and freelancers. 

Here’s a comprehensive guide to getting started with Prismea neobank:

Downloading the app

Looking for iOS, visit the App Store and for Android, visit the Google Play Store on your mobile device. You can search for “Prismea” and download the official Prismea neobank app.

Creating an account

Open the Prismea app once it’s downloaded. Find the on-screen instructions to sign up for a new account. This may sometimes mean you need to provide personal information including full name, date of birth, email address and mobile phone number. Create a safe password for your account.

Verification process

Using the app instructions, verify your identity. Usually, you can just upload a photo of your ID (passport, driver’s license, etc.) and take a selfie for facial recognition.

Account features

Explore the various features offered by Prismea, which typically include:

• Digital Wallet: Track your spending, manage your money and pay for things.
• Virtual and Physical Cards: You can order virtual or physical debit cards that are used for online or store payments.
• Mobile Banking: The mobile app allows you access to your account anytime, anywhere.
• Money Transfers: It lets you send money to people both domestically or internationally.
• Budgeting Tools: Budgets can be set, expenses can be categorized and you get insights into the way you spend.

Security

Prismea cares about security. Ensure you:

• A strong, unique password must be set up on your account.
• Enable two-factor authentication (if it is available).
• To stay protected you should update your app to the latest version so you gain access to security patches.

Customer support

In case you encounter any issues with your account or transactions you should also familiarize yourself with how to contact customer support for assistance.

Additional services

After you’ve looked at what’s on Prismea’s app, you can check to see if it has other services like a savings account, investment options, or rewards programs and how you access them via the app.

Fees

Learn about fees on transactions, international payments, card issuance and other services offered by Prismea.

Feedback and updates

Give feedback through the app to assist Prismea in enhancing its services.

Update about terms of service, features and security updates.

Exploring benefits

Check out any special benefits or promotions for new Prismea users or frequent users of Prismea. However, if you’re interested in managing your finances with a neobanking platform like Prismea can help you do that.

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