Anytime

Anytime is a professional account platform that has served French entrepreneurs since 2013, but it is important to understand upfront that Anytime is not a bank. The account is operated as an agent of Treezor, which is a payment institution regulated by the Banque de France. This regulatory distinction is crucial because it affects deposit protection: unlike deposits at licensed banks, funds in an Anytime account are not covered by the French FGDR deposit guarantee scheme. Instead, Anytime's client funds are safeguarded, meaning they are held in a segregated account and protected against loss if Treezor encounters financial difficulty. The safeguard protection reaches 100,000 euros, which is equivalent to the FGDR limit in amount, but the mechanism and regulatory framework are different.

For entrepreneurs who understand this distinction and are comfortable with a payment-institution-based account, Anytime offers affordable professional banking with five tiered subscription plans and flexible features. The Solo plan costs 9 euros and 50 cents per month excluding tax and is designed for self-employed individuals and micro-entrepreneurs. The Professionnel plan, available at 99 euros per month excluding tax, suits slightly larger operations with more complex payment needs. Moving up, Anytime offers three additional tiers at 149 euros, 199 euros, and 249 euros per month excluding tax, each adding more features and transaction capacity for businesses that grow or have higher payment volumes.

Each tier includes different features and limits. The Solo plan provides basic account management and one payment card. Higher tiers add more card capacity, higher transaction limits, invoice generation tools, and more advanced accounting integration. The Professionnel and higher tiers also include integration with accountant software, which matters if you work with an external accountant and want your account data to flow automatically into their systems. This integration can save time on bookkeeping and ensure that your accounting is always up to date.

Anytime's account opening process is entirely digital. You apply online, provide identification and business registration documents, and the account typically opens within hours or a single business day. This speed appeals to entrepreneurs who want to start operating and accepting payments quickly. Once your account is active, you can immediately start issuing invoices, sending payment links to customers, and accepting bank transfers.

The Anytime platform emphasizes integration with business tools and accounting software. The invoicing features allow you to create and send invoices directly from the Anytime app or website, and the platform can automatically match incoming payments to invoices. The accounting integrations mean that your transaction data can flow into software like Sage, Xero, or other common accounting platforms, reducing the manual data entry that traditional banking often requires. This automation appeals to solo operators and small business owners who want to minimize administrative busywork.

An important point about Anytime's payment-institution status is that it means the account cannot hold your capital deposit for setting up a new corporate structure. If you are incorporating a SASU, SARL, SAS, or similar entity, you need to open a professional account at a licensed bank to receive your capital deposit and obtain the mandatory attestation certificate. You could use a traditional bank for that step and then move your ongoing banking to Anytime once your company is registered, but the capital deposit requirement means you cannot accomplish company setup using only Anytime.

Anytime is operated by Treezor, a payment institution registered with the Banque de France's ACPR. Treezor is not a bank and does not hold a banking license, but it is a regulated payment institution subject to oversight by the ACPR and the European Central Bank's Single Rulebook. Treezor's business model is to provide the payment infrastructure and account-holding services, and Anytime functions as the customer-facing front end. This structure means that your funds are held by Treezor and safeguarded separately from Treezor's own capital. If Treezor encountered financial difficulty, the safeguarded funds would be protected and returned to customers. The safeguard protection reaches 100,000 euros per customer, equivalent in amount to the FGDR limit, though the mechanism is different.

The distinction between FGDR deposit guarantee and safeguarded funds sometimes confuses business owners. Both offer protection up to 100,000 euros, and both would protect your funds if the institution failed. The FGDR is a French government-backed guarantee scheme, meaning if a bank failed, the government agency would compensate you. Safeguarded funds are held separately by the payment institution and are protected contractually; if the payment institution failed, the funds would be returned to you because they never belonged to the payment institution in the first place. In practical terms, the difference matters mainly if you are concerned about the specific mechanism of protection, but the actual protection amount is the same.

Anytime's strength lies in its affordability and simplicity. The Solo plan at 9 euros and 50 cents per month excluding tax makes it one of the lowest-cost professional account options, especially when you factor in that it includes one payment card with no separate card fees. For freelancers, craftspeople, and solo operators on a tight budget, this pricing is very competitive. The digital-first platform appeals to entrepreneurs who are comfortable managing their banking entirely through an app or website and do not need in-person branch access.

Anytime is particularly popular with French digital entrepreneurs, online service providers, freelancers in tech and creative fields, and businesses with electronic payment flows. The platform's strength is serving solo operators and very small teams that want affordable professional banking without the overhead and costs of traditional bank account setup. The invoicing and accounting integration features mean that business administration is streamlined compared to traditional banking where you receive statements and have to reconcile them manually against your invoice records.

For business owners with higher transaction volumes or who need sophisticated treasury management, Anytime's tiered approach allows you to scale up to a Professionnel or higher tier that provides more capacity and advanced features. The higher-tier plans remain more affordable than many traditional bank professional accounts, making Anytime an option worth considering if cost is a concern.

The key limitation is that Anytime is not a bank, so it lacks access to traditional banking services like business lending, and it cannot hold capital deposits for company formation. If your business plans include needing a business loan or credit line, you would need to establish a relationship with a traditional bank separately. For many solo operators and small businesses that operate profitably on cash flow and do not need external financing, this is not a concern.

Anytime suits entrepreneurs who want the simplest, most affordable professional account and are comfortable with a payment-institution platform rather than a traditional bank. It is an excellent choice for freelancers, online service providers, and solo craftspeople who need to issue invoices, accept payments, and maintain business accounting without expensive banking. For any business that needs to set up a corporate structure, needs access to business lending, or requires in-person banking services, a traditional bank is necessary, though you can always use Anytime as a secondary account for day-to-day operations once your company is registered.