Revolut Business vs Shine: Complete Comparison (2026)
An in-depth comparison of Revolut Business and Shine to help you choose the right tool for your business.
Last updated: November 2026
Revolut Business
6.4/10
Revolut Business is a multi-currency business account. It includes team cards, invoicing and payment links, an optional expenses add-on and accounting integrations, and serves UK, EEA and US companies.
Shine
6.1/10
French online business account for freelancers and small companies, with Mastercard cards, built-in invoicing, receipt capture and accounting exports.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 6.1/10 |
| Analytics | 5/10 | 4/10 |
| Compliance | 6/10 | 6/10 |
| Cost | 6/10 | 7/10 |
| Customization | 6/10 | 4/10 |
| Ease of Use | 8/10 | 8/10 |
| Integration | 7/10 | 6/10 |
| Scalability | 7/10 | 4/10 |
| Security | 7/10 | 6/10 |
| Support | 4/10 | 7/10 |
| Pricing | ||
| Free plan | No | Yes |
| Cheapest paid plan | £10/mo Basic | Contact for pricing |
| Estimated cost for 10 users | £10/mo Basic | Free Free |
| Features | ||
| Corporate Cards | ||
| Expense Management | ||
| Invoicing | ||
| Online Payments | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| General Ledger | Not listed | |
| Multi-currency | Not listed | |
| Payroll | Not listed | |
Revolut Business vs Shine cost by team size
| Team size | Revolut Business | Shine |
|---|---|---|
| 1 user | £10/moBasic | FreeFree |
| 5 users | £10/moBasic | FreeFree |
| 10 users | £10/moBasic | FreeFree |
| 25 users | £10/moBasic | FreeFree |
| 50 users | £10/moBasic | FreeFree |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Revolut Business
- Higher Scalability score (7/10 vs 4/10)
- Higher Customization score (6/10 vs 4/10)
- Better fit for startups (8/10 vs 6/10)
Why choose Shine
- Has a free plan (Revolut Business does not)
- Higher Support score (7/10 vs 4/10)
- Higher Cost score (7/10 vs 6/10)
- Better fit for freelancers (9/10 vs 4/10)
Pros & Cons
Revolut Business
Pros
- The monthly FX allowance at the interbank rate (up to 60,000 pounds on Scale) and more than 25 currency sub-accounts suit firms that pay suppliers abroad.
- Every plan includes card controls, and each team member can have up to 50 virtual cards.
- Xero, QuickBooks, Sage and FreeAgent connect on every plan, and more than 45 accounting tools are listed.
- From Grow up there is a Business API and bulk payments for automating payouts.
- In-app chat support is available 24/7 on all plans.
Cons
- There is no phone support, and a dedicated account manager is only offered on Enterprise.
- Charges add up past the allowances: 0.6% on FX overage, 1% outside market hours and 2% on cash withdrawals.
- There are no cash or cheque deposits, overdrafts, or inbound Direct Debits.
- Some users report accounts being frozen or restricted during compliance reviews.
- Expenses and Payroll cost extra per user on top of the plan fee.
Shine
Pros
- A real free plan that includes unlimited quotes and invoices with automatic reminders
- Cash deposits through tobacconists, which few online business accounts offer
- Strong Trustpilot ratings of about 4.6 to 4.7 out of 5 across thousands of reviews, and an in-house support team based in France
- Paid plans have a 30-day trial and no commitment
Cons
- As a payment institution it offers no overdraft, loans or interest-bearing account
- Higher fees than some rivals on non-euro card payments and international transfers
- No phone support on the Free plan, and reviewers report accounts blocked without warning
- Garnishment processing fees of 10 percent, capped at 100 EUR, criticised as poorly signposted
Not sold on either?
Frequently Asked Questions
Revolut Business scores higher on our Finance Software criteria: 6.4/10 against 6.1/10 for Shine. The largest gap is in Scalability: 7/10 for Revolut Business and 4/10 for Shine.
Shine has a free plan; Revolut Business does not list one.
Shine is the better fit for freelancers: we rate it 9/10 for them, against 4/10 for Revolut Business.
