Sogexia gave me back my freedom to manage my money without needing to explain myself.(bank issue due to company closed and lost job) It’s not a bank, but the system works like a bank — transfe... See more
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Worst experience that I had with a bank ever . After two absolutely legit transactions blocked my account and funds for two months . I totally understand all the compliance procedures that usually tak... See more
Company replied
Sogexia has been so helpful to me I got a job but other banks couldn't get me open an account which led me to losing jobs twice but sogexia came on rescue for the third job. An easy account to open an... See more
Company replied
Very good, with their metal card there is no Mark up fee when you Make payments in other currencies then your own currency. They also IBAN and cashback system.
Company details
Written by the company
Le compte pour tous. Depuis 2010, Sogexia propose aux particuliers et aux professionnels l’ouverture d’un compte de paiement en quelques minutes, sans conditions ni frais cachés, associé à une ou plusieurs cartes Mastercard ainsi qu’à plusieurs services innovants : opérations en temps réel, réductions chez plus de 800 commerçants partenaires, outil de gestion du budget, historique illimité, service client ultra qualifié, et plus encore. Sogexia est un établissement de paiement agréé et supervisé par la Commission de Surveillance du Secteur Financier du Luxembourg.
Contact info
55, Avenue de la Gare, L-1611, Luxembourg, Luxembourg
- support@sogexia.com
- sogexia.com
4.0
Great
10k reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 98% of negative reviews
Typically replies within 48 hours
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impossible to talk to a representative
it takes time to talk to a representative.
Otherwise the online application interface is easy. My comment concern the opening of a business account.
28 August 2026
Unprompted review
Reply from Sogexia
Hello,
Thank you for your feedback. We’re pleased to hear that you found our online application process easy to use for opening a business account.
We understand that waiting to speak with a representative can sometimes be frustrating. This may be due to an unusual peak in activity, we're sorry for the inconvenience.
For any further assistance, we invite you to contact our virtual assistant, available 24/7 via chat at www.sogexia.com.
Kind regards
Avoid this bank
My experience with Sogexia has been absolutely unacceptable. My account has been blocked for four months, and I still have not recovered access to any of my funds.
I have everything in order and have provided all the documents and information they requested. I fully cooperated with their investigation and sent every document they asked for. Despite this, they have blocked all of my savings, money I have accumulated over years, and I still cannot access it.
If there is any problem with my account or registration, they are free to close my account. But they cannot simply keep my money and leave me without access to my funds for months. I consider it completely unacceptable that my savings are being retained in this way.
What is even more worrying is that they have now stopped providing any meaningful response to my emails. I keep trying to contact them, but I receive no real explanation and no concrete solution.
Four months without access to my savings is completely unacceptable. A financial institution should not leave a customer without access to their money for such a long period while providing no clear communication.
BE VERY CAREFUL before keeping your money with Sogexia. Think twice before trusting them with your savings. Unfortunately, I am not the first customer to report this type of situation.
I would absolutely not recommend Sogexia based on my experience.
* Edit from here
You answered another generic message while you are still doing nothing, you are still keeping my money, For 4 months now. 4 months answering exactly the same thing. IF YOU CARE ABOUT YOUR MONEY. STAY AWAY FROM THIS BANK, THEY STOLE ALL MY MONEY WITH NO REASON. THEY JUST DECIDED TO CLOSE MY ACCOUNT AND MEEK MY MONEY, AND IM NOT THE ONLY ONE
20 August 2026
Unprompted review
Reply from Sogexia
Mr Fregoni,
We understand your frustration regarding this prolonged situation. Being unable to access your funds for four months is indeed a difficult experience.
Here is an explanation of the situation:
Sogexia is a regulated institution and is required to carry out certain compliance and security checks. At times, these checks may result in a temporary suspension of access in order to protect your account and comply with our legal obligations.
I acknowledge that communication with you has been inadequate, and this is a matter that requires immediate attention from our teams.
https://support.sogexia.com/hc/fr/requests/new
I remain entirely at your disposal.
Service support Excellent.
12 August 2026
Reply from Sogexia
Bonjour,
Merci beaucoup pour votre retour positif ! Nous sommes ravis de savoir que nos services vous donnent entière satisfaction. Vos encouragements nous motivent à continuer dans cette voie.
Pour toute demande complémentaire, nous vous invitons à solliciter notre assistance virtuelle, disponible par chat 24h/24 sur www.sogexia.com.
Cordialement
Worst experience that I had with a bank…
Worst experience that I had with a bank ever . After two absolutely legit transactions blocked my account and funds for two months . I totally understand all the compliance procedures that usually take 2 to 5 business days , but 2 month ! Two months of given me generic reply that “ relevant department is looking into it” . Eventually closed my account after two months without any explanations. This is just totally frustrating when you didn’t do anything wrong, and you get such a such a treatment. Horrible experience.
11 August 2026
Unprompted review
Reply from Sogexia
Hello,
We understand how frustrating this situation must have been, particularly given the length of the review and the fact that your account was ultimately closed.
As a regulated payment institution, we are required to carry out compliance and security checks to help prevent fraud and money laundering. Depending on the circumstances, these checks can unfortunately take longer than expected, and we understand that this can be particularly difficult when funds are temporarily unavailable.
For confidentiality and security reasons, we cannot discuss the details of an individual case publicly. We would nevertheless be happy to review your situation with you through our customer service.
For any further assistance, we invite you to contact our virtual assistant, available 24/7 by chat at www.sogexia.com.
Cordialement
There is a delay in opening the…
There is a delay in opening the account; I submitted the application over a week ago.
26 June 2026
Reply from Sogexia
Hello,
Thank you for your feedback. We are sorry to hear that your account has not yet been opened.
Account verification times can vary depending on the documents provided and any additional checks that may be required. Our teams work to process every application as quickly as possible while complying with our regulatory obligations.
For any further assistance, please use our virtual assistant, available 24/7 via chat at www.sogexia.com.
Kind regards
If you have not already done so, we invite you to contact our customer support so we can check the status of your application.
Reply from Sogexia
Bonjour,
Merci beaucoup pour votre retour positif ! Nous sommes ravis de savoir que nos services vous donnent entière satisfaction. Vos encouragements nous motivent à continuer dans cette voie.
Pour toute demande complémentaire, nous vous invitons à solliciter notre assistance virtuelle, disponible par chat 24h/24 sur www.sogexia.com.
Cordialement
Good bank only difficult for opening…
Good bank only difficult for opening business account
16 February 2026
Unprompted review
Reply from Sogexia
Bonjour,
Thank you for your feedback and for highlighting the ease of use of our services. We are delighted to know that you consider Sogexia a good banking solution.
Regarding the opening of a business account, we understand that the process can sometimes feel more demanding. As a regulated payment institution supervised by the CSSF in Luxembourg and authorized by the ACPR in France, we are required to carry out thorough verification checks, especially for professional accounts. These steps are essential to ensure compliance, security, and the protection of all our clients.
Our goal is to keep the process 100% online, simple and accessible, while meeting regulatory obligations. If you experienced any specific difficulty, our customer service team will be happy to assist you and guide you step by step.
For any additional request, we invite you to contact our virtual assistant, available via chat 24/7 at www.sogexia.com.
worth less an emergency…
worth less recieved an emergency payment from my insurance but i can wire it out to pay for my medication no help from support other dan saying i need to wait until monday worhtles
16 January 2026
Unprompted review
Reply from Sogexia
Hello,
We completely understand your situation and your frustration, especially when it concerns something as urgent as medication. Please note that our support team is available from Monday to Saturday, and certain specific operations may require manual intervention, which cannot be processed outside of business hours.
We assure you that we will do everything we can to resolve the situation as soon as operations resume. In the meantime, if you haven’t already contacted our customer support by email, we recommend doing so, so your request can be prioritized first thing Monday morning.
For any further assistance, we invite you to use our virtual assistant, available 24/7 via chat at www.sogexia.com
Best regards
You say you answer within one hour??
You say you answer within one hour???
I haven``t seen a simple reply from you for more than 2 weeks!
11 November 2025
Unprompted review
Reply from Sogexia
Hello,
We're truly sorry if you’ve been waiting for a reply for over two weeks — this is not normal and does not reflect our usual standards. Please note that our average response time is around 1 business hour, but delays may occur if a file requires additional verification or if supporting documents are missing.
We recommend checking your spam/junk folder, and if you haven’t received any message from us, please reach out again via our contact form or virtual assistant chat available on www.sogexia.com, mentioning your situation clearly so we can assist you as quickly as possible.
For any further request, we invite you to contact our virtual assistant, available 24/7 via chat at www.sogexia.com.
Kind regards
Stole my money
Stole my money, blocked account I received payment for freelance work , they do not respond to email or phone
1 November 2025
Unprompted review
Reply from Sogexia
Bonjour,
Nous regrettons sincèrement votre mécontentement. Lorsque des fonds sont reçus sur un compte Sogexia, il peut arriver que certaines opérations soient temporairement bloquées si des vérifications sont nécessaires. En tant qu’établissement de paiement régulé, nous sommes légalement tenus de prévenir les fraudes, le blanchiment d’argent ou toute activité suspecte.
Si votre compte a été bloqué suite à la réception d’un virement, c’est probablement dans le cadre de ces vérifications. Cela ne signifie pas que l’argent a été "volé", mais qu’il est momentanément mis en attente jusqu’à la fin de l’analyse.
Concernant nos délais de réponse : nous faisons actuellement face à un pic d’activité exceptionnel. Toutefois, notre service client répond en moyenne sous 1 heure ouvrée par e-mail. Nous vous invitons à privilégier ce canal pour une réponse rapide.
Pour toute demande complémentaire, nous vous invitons à solliciter notre assistance virtuelle, disponible par chat 24h/24 sur www.sogexia.com.
Cordialement
Extremely Disappointed - Account Blocked Without Any Communication
At first, we were very happy with Sogexia. Opening our company account was quick and straightforward, and everything worked smoothly in the beginning.
However, without any warning or explanation, our account was suddenly blocked. We received no communication whatsoever — no email, no phone call, no letter.
Getting in touch with customer service has been almost impossible. On the rare occasions when we do reach someone, they can’t provide any real information or help. We are simply told to “wait” and refer to the FAQ or the virtual assistant — both of which are completely unhelpful.
No one seems to be available at their office on Avenue de la Gare in Luxembourg, and even if someone is there, they do not open the door.
Our funds have now been inaccessible for over 35 days, which is severely impacting our ability to pay invoices since this is our main business account.
We fully understand that compliance checks are necessary, but the total lack of communication and transparency from Sogexia is simply unacceptable.
At this point, it feels as though Sogexia does not care about its customers. We’ve sent numerous emails and made multiple phone calls, yet still haven’t received a single meaningful response or update.
4 November 2025
Unprompted review
Reply from Sogexia
Hello,
We’re truly sorry for the situation you’re experiencing and completely understand your frustration.
The account review and temporary blocking procedures you mentioned are legal obligations that all financial institutions must follow. They are designed to ensure the safety of your funds and compliance with regulatory requirements.
Our compliance team is actively reviewing your case, and please rest assured that we’re doing everything possible to resolve it as quickly as we can.
For confidentiality reasons, our customer service agents are not authorized to share details about these checks, which may explain why they couldn’t provide specific information during your calls.
Please also note that our offices in Luxembourg are not open to the public — Sogexia is a 100% online service, with support available by phone and email.
We truly understand how challenging this situation can be, and we want to assure you that we’re making every effort to minimize the delay and inconvenience.
Kind regards,
The Sogexia Team
I've been waiting for 2 months for an…
I've been waiting for 2 months for an explanation regarding the money blocked on Sogexia, I haven't received any coherent explanation so far. It's just that this process is in another department (AML) and customer service has no other information than that my account is temporarily blocked.
24 October 2025
Unprompted review
Reply from Sogexia
Hello,
We fully understand your frustration with the prolonged wait and lack of clarity regarding the temporary block on your account.
Please rest assured that if your case is currently being handled by our Compliance Department, it is because, as a regulated payment institution supervised by the CSSF and the ACPR, we are legally required to carry out thorough checks in certain situations. These procedures are mandatory under financial regulations and cannot be expedited or detailed by our customer service team.
We understand that this may feel like a lack of information, but these controls are essential to ensure everyone's safety and to prevent fraud or misuse. Your case is under review and you will be informed as soon as an update is available.
For any further questions, we invite you to use our virtual assistant, available via chat 24/7 on www.sogexia.com.
Kind regards
My exchange with YG Support went…
My initial exchange with Sogexia Support went well, But and here is a big BUT. I was then notified that my account and card had been blocked for security against fraud being perpetrated on my account disagreeable but understandable so far. But the following attitudes of the following support teams and other colleagues of the support team) are far from acceptable or courteous. Insisting that I should supply a selfie of myself holding an id which I did, only for them to reply that the image of the id was not clear enough. Long story short I was told "MY" account would remain blocked if I did not comply in a rather impolite tone!! This is not acceptable, as far as I still remember the funds in the account are my property and not for them to dictate to me the owner and "a client" how my funds should be handled. I expect someone in management to contact me as soon as possible regarding this incident.
21 October 2025
Reply from Sogexia
Hello,
Thank you for taking the time to share your experience — we understand how upsetting this situation must be and we’re sorry that your interaction with some members of our team left you feeling disrespected.
Please know that account blocks are never taken lightly, and are strictly applied in the context of regulatory obligations, particularly fraud prevention and anti-money laundering laws to which Sogexia, as a regulated payment institution, is fully subject. In these cases, identity re-verification may be requested — including a selfie with ID — and it’s essential that the image meets quality and legibility standards, as set by the regulator. If documents are unreadable or incomplete, we are legally unable to proceed. Please visit our dedicated page on the topic : https://support.sogexia.com/hc/en-gb/articles/23766169387410-What-documents-are-required-to-finalise-my-Sogexia-personal-account.
That said, we truly regret if the tone used by our team was perceived as impolite. We take the quality of our customer service seriously, and we’ll review this internally to ensure respectful communication is always maintained.
Thank you again for your patience and trust.
Best regards
For any additional request, please contact our virtual assistant available 24/7 at www.sogexia.com.
Reply from Sogexia
Bonjour,
Merci beaucoup pour votre retour positif ! Nous sommes ravis de savoir que nos services vous donnent entière satisfaction. Vos encouragements nous motivent à continuer dans cette voie.
Pour toute demande complémentaire, nous vous invitons à solliciter notre assistance virtuelle, disponible par chat 24h/24 sur www.sogexia.com.
Cordialement
Reply from Sogexia
Bonjour,
Merci beaucoup pour votre retour positif ! Nous sommes ravis de savoir que nos services vous donnent entière satisfaction. Vos encouragements nous motivent à continuer dans cette voie.
Pour toute demande complémentaire, nous vous invitons à solliciter notre assistance virtuelle, disponible par chat 24h/24 sur www.sogexia.com.
Cordialement
Fluidité
Fluidité, assurance,simplicité, reaction, communication, services et privilège à l'international, rapidité dans les actions, application, attention....
6 October 2025
Reply from Sogexia
Bonjour,
Merci beaucoup pour votre retour positif ! Nous sommes ravis de savoir que nos services vous donnent entière satisfaction. Vos encouragements nous motivent à continuer dans cette voie.
Pour toute demande complémentaire, nous vous invitons à solliciter notre assistance virtuelle, disponible par chat 24h/24 sur www.sogexia.com.
Cordialement
The customer service system is really…
The customer service system is really nice and reliable, I love this bank
24 September 2025
Reply from Sogexia
Hello,
Thank you so much for your kind words!
We’re truly happy to hear that you find our customer service reliable and that you’re enjoying your experience with Sogexia. Your satisfaction is our top priority.
For any further assistance, feel free to reach out to our virtual assistant, available 24/7 via chat on www.sogexia.com.
Kind regards
Reply from Sogexia
Bonjour,
Thank you very much for your kind message!
We're delighted to hear that you're very satisfied with Sogexia and our customer service. Your feedback means a lot to us and encourages our team to continue providing quality support every day.
For any further request, we invite you to use our virtual assistant, available 24/7 via chat at www.sogexia.com.
Cordialement
le top du top facile a utiliser ca se…
le top du top facile a utiliser ca se prand bien en main je recomende fortement .
4 March 2025
Unprompted review
Reply from Sogexia
Bonjour,
Merci beaucoup pour votre retour positif et enthousiaste ! Nous sommes ravis d’apprendre que notre service vous satisfait pleinement et que vous le trouvez facile à utiliser. Votre recommandation nous encourage à continuer dans cette voie.
Pour toute demande complémentaire, nous vous invitons à solliciter notre assistance virtuelle, disponible par chat 24h/24 sur www.sogexia.com
Cordialement
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