Noelse — Phone number and contact

Noelse Key Facts

• Customer service phone: Not available — contact via the official website
• Service hours: Monday-Friday, 9am-6pm
• Languages: French, English, Spanish
• Contact methods: Phone, Email, Mobile App, Live Chat

About Noelse

Context and History of Noelse: From Telecommunications to Payment Services

Noelse neobank is a major French fintech player whose history dates back to 1997. Founded by Philip Fournier and Eric Durand-Gasselin under the name Afone, the company first built its reputation in the telecommunications sector before pivoting to financial services. Noelse's headquarters are located in Angers, France, and the company now operates exclusively in electronic payment and digital banking services. For any questions, it is possible to contact Noelse by phone via the channels indicated in the application, as the neobank favors a digitized and efficient contact approach.

The adventure begins in 1997 when Philip Fournier and Eric Durand-Gasselin create Afone with a focus on enterprise telecommunications. Two years later, in 1999, the company obtains its telecoms service operator license, enabling it to expand rapidly in the French market. In 2001, Afone is listed on the Paris Stock Exchange, marking an important milestone in the group's growth. This stock market listing allows the company to raise funds to finance its diversification and expansion.

The shift toward card payments comes in 2004, with the acquisition of the company Carte et Services, renamed Afone Monetics. This strategic acquisition lays the foundations for what would become Noelse Pay. The following year, in 2005, the group further diversified its activities by launching a remote surveillance offering through the acquisition of Blokos. In 2007, Afone entered the mobile telephony market as an MVNO (Mobile Virtual Network Operator) through its subsidiary Afone Participations, distributing its offers in E.Leclerc stores under the Réglo Mobile brand.

The year 2011 marks a decisive turning point: Afone launches its electronic payment activity by obtaining payment institution status accredited by the ACPR (Autorité de Contrôle Prudentiel et de Résolution). The subsidiary Afone Paiement was created on this occasion. In 2013, the group launched ComNpay, a secure online payment solution for merchants. In 2016, the Afone group's consolidated revenue reached 50.64 million euros, confirming the company's solidity.

The group's transformation accelerated from 2018 onwards. Afone sold its remote surveillance business Afone Sécurité to the Norwegian group Sector Alarm. In January 2020, the Afone stock was delisted from Euronext following a public tender offer. On May 18, 2021, Altice France announced the acquisition of the subsidiary Afone Participations, representing nearly 270 employees and 40 million euros in annual revenue. Philip Fournier retained the electronic payment business, which included approximately 180 employees, and unveiled a new online banking brand called Noelse.

In February 2022, Afone Paiement officially became Noelse Pay. The parent company is now Noelse SA, domiciled in Luxembourg, while Noelse France SAS manages daily operations from Angers. Ownership remains family-held: the Fournier family holds approximately 63.9% of shares and the Durand-Gasselin family approximately 17.7%, guaranteeing long-term strategic stability. The Noelse phone is not a standard public number: contact is primarily made via the Noelse application or by email at support@noelse.com.

Noelse entered the consumer market in June 2021, before completing its range with an offering dedicated to professionals. The stated ambition is to position itself halfway between online banking and traditional banking, offering a solution that is both mobile and human. The neobank aims to be transparent, fair, and responsible, with a strong promise: zero hidden fees. This philosophy is reflected in the brand's slogan, which presents itself as "the banking alternative that gives power back to its customers."

The market targeted by Noelse is primarily individuals and professionals in France, with a particular emphasis on self-employed workers, micro-entrepreneurs, and small businesses. The company also targets people excluded from the traditional banking system, as Noelse account opening is accessible even to those with banking bans and people in over-indebtedness situations. This is a strong social positioning that differentiates Noelse from many competitors.

Noelse Offers and Pricing: Plans Adapted to Every Profile

Noelse's offering is structured into two main categories: accounts for individuals and accounts for professionals. Each category offers several service levels with progressive pricing. The pricing schedule is available on the official website noelse.com, in a spirit of transparency championed by the brand. Noelse prices are among the most readable in the French neobank market.

Noelse fees are presented clearly and in detail. There are no hidden fees, and every paid service is explicitly mentioned in the pricing schedule. Here is a detailed breakdown of the available offers for individuals and professionals.

Offers for Individuals

Noelse offers three plans for individuals, allowing everyone to find an offer suited to their needs and budget:

• Noelse Eco — 2 € per month: This entry-level plan includes a euro payment account, a French IBAN, a Classic digital payment card, unlimited history of all transactions, unlimited and instant transfers to another Noelse user, unlimited incoming transfers, real-time balance, and mobile payment via Noelse Pay. The account is open to everyone, including those with banking bans. Outgoing SEPA transfers to an external account are charged 0.10 € per transaction.
• Noelse Smart — 6 € per month: In addition to all Eco plan services, this plan includes a physical international Mastercard Classic payment card, three project sub-accounts for organizing your budget, and fee-free unlimited transfers (30 free outgoing transfers per month, then 0.10 € per transfer). This is the most popular plan among individuals.
• Noelse Care — 9 € per month: The most comprehensive plan for individuals includes all Noelse Smart benefits and adds an interest-free 100 € advance, activatable from the application when needed. Repayment must be made within 30 days. This advance provides a valuable safety net for users who want to avoid traditional bank overdrafts.

All offers are commitment-free and account opening is free. The bank card is included in the subscription (digital for Eco, physical and digital for Smart and Care). Bank card renewal upon expiry or in advance is charged at 10 € regardless of the plan chosen.

Offers for Professionals

Noelse also serves the professional market with three plans dedicated to freelancers, Noelse micro-entrepreneurs, and businesses. The Noelse business pro offering breaks down as follows:

• Noelse Pro Eco — 5 € excl. tax per month: A 100% customizable Noelse professional account with a French IBAN, access via the mobile application and web portal, a physical and a digital Business Mastercard, unlimited incoming transfers, unlimited transaction history, and a France-based customer service. Outgoing SEPA transfers are charged 0.10 € per transaction.
• Noelse Pro Smart — 19 € excl. tax per month: The most popular plan among professionals includes Pro Eco services and adds three free project sub-accounts, as well as 30 free outgoing transfers per month. These sub-accounts are particularly useful for professionals managing multiple activities simultaneously or who want to organize their accounting more precisely.
• Noelse Pro Collect — 29 € excl. tax per month: Designed for merchants and professionals who accept payments, this plan includes all Pro Smart services and adds up to 4 payment terminals (TPE) to choose from three different models, 30 free outgoing transfers per month, and 2 free euro withdrawals in France.

Note that Noelse also offers a Shop plan at 99 € per month (or 999 € per year with two months free) for businesses with greater payment collection needs. This plan includes a pro account with a French IBAN, a Mastercard Business card, and payment terminal solutions adapted to the point of sale.

For Noelse auto-entrepreneurs, the Pro Eco plan at 5 € excl. tax per month represents an economical entry point suited to the needs of a starting freelancer. Auto-entrepreneurs appreciate the simplicity of opening the account and the absence of commitment, which allows them to test the service without financial risk.

Detail of Fees and Commissions

Pricing transparency is one of Noelse's key commitments. Here is a detailed breakdown of the main applicable fees, common to all plans unless otherwise stated:

• Card payment in euros within the SEPA zone: free
• Card payment in euros outside the SEPA zone: 2% of the transaction amount
• Card payment in foreign currency outside the SEPA zone: 2% of the amount + conversion at the Mastercard exchange rate
• Euro withdrawal in France, Italy, Germany, Spain: 1 € per withdrawal
• Euro withdrawal in the SEPA zone (other countries): 2 € per withdrawal
• Withdrawal outside the SEPA zone: 2 € per withdrawal + 2% of the withdrawn amount + conversion at the exchange rate
• Outgoing SEPA transfer: 0.10 € per transaction (free in certain plans, see details above)
• Incoming transfer: free and unlimited
• Account funding by bank card: first top-up free, then 0.75 € per credit (individuals) or 1.5% of the amount (professionals)
• Account funding by transfer: free
• Online bank card opposition: free
• Bank card renewal: 10 €
• Pack of 3 additional sub-accounts: 1 € per month

It is important to note that Noelse does not offer transfers outside the SEPA zone. This means it is not possible to send or receive money to or from a country outside the SEPA zone. This limitation is a point of attention for users with international transfer needs. For Noelse international transfers, a complementary solution must be considered if you need to perform operations outside the SEPA zone.

Features: Bank Card, Transfers, Mobile Application, and Management Tools

Noelse offers a set of features designed to simplify daily financial management, whether for individuals or professionals. All services are accessible from the Noelse mobile application, available on iOS and Android, as well as from a web portal accessible on computer and tablet.

The Noelse Bank Card

The Noelse bank card is issued by Mastercard, guaranteeing worldwide acceptance in over 210 countries and territories. Two formats are available depending on the plan subscribed:

• Classic digital card: available immediately after account opening, it allows online purchases and in-store payments via mobile payment (Noelse Pay, compatible with Noelse Apple Pay and Noelse Google Pay). This is the card included in the Eco plan.
• Physical Mastercard: available in the Smart, Care, and all Pro plans, it allows in-store payments and ATM withdrawals. The card is sent by mail after subscription.

Both types of cards support contactless payments and are protected by the 3D Secure protocol for online purchases. The Noelse payment limit is set at 1,200 € per week (Monday to Sunday), while the Noelse withdrawal limit is capped at 400 € per week. The overall monthly limit (withdrawals and payments) is 1,600 € from the 1st to the 31st of the month. To increase the Noelse limit, simply log into the application and modify the settings in the "Services" section. Limits are thus customizable according to each user's needs.

In case of loss or theft, it is possible to immediately block the card from the application. For Noelse lost card opposition, the operation is done in seconds directly in the customer area, at no cost. A phone call for Noelse card opposition is not necessary since everything is managed from the application. In case of Noelse card loss or Noelse card theft, Noelse card blocking is instant and can be performed 24/7 from the mobile application.

The free Noelse card is included in the monthly subscription: there are no card issuance fees, whether for the digital card or the physical card (depending on the plan subscribed). Only renewal upon expiry or in advance is charged at 10 €.

Transfers and Banking Operations

Noelse allows you to perform all common operations of a payment account. Transfers between Noelse users are free, unlimited, and instant. Outgoing SEPA transfers to an external account are charged 0.10 € per transaction in the Eco plans, and included (30 per month) in the Smart, Care, Pro Smart, and Pro Collect plans.

The Noelse instant transfer is available between Noelse accounts, facilitating money exchanges between members of the Noelse community. For transfers to external accounts, the Noelse transfer timeframe is generally one to two business days, in line with the standard timelines of the SEPA banking system.

The Noelse RIB is a French IBAN, guaranteeing compatibility with all services requiring a RIB domiciled in France (direct debits, salary transfers, social benefits, etc.). The Noelse French IBAN is provided upon account opening, allowing you to receive transfers immediately. The associated Noelse BIC SWIFT identifies the account in the international banking network.

Regarding Noelse foreign IBAN, Noelse currently only offers French IBANs. For users needing an IBAN in another country, an alternative solution will be needed. To modify your Noelse RIB, simply go to the customer area settings and follow the instructions. The RIB can be downloaded and shared easily from the application.

The Noelse Mobile Application

The Noelse application is the heart of the user experience. Available for free download on the App Store (iOS) and Google Play Store (Android), it allows you to manage all your accounts and cards from a smartphone or tablet. To download the Noelse application, simply search for "Noelse" in your device's store.

The Noelse customer area accessible from the application offers the following features:

• Real-time balance consultation
• Complete and unlimited history of all transactions
• Transfers (one-time, recurring, or scheduled)
• Project sub-account management
• Bank card blocking and unblocking
• Payment and withdrawal limit modification
• Contactless payment activation
• RIB download
• Customer service contact via integrated chat
• Activation of the 100 € advance (Care plan)
• Real-time notification management
• Spending alert configuration

The interface is designed to be simple and intuitive, making it accessible even to users who are less comfortable with technology. Real-time notifications allow you to track every transaction instantly. The application is regularly updated to integrate new features and fix potential bugs.

For professionals, the application offers additional features such as managing multiple accounts from a single interface, tracking payment terminal collections, and the ability to create sub-accounts dedicated to different projects or activities. Navigation between different accounts (personal and professional) is simple and fast.

Management Tools and Advanced Features

Noelse provides its users with several financial management tools integrated into the application:

• Project sub-accounts: Available starting from the Smart plan (3 included), they allow you to compartmentalize your budget by creating dedicated envelopes (vacation, savings, taxes, etc.). Additional packs of 3 sub-accounts are available for 1 € per month.
• Real-time tracking: Every transaction triggers an instant notification, with the amount, merchant, and spending category.
• Unlimited history: Unlike some traditional banks that limit viewable history, Noelse retains all transactions without time limits.
• Mobile payment: Noelse Pay allows you to pay for purchases directly with your smartphone, compatible with NFC technology. Compatibility with Apple Pay and Google Pay extends mobile payment possibilities.
• Direct debits: It is possible to set up direct debits from your Noelse account, facilitating the payment of recurring bills.

Noelse cashback is a program that allows users to earn back a percentage of their spending at certain partner merchants. This program is available directly from the application, and earnings are automatically credited to the Noelse account.

Noelse referral is a program that rewards users who recommend the neobank to their friends and family. Both the referrer and the referee receive a bonus when the referee opens an account and meets the program's conditions. Details of conditions and amounts are available on the noelse.com website and in the application. The Noelse welcome offer is regularly offered to new sign-ups in the form of a welcome bonus or free subscription months.

Additional Services: Advances, Capital Deposits, and Merchant Solutions

Beyond basic banking services, Noelse is developing a range of additional services designed to meet the specific needs of its clientele, both individual and professional.

The Interest-Free 100 € Advance

One of Noelse's most distinctive services is the interest-free 100 € advance, available to subscribers of the Care plan (9 €/month). This service works like an instant micro-loan: the request is made from the application, the response is immediate, and if approved, the amount is credited directly to the account. Repayment must be made within 30 days. This service helps avoid incident fees associated with traditional bank overdrafts and provides a genuine safety net for users facing difficult end-of-month situations.

Payment Collection Solutions for Merchants

With the Pro Collect plan, Noelse offers electronic payment terminal (TPE) solutions adapted to the needs of merchants and professionals. Up to 4 TPEs can be included in the subscription, with three models to choose from:

• Fixed terminal for retail stores
• Portable Bluetooth terminal for in-store mobility
• Mobile terminal for itinerant activities

These terminals are provided by Noelse as part of the Pro Collect subscription and allow card payment collection (contact and contactless) with competitive commission rates. Payment collection management is integrated into the mobile application and web portal, offering real-time tracking of all transactions.

Capital Deposit for Business Creation

Noelse offers a capital deposit service for business founders. This service allows entrepreneurs to deposit their company's share capital directly into a Noelse account when creating their legal entity. The capital deposit certificate is issued quickly, accelerating registration procedures with the commercial court registry. This service is particularly appreciated by entrepreneurs who want to quickly open their company without going through a traditional bank, which is often slower and more restrictive in its procedures.

Billing and Accounting

For professionals, Noelse integrates simplified accounting tracking features. Project sub-accounts allow separating financial flows by activity, client, or project. Account statement exports in formats compatible with accounting software facilitate the work of certified accountants. Automatic expense categorization helps professionals track their expenses by budget category.

Insurance and Savings

To date, Noelse does not offer insurance or regulated savings products (such as Livret A or life insurance). The offering is focused on payment services and day-to-day management. However, project sub-accounts can serve as informal savings envelopes for setting money aside for a specific goal, even though the funds are not interest-bearing. The neobank has mentioned in its communications the possibility of expanding its range of services in the future, but no specific date has been announced for the launch of savings or insurance products.

Regarding Noelse fee-free abroad, it should be noted that card payments in euros within the SEPA zone are free. However, payments outside the SEPA zone are subject to a 2% commission on the transaction amount, plus Mastercard currency conversion fees. Free Noelse withdrawals do not exist as such: each ATM withdrawal is charged (1 € in France, Italy, Germany, and Spain; 2 € in the rest of the SEPA zone), except in the Pro Smart and Pro Collect plans which include 2 free withdrawals per month.

Security: Regulatory Compliance, GDPR, PSD2, and Data Protection

The security of funds and personal data is a major challenge for any financial institution. Noelse highlights several levels of protection to reassure its users about Noelse account security.

Accreditation and Regulatory Compliance

Noelse Pay is a payment institution accredited by the ACPR (Autorité de Contrôle Prudentiel et de Résolution), the French financial supervisor attached to the Banque de France. This accreditation, obtained since 2011 (originally under the name Afone Paiement), guarantees that Noelse complies with regulatory requirements regarding own funds, governance, anti-money laundering (AML-CFT), and client fund protection.

In accordance with European regulations, client funds deposited with Noelse are ring-fenced, meaning separated from the company's own funds. They are held in ring-fencing accounts opened with accredited credit institutions, which protects clients in case of the payment institution's failure. It is important to note that funds held with a payment institution are not covered by the Deposit Guarantee and Resolution Fund (FGDR), unlike deposits made with a traditional bank.

PSD2 Compliance

Noelse is compliant with the European Payment Services Directive (PSD2), which strengthens the security of online payments and consumer protection. This compliance notably involves:

• Strong Customer Authentication (SCA): Every sensitive operation (online payment, beneficiary addition, settings modification) requires additional verification beyond a simple password.
• Noelse two-factor authentication: Account access and sensitive operations are protected by a two-factor authentication (2FA) system, combining something the user knows (PIN code, password) and something they possess (smartphone, fingerprint, facial recognition).
• 3D Secure protocol: Online card payments are secured by this protocol, which adds a verification step during each transaction.

Personal Data Protection (GDPR)

As a French company operating in the European Union, Noelse is subject to the General Data Protection Regulation (GDPR). The neobank is committed to protecting its users' personal data in accordance with this regulation, which involves:

• Data collection limited to what is strictly necessary for the provision of services
• Secure data storage on servers compliant with European standards
• The right of access, rectification, and deletion of personal data
• User notification in case of a data breach
• The appointment of a Data Protection Officer (DPO)

Technical Security Measures

At the technical level, Noelse implements several security measures to protect its users' accounts and transactions:

• Data encryption: All communications between the application and servers are encrypted via the TLS (Transport Layer Security) protocol, ensuring the confidentiality of exchanges.
• Biometrics: The application supports biometric authentication (fingerprint, facial recognition) for fast and secure account access.
• Real-time notifications: Every transaction triggers an immediate notification, allowing rapid detection of any suspicious operation.
• Instant card blocking: In case of suspected fraud, the user can block their card in seconds from the application.
• Secure PIN code: The card PIN code is chosen and modifiable by the user directly from the application. In case of a forgotten Noelse PIN code, it can be reset from the customer area after identity verification.

The combination of these measures makes Noelse a player compliant with the latest security standards in the European fintech sector. ACPR accreditation and PSD2 compliance constitute important institutional guarantees for users concerned about the security of their funds.

Noelse Customer Service: Contact Channels, Hours, and Support Quality

The Noelse customer service phone is a frequently asked question by users and prospects. It is important to understand that Noelse, as a digital neobank, favors digital contact channels. However, a phone number is available for users who wish to reach an advisor by phone.

Available Contact Channels

To call Noelse customer service or get help, several channels are available:

• By phone: The Noelse customer service phone number is +33 1 72 68 09 70. This Noelse phone number is reachable Monday through Friday from 9am to 6pm. The Noelse non-premium-rate number allows you to contact customer service at the cost of a local call. To reach Noelse customer service by phone, simply dial this number during opening hours. Calling Noelse customer service by phone is the most direct way to speak with a Noelse advisor.
• By email: The Noelse contact email is support@noelse.com. Requests sent by email generally receive a response within 24 to 48 business hours.
• By chat: The Noelse online chat is available directly from the application and the website. This is the fastest channel for getting an answer to a simple question.
• Via the application: The Noelse application integrates a messaging system that allows direct communication with customer service. This is the preferred channel for Noelse to ensure optimal follow-up of requests.

The Noelse customer service phone remains nevertheless the preferred channel for many users who want to quickly resolve a complex problem. The Noelse customer service phone line is managed by a team based in France, in Angers, guaranteeing quality French-language service.

To reach a Noelse advisor, it is recommended to use the application or online chat for simple requests, and the phone for more complex situations. Reaching a Noelse advisor by phone is possible Monday through Friday during opening hours. Reaching a Noelse advisor via online chat may be faster during peak phone hours.

To call Noelse customer service, dial +33 1 72 68 09 70 Monday through Friday from 9am to 6pm. Calling Noelse customer service is free from a landline (cost of a local call). The Noelse phone contact is therefore accessible, and contacting Noelse by phone remains a reliable way to resolve problems.

Customer Service Opening Hours

The Noelse opening hours for customer service are as follows:

• Monday to Friday: 9:00am to 6:00pm (Paris time)
• Closed on Saturday, Sunday, and public holidays

Outside these hours, users can still manage their account via the application (card blocking, balance consultation, transfers) and send a message to customer service via chat or email, which will be processed when activity resumes.

Calling Noelse by phone is the fastest way to contact customer service during business hours. The Noelse phone is also accessible from abroad by dialing the number in international format +33 1 72 68 09 70.

Emergency Management

In case of emergency (lost or stolen card, fraudulent transaction), the Noelse emergency number to contact is the same as the customer service number: +33 1 72 68 09 70, available during opening hours. Outside opening hours, the Noelse emergency number is not reachable by phone, but you can instantly block your card from the application 24/7.

The Noelse emergency phone number should be noted for critical situations. For Noelse emergency phone contact, it is advisable to dial the number as soon as possible during opening hours and block your card via the application in the meantime. Emergency management via the application is the safest and fastest way to protect your account in case of a problem.

Complaints Service

The Noelse complaints service is accessible by email at support@noelse.com. When filing a complaint, it is recommended to detail the problem encountered, provide references for the transactions concerned, and specify the desired resolution. Noelse is committed to processing complaints as quickly as possible and providing a personalized response. If the customer service response is unsatisfactory, the user can refer the matter to the banking ombudsman whose contact details appear in the general terms and conditions.

To speak with a real Noelse advisor, the phone channel remains the most suitable. Noelse advisors are based in France and trained to answer all questions relating to the neobank's products and services.

Professional and Specialized Numbers

Noelse does not offer a dedicated professional number separate from the general customer service. The Noelse pro phone is therefore the same number as for individuals. The Noelse pro number all redirect to +33 1 72 68 09 70, with reception adapted to professional needs.

As Noelse does not have physical branches, there is no Noelse branch nearby to find. The neobank is 100% digital and all services are accessible online, consistent with its positioning as an Noelse online bank.

Regarding free numbers, the Noelse free number corresponds to the customer service number which is not a premium-rate number. The call is charged at the normal rate for a call to a landline number, included in most current phone plans. The Noelse phone number therefore remains accessible without extra cost for the majority of users.

The main Noelse phone number for any questions is +33 1 72 68 09 70. To reach Noelse by phone, simply dial this number during opening hours. The Noelse phone numbers are identical and redirect to the customer service based in Angers.

The Noelse customer service phone is reachable without going through a complex interactive voice server. Wait times are generally reasonable and advisors are trained to handle requests efficiently. The Noelse customer service phone line offers a human experience that distinguishes Noelse from some neobanks that offer no phone contact at all.

Noelse Customer Reviews: Ratings and User Feedback

Noelse customer reviews are generally positive and reflect genuine user satisfaction, both among individuals and professionals. Here is a summary of ratings and feedback collected from major online review platforms.

Ratings on Review Platforms

• Trustpilot: Noelse has a rating of 4.2/5 from over 2,600 verified reviews (source: trustpilot.com/review/noelse.com). This is a remarkable score for a payment institution, especially since the majority of positive reviews highlight the simplicity of the application, pricing transparency, and customer service responsiveness.
• Google Play: The Noelse application has a rating of 4.3/5 to 4.5/5 depending on the period, with positive feedback on the ergonomics of the interface and ease of daily use.
• App Store (iOS): The application is rated 4/5, with generally positive comments on the fluidity of the experience and speed of operations.

Recurring Positive Points in Reviews

Analysis of customer reviews reveals several strengths regularly cited:

• Ease of use: The application is described as intuitive and easy to get started with, even for users new to online banking.
• Responsive customer service: Many users highlight the quality and speed of customer service, based in France. The ability to reach an advisor by phone is appreciated.
• Fee transparency: Users appreciate the absence of hidden fees and the clarity of the pricing schedule.
• Accessibility: The fact that the account is open to everyone, including people with banking bans, is praised by many users who had no other banking solution.
• French IBAN: The provision of a French IBAN is a significant advantage for users who need an account domiciled in France.
• Immediate digital card: The immediate availability of the digital card after account opening allows users to start using the account without waiting for the physical card to arrive.

Areas for Improvement Noted in Reviews

Some negative reviews point out areas for improvement:

• Withdrawal fees: ATM withdrawal fees (starting at 1 € per withdrawal) are considered too high by some users, especially compared to competing neobanks that offer free withdrawals.
• No non-SEPA transfers: The inability to send or receive transfers outside the SEPA zone is a drawback for users with international needs.
• Fees abroad: The 2% commission on payments outside the SEPA zone is considered high by frequent travelers.
• Strict compliance: Some negative reviews concern account blocks related to compliance verification procedures (KYC). While these procedures may be perceived as restrictive, they demonstrate Noelse's seriousness in fighting fraud.
• No entirely free account: The cheapest plan (Eco at 2 €/month) is still paid, which may deter some users accustomed to free offers from competitors.

Overall, Noelse customer reviews paint a picture of a reliable, simple, and transparent neobank, particularly suited to users looking for a straightforward, no-surprise banking solution. The identified areas for improvement mainly concern ancillary fees and international limitations.

Comparison with Three Competitors: Revolut, N26, and Lydia

To better situate Noelse in the French and European neobank landscape, here is a detailed comparison with three major competitors: Revolut, N26, and Lydia (now Sumeria).

Noelse vs Revolut

Revolut is a British neobank founded in 2015, now operating across Europe with a Lithuanian banking license. With over 40 million customers worldwide, Revolut is one of the major players in the market.

• Pricing: Revolut offers a free plan (Standard) with a physical card, which Noelse does not. However, Revolut's paid plans (Plus at 3.99 €/month, Premium at 7.99 €/month, Metal at 13.99 €/month, Ultra at 45 €/month) are generally more expensive than Noelse's for comparable features.
• International: Revolut excels internationally with favorable exchange rates and free withdrawals in most of its plans (with limits). Noelse is clearly behind on this point with its 2% commission outside the SEPA zone and inability to make international transfers.
• IBAN: Revolut provides a Lithuanian IBAN (LT), which can cause acceptance issues in France for certain direct debits. Noelse provides a French IBAN (FR), a significant advantage in the French market.
• Customer service: Noelse stands out with its France-based telephone customer service, whereas Revolut is often criticized for the difficulty of reaching a human advisor.
• Features: Revolut offers a much wider range of features (trading, cryptocurrencies, interest-bearing savings, travel insurance, etc.), while Noelse focuses on essential payment services.

Verdict: Revolut is better suited for international users and those seeking a complete financial ecosystem. Noelse is preferable for users who prioritize a French IBAN, a France-based human customer service, and a simple offer with no hidden fees.

Noelse vs N26

N26 is a German neobank founded in 2013, which holds a full European banking license. It claims over 8 million customers in Europe.

• Pricing: N26 offers a free plan (Standard) with a virtual Mastercard and a German IBAN. Paid plans (Smart at 4.90 €/month, You at 9.90 €/month, Metal at 16.90 €/month) are comparable to Noelse's in terms of price, but offer additional features (sub-accounts, insurance, free withdrawals).
• IBAN: N26 now provides a French IBAN (FR) for customers residing in France, which eliminates Noelse's advantage on this point.
• International: N26 offers free foreign currency payments with the You and Metal plans, and integrates the Wise service for international transfers at favorable rates. This is a notable advantage over Noelse.
• Customer service: N26 offers customer service by chat and email, but not as easily accessible phone support as Noelse's.
• Banking license: N26 holds a full banking license, meaning deposits are protected by the German deposit guarantee system (up to 100,000 €). Noelse, as a payment institution, does not benefit from this protection (funds are ring-fenced but not guaranteed by the FGDR).

Verdict: N26 offers a free account and better international coverage, with the security of a banking license. Noelse stands out with its French telephone customer service and its accessibility to people excluded from the banking system.

Noelse vs Lydia (Sumeria)

Lydia, which became Sumeria in 2024, is a French fintech founded in 2013. Initially known for its peer-to-peer payment application, it has evolved into a complete banking offering.

• Pricing: Sumeria offers a free plan with a French IBAN and a virtual card. Paid plans (Plus at 4.90 €/month, Premium at 9.90 €/month) are comparable to Noelse's.
• Features: Sumeria stands out with its social features (peer-to-peer payments, money pots) and interest-bearing savings accounts. Noelse does not offer these features.
• International: Sumeria offers free payments and withdrawals abroad in its paid plans, which is an advantage over Noelse.
• Pro offering: Noelse has a more developed and structured professional offering than Sumeria, including integrated payment terminal solutions. This is a significant advantage for merchants and freelancers.
• Customer service: Both players offer French-language customer service, but Noelse offers more easily accessible phone contact.

Verdict: Sumeria is better suited for young urbanites who use mobile payments daily and appreciate social features. Noelse is preferable for professionals who need a complete pro account with payment collection solutions, and for people looking for easily accessible human customer service.

Summary Comparison Table

• Free plan: Revolut ✓ | N26 ✓ | Sumeria ✓ | Noelse ✗ (from 2 €/month)
• French IBAN: Revolut ✗ (LT) | N26 ✓ (FR since 2022) | Sumeria ✓ | Noelse ✓
• FR phone customer service: Revolut ✗ | N26 Limited | Sumeria ✓ | Noelse ✓
• Free non-SEPA payments: Revolut ✓ (paid plans) | N26 ✓ (paid plans) | Sumeria ✓ (paid plans) | Noelse ✗
• International transfers: Revolut ✓ | N26 ✓ (via Wise) | Sumeria ✓ | Noelse ✗
• Pro offer/TPE: Revolut ✓ | N26 ✓ | Sumeria Limited | Noelse ✓ (TPE included)
• Banking license / deposit guarantee: Revolut ✓ | N26 ✓ | Sumeria ✓ (via payment institution) | Noelse ✗ (payment institution)
• Accessible to those with banking bans: Revolut ✓ | N26 ✗ | Sumeria Variable | Noelse ✓

Case Studies: Noelse User Testimonials

To illustrate the Noelse user experience concretely, here are three representative case studies of different customer profiles.

Case Study 1: Sophie, Freelance Graphic Designer in Lyon

Sophie, 34, is a freelance graphic designer based in Lyon. As a Noelse auto-entrepreneur, she needed a simple and economical professional account to separate her personal and professional finances, as required by regulations for auto-entrepreneurs exceeding a certain revenue threshold.

"I opened my Noelse Pro Eco account a year and a half ago, and I don't regret my choice at all. Before, I used my personal account for everything, which made my accounting a nightmare. With Noelse, I have a French IBAN dedicated to my professional activity for only 5 euros per month. The application is really well designed, I can track all my income and expenses in real time. I even created sub-accounts to separate my fixed costs from my working capital. Customer service is responsive — the only time I had a problem with a delayed transfer, I called and it was resolved in less than ten minutes. The only downside is the ATM withdrawal fees, but since I pay for almost everything by card or transfer, it's not really a problem for me."

Sophie represents a typical profile of Noelse's professional clientele: a freelancer looking for a simple, economical, and efficient banking solution to manage her business. For her, how to open a Noelse account was a formality: registration was done in a few minutes from the application, with quick identity verification and an IBAN available the same day.

Case Study 2: Marc, Retiree in Angers

Marc, 67, is retired and lives in Angers, the city that houses Noelse's headquarters. A former traditional bank customer, he was looking for a simpler and less expensive solution to manage his daily finances.

"My daughter told me about Noelse when I was tired of paying account maintenance fees at my traditional bank. At first, I was a bit skeptical — a bank on a phone, at my age? But the application is really easy to use, even for someone who's not a computer whiz. I got the Smart plan at 6 euros per month, I have my physical card for shopping, and I see every expense in real time on my phone. What I appreciate most is being able to call customer service when I have a question. The advisors are patient and they speak French — it may sound silly, but it's important to me. I also created a sub-account to save up for my grandchildren's vacations. If I had to summarize, Noelse is simple, clear, and affordable."

Marc's testimonial illustrates Noelse's accessibility for a senior audience, often neglected by neobanks that primarily target young professionals. The simplicity of the interface and the availability of a French-language telephone customer service are decisive arguments for this user profile.

Case Study 3: Aminata, Restaurant Owner in Paris

Aminata, 42, runs a small restaurant in the 11th arrondissement of Paris. She chose Noelse Pro Collect to manage her establishment's finances and collect payments from her customers.

"When I opened my restaurant, my traditional bank charged astronomical fees for the payment terminal and account maintenance. A friend who's also a restaurateur recommended Noelse and I took the plunge. For 29 euros per month, I have my pro account, my Business card, and most importantly my payment terminals. I use two: a fixed one at the counter and a mobile one for the terraces. The advantage is that I see all collections in real time on the application, I know exactly how much I've made during the day without waiting for bank statements. Transfers to my accountant are done in a few clicks. The only negative point for me is that I can't make transfers to my suppliers in Morocco — for that, I use another service. But for everything else, Noelse is perfect for my business."

Aminata's case shows that Noelse has managed to develop an offering truly adapted to merchants and small businesses. The integration of payment terminal solutions directly into the banking offering, combined with real-time collection tracking, constitutes a notable competitive advantage over traditional banks that charge for these services separately and often at significantly higher rates.

Expansion and Future Prospects of Noelse

Noelse is positioned in a rapidly expanding market, that of neobanks and digital payment services in France and Europe. With an industrial heritage dating back to 1997 and proven expertise in electronic payments since 2011, the company has a solid foundation to support its future growth. Noelse's development prospects are built around several major strategic axes.

Expanding the Range of Services

Noelse has clearly identified the gaps in its current offering compared to the competition, notably the absence of interest-bearing savings products, insurance, and credit solutions. Expanding the range of services is a priority for the coming years. Several development paths are being considered:

• Interest-bearing savings: Setting up interest-bearing savings accounts or accessible investment solutions directly from the application would allow Noelse to retain customer funds and position itself as a more complete banking player.
• Consumer credit: The interest-free 100 € advance (Care plan) constitutes a first step toward credit. Noelse could expand this offering by offering personal loans of larger amounts, financed through partnerships with accredited credit institutions.
• Insurance: Travel insurance, payment protection, or liability insurance associated with bank cards have become standard among premium neobanks. Noelse could integrate these services into its high-end plans.
• Investment: Access to simplified investment products (ETFs, mutual funds) via the application would be a differentiating and customer loyalty lever for more affluent clients.

Developing the Professional Offering

Noelse's professional offering is an important strategic asset. The market for professional accounts for freelancers, micro-entrepreneurs, and small businesses is growing strongly, driven by the continuously rising number of auto-entrepreneurs in France (over 2.5 million active auto-enterprises at the end of 2025 according to URSSAF). Noelse can capitalize on this market by developing features specifically adapted to professional needs:

• Integrated invoicing: A module for creating and sending invoices and quotes directly from the application would significantly simplify administrative management for freelancers.
• Accounting integration: Connectors with major accounting software (QuickBooks, Pennylane, Indy, etc.) would allow automatic transaction exports and facilitate the work of certified accountants.
• Professional cash advances: A cash advance service adapted to professional needs (higher amounts, longer repayment terms) would address a recurring need of small businesses.
• Multi-user access: The ability to add collaborators with differentiated access rights to the professional account would be an asset for small teams.

Technological Innovation and Payments

Noelse has historical expertise in electronic payments through its subsidiary Noelse Pay (formerly Afone Paiement). This expertise constitutes a competitive advantage for developing innovative payment solutions. The integration of new technologies such as QR code payments, split payments (buy now, pay later), or biometric recognition payments could enrich Noelse's offering and attract new customer segments.

Compatibility with digital wallets like Apple Pay and Google Pay is already ensured, but Noelse could go further by developing its own mobile payment ecosystem, for example by integrating peer-to-peer payment features as Lydia/Sumeria or PayPal already do.

Geographic Expansion

Noelse currently operates exclusively in France. Obtaining a European passport, made possible by the ACPR accreditation, could allow the neobank to offer its services in other countries of the European Economic Area without having to obtain additional accreditation in each country. The Belgian, Luxembourg, and French-speaking Swiss markets would be natural targets for a first international expansion, given the linguistic and cultural proximity.

However, geographic expansion presents significant challenges: adaptation to local regulations, development of banking partnerships in each country, and adaptation of the offering to the specificities of each market. The fact that the parent company Noelse SA is domiciled in Luxembourg could facilitate this European expansion on a legal and fiscal level.

Brand Strengthening and Customer Acquisition

Noelse's brand awareness remains limited compared to players like Revolut or N26. To accelerate its growth, Noelse will need to invest in brand visibility through targeted communication campaigns, strategic partnerships, and word-of-mouth facilitated by its referral program. The excellent customer satisfaction score (4.2/5 on Trustpilot) constitutes a valuable asset for organic recommendation.

Noelse's positioning as a neobank accessible to everyone, including people excluded from the traditional banking system, is an important differentiating factor in a market where neobanks often target the same profiles of young urban customers. By cultivating this inclusive positioning, Noelse can capture a clientele neglected by the competition and build a community of loyal and engaged users.

How to Open a Noelse Account: Detailed Procedure

For how to open a Noelse account, the procedure is entirely digitized and can be completed in a few minutes from a smartphone or computer. Here are the detailed steps:

• Step 1 — Download the application: Go to the App Store (iOS) or Google Play Store (Android) and download the Noelse application for free. The application is also accessible from the noelse.com website.
• Step 2 — Registration: Enter your personal information (last name, first name, date of birth, email address, phone number, mailing address). Choose the plan that matches your needs (Eco, Smart, or Care for individuals; Pro Eco, Pro Smart, or Pro Collect for professionals).
• Step 3 — Identity verification (KYC): Photograph your ID (national identity card or passport) and take a selfie for biometric verification. This step is mandatory in compliance with anti-money laundering regulations.
• Step 4 — Account activation: After your identity is validated (generally within a few minutes to a few hours), your account is activated. You immediately receive your digital card and French IBAN. If you subscribed to a plan including a physical card, it will be sent by mail within a few business days.
• Step 5 — First top-up: Fund your account by bank transfer (free) or by bank card (first top-up free, then 0.75 € per credit for individuals). Your account is now operational.

Noelse account opening is accessible to French residents aged 18 and over. No income or banking history conditions are required, making the service accessible even to people with banking bans or in over-indebtedness situations. The opening procedure is designed to be as simple and fast as possible, in keeping with Noelse's promise: to simplify everyday money management.

How to Close a Noelse Account

To close a Noelse account, the procedure is simple and free of charge. Simply contact customer service by email at support@noelse.com or via the application's chat, indicating your wish to close your account. Before closure, make sure your balance is zero or transfer remaining funds to another account. Pending direct debits must be canceled or transferred to another bank account. Noelse will then proceed to close the account as quickly as possible, in accordance with the general terms and conditions. No closure fees are applied, consistent with the neobank's commitment to transparency.

Practical Guide: Frequently Asked Questions About Noelse

Many users have practical questions before or after opening a Noelse account. Here are answers to the most common questions.

How to Contact Noelse?

To call Noelse customer service, dial +33 1 72 68 09 70 Monday through Friday from 9am to 6pm. This is the most direct way to speak with a real Noelse human advisor based in France. You can also use the online chat from the application or send an email to support@noelse.com. The Noelse phone number is a non-premium-rate landline number, charged at the price of a local call and included in most phone plans.

Is Noelse a Real Bank?

Noelse is not a bank in the legal sense of the term. It is a payment institution accredited by the ACPR (Autorité de Contrôle Prudentiel et de Résolution). This means Noelse is authorized to provide payment services (current accounts, bank cards, transfers) but not full banking services (mortgage lending, regulated savings, etc.). Customer funds are ring-fenced in accordance with regulations, but do not benefit from the FGDR deposit guarantee.

Can Noelse Be Used as a Main Account?

Yes, Noelse can be used as a main account for people whose needs are essentially domestic: receiving a salary or social benefits (the French IBAN is accepted everywhere), paying bills by direct debit, making purchases by card, and making transfers within the SEPA zone. However, for people with international transfer needs, interest-bearing savings, or credit, a complementary account at a traditional bank remains necessary.

How Does the 100 € Advance Work?

The interest-free 100 € advance is available to Care plan subscribers (9 €/month). The request is made from the application in a few clicks. If approved (the response is instant), the 100 € are immediately credited to your account. Repayment is automatic within 30 days. In case of non-repayment within the deadline, penalties may apply. This advance is not a loan in the legal sense and is not subject to the usury rate.

How to Change Card Limits?

Payment and withdrawal limits are modifiable directly from the Noelse application. Go to your customer area, then to the "Services" or "Card" section. You can adjust weekly and monthly limits according to your needs. Changes take effect immediately. The default weekly limit is 1,200 € (including 400 € for withdrawals) and the monthly limit is 1,600 €.

How to Handle a Lost or Stolen Card?

In case of loss or theft of your Noelse card, the first thing to do is block it immediately from the application. The operation is free and instant, available 24/7. Then, contact customer service by phone at +33 1 72 68 09 70 or by email at support@noelse.com to report the loss or theft and request a replacement card. Card replacement is charged at 10 €.

How to Download Your Noelse RIB?

The RIB (Relevé d'Identité Bancaire) is downloadable from the Noelse application. Go to your customer area, then to the "My Account" or "RIB" section. You can download the document in PDF format and share it by email or messaging. The RIB contains your French IBAN, your BIC SWIFT, and Noelse Pay's details as the account holder.

Noelse and Freelancers: A Solution Adapted to Micro-Entrepreneurs

The professional account market for freelancers and micro-entrepreneurs is an important strategic axis for Noelse. French regulations require auto-entrepreneurs with annual revenue exceeding 10,000 € for two consecutive years to have a bank account dedicated to their professional activity. Noelse meets this need with a Pro Eco plan at only 5 € excl. tax per month, making it one of the most competitive solutions on the market.

For Noelse micro-entrepreneurs, the plan includes all essential services: a French IBAN dedicated to professional activity, a Mastercard Business card (digital and physical), unlimited incoming transfers, a complete transaction history, and French-language customer service. The absence of income conditions and the simplified opening procedure are major assets for business creators starting their activity.

Micro-entrepreneurs also appreciate the ability to manage their personal account and professional account from the same Noelse application, with simple navigation between the two accounts. This centralization significantly simplifies daily administrative management and provides an overview of personal and professional finances.

Noelse and Mobile Payment: Apple Pay, Google Pay, and Noelse Pay

Mobile payment is a key feature of Noelse's offering. Compatibility with Noelse Apple Pay and Noelse Google Pay allows users to pay for purchases directly with their smartphone, without having to take out their bank card. Payment is made by simply holding the phone near the payment terminal, thanks to NFC technology.

Additionally, Noelse Pay is Noelse's proprietary mobile payment solution. It allows you to pay in-store and online directly from the application, using the digital card as the payment medium. This feature is available starting from the Eco plan (2 €/month), meaning even users without a physical card can pay in-store via their smartphone.

Mobile payment is secured by biometrics (fingerprint or facial recognition) and the 3D Secure protocol for online purchases. Real-time notifications allow you to track every transaction instantly. Mobile payment adoption is growing strongly in France (over 30% of card transactions in 2025 according to the Banque de France), and Noelse is well positioned to accompany this trend.

Noelse and Transparency: A No Hidden Fees Approach

One of the pillars of Noelse's strategy is pricing transparency. In a banking sector often criticized for the opacity of its pricing schedules, Noelse stands out with clear and direct communication about its fees. The complete pricing schedule is available for download on the noelse.com website, and every fee is detailed explicitly.

This transparent approach is reflected in customer reviews, which regularly highlight the absence of unpleasant surprises on account statements. Noelse does not charge account maintenance fees beyond the monthly subscription, no intervention commission in case of insufficient balance, no fees for notifications or access to history, and no fees for online card blocking or opposition.

However, transparency does not mean absence of fees. As detailed in the pricing section, certain services are charged: ATM withdrawals, outgoing SEPA transfers (in entry-level plans), payments outside the SEPA zone, and funding by bank card. These fees are clearly announced before any subscription, allowing each user to choose the plan best suited to their spending habits.

Noelse in the French Fintech Landscape: A Unique Positioning

The French neobank market is dynamic and competitive, with around ten significant players competing for market share. In this context, Noelse occupies a singular position based on several pillars:

• A solid industrial heritage: Unlike many neobanks created from scratch by tech entrepreneurs, Noelse builds on an industrial group founded in 1997, with proven expertise in electronic payments since 2011. This history gives Noelse a credibility and financial stability that newcomers to the market cannot claim.
• A French territorial anchoring: Headquarters in Angers, France-based customer service, French IBAN: Noelse cultivates its French identity in a market dominated by foreign players (Revolut in the UK, N26 in Germany, Wise in Estonia). This anchoring is a strong argument for users who want to support the local economy and benefit from quality French-language service.
• Universal accessibility: The fact that Noelse is accessible to people with banking bans or in over-indebtedness situations is an important social differentiator. In France, approximately 500,000 people are registered in the payment incident file (FICP) and over 2.5 million in the central check file (FCC). For these people, Noelse often represents one of the few solutions for having a functional payment account.
• A complete pro offering with TPE: The integration of payment terminal solutions into the professional banking offering is a distinctive asset of Noelse. Merchants and artisans who need to collect card payments benefit from an all-in-one solution, without having to subscribe to a separate contract with a payment terminal provider.

The Future of Electronic Payment in France and the Role of Noelse

The payment landscape in France is changing rapidly. Contactless payment adoption has exploded since the Covid-19 pandemic, mobile payments are gaining ground, and cash is gradually declining in daily transactions. According to the Banque de France, card payments represented over 60% of transactions by volume in 2025, and the trend is upward.

In this context, Noelse is well positioned to accompany the transition toward an increasingly dematerialized economy. The group's expertise in payment solutions for merchants (heritage from Afone Monetics and ComNpay) constitutes a strategic advantage for developing innovative solutions for professionals and individuals.

The arrival of the digital euro, currently in preparation by the European Central Bank, could also offer new opportunities for Noelse. As an accredited payment institution, Noelse could be one of the distributors of the digital euro to the general public, opening new growth and differentiation perspectives.

The development of open banking, made possible by the PSD2 directive, also allows Noelse to integrate into a broader financial ecosystem. The interoperability of financial services, the ability to aggregate accounts from different banks, and the creation of innovative financial services based on banking APIs are all growth levers for the years to come.

Noelse can also capitalize on the trend toward market consolidation in fintech. Several European neobanks have closed their doors in recent years due to lack of profitability, while others have been acquired by traditional players. Noelse's financial solidity, backed by a group that has been profitable for over two decades, is a guarantee of longevity in a sector where long-term survival is not guaranteed for all players.

In summary, Noelse is a French neobank that has managed to build on solid foundations, leveraging the Afone group's expertise in electronic payments to offer a simple, transparent, and accessible banking offering. While the offering remains more limited than that of some international competitors, it effectively meets the needs of individuals and professionals looking for a reliable payment account with a French IBAN and France-based human customer service. Noelse's future will depend on its ability to enrich its range of services while preserving the simplicity and transparency that are its strengths.

For any inquiries, the Noelse customer service phone is +33 1 72 68 09 70 (Monday to Friday, 9am-6pm), or by email at support@noelse.com. The Noelse online chat is accessible 24/7 from the mobile application. Sources: noelse.com, Wikipedia, Trustpilot (trustpilot.com/review/noelse.com), Finance Héros, Selectra, Banque de France (ACPR).

Customer support and contact channels for Noelse

When searching for Noelse's contact details, the fastest way is usually to visit their official website or check the mobile app. Whether the request concerns account access, card management, transfers, fees, security settings or a complaint, the support team can guide you through the process.

Many users search for terms such as phone number, customer service, direct contact, advisor number, card opposition, transfer delay, mobile app support or account security. This page centralizes the key expressions associated with Noelse.

Contact information

Services offered by Noelse

• Current account
• Bank card
• Transfer
• Direct debit
• Savings
• Credit
• Insurance
• Customer service
• Mobile app
• Budget management
• Notifications
• Technical support

How to contact Noelse by phone

Tips for contacting Noelse

Security and data protection at Noelse

The security of your personal and financial data is a top priority for Noelse.

Enhanced authentication: Noelse uses two-factor authentication (2FA).

Data encryption: All communications are encrypted with SSL/TLS 256-bit.

Regulatory compliance: Noelse complies with applicable regulations.

24/7 monitoring: Fraud detection systems operate continuously.

Why choose Noelse?

• ✓ Intuitive and comprehensive mobile app
• ✓ Quick 100% online account opening
• ✓ Transparent and competitive fees
• ✓ Responsive and professional customer service
• ✓ Real-time notifications
• ✓ Enhanced security with biometric authentication