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Loans & Credit
Your financial goals, our expertise
From personal loans to mortgages and business finance — Harmony offers tailored credit solutions backed by a team of 40+ certified advisors.
AES-256 encryption, 2FA biometric authentication, real-time fraud monitoring 24/7.
SEPA Instant in under 10 seconds. SWIFT to 150+ countries. No hidden fees.
AI-powered spending insights, budget tracking and real-time category charts.
Every client has a named relationship manager — available Mon–Fri 9:00–18:00 CET.
Harmony SAS Bank
Premium Digital Banking — Built on Trust, Driven by Innovation
A New Standard in Private Banking
Founded in 2008 in the heart of Paris, Harmony SAS Bank was created with a single mission: to give every client the same quality of service traditionally reserved for ultra-high-net-worth individuals.
We combine decades of European banking tradition with cutting-edge financial technology — delivering real-time transfers, AI-powered analytics, and bank-grade security in a seamless digital experience.
Regulated by the ACPR (Autorité de Contrôle Prudentiel et de Résolution) and the European Central Bank, we operate under the strictest European financial standards to protect your assets at all times.
What We Stand For
Security First
AES-256 encryption, multi-factor authentication, and real-time fraud monitoring — your assets are protected 24/7.
Instant Execution
SEPA transfers execute in under 10 seconds. SWIFT in 1–3 business days. Internal transfers are instantaneous.
Transparent Pricing
No hidden fees. Our pricing structure is published in full — every commission, every exchange rate, every charge.
24/7 Support
Our dedicated client support team is available around the clock via in-app chat, email, and phone.
Fully Regulated & Compliant
DSS
27001
Our Policies
Privacy Policy
Your personal data is processed exclusively for banking operations and never sold to third parties. We comply with EU GDPR (Regulation 2016/679). Data is stored on EU-based servers with AES-256 encryption and retained for no longer than 10 years in accordance with French banking law.
Terms of Service
By using Harmony SAS Bank services, clients agree to our Terms of Service governed by French law. The bank reserves the right to suspend accounts involved in suspicious activity. All disputes are subject to the jurisdiction of Paris Commercial Court (Tribunal de Commerce de Paris).
Deposit Guarantee
All eligible deposits are protected up to €100,000 per depositor under the French Deposit Guarantee and Resolution Fund (FGDR) in accordance with Directive 2014/49/EU. Securities held in custody are protected separately up to €70,000 per client.
Cookie Policy
We use strictly necessary session cookies for authentication and security. No tracking or advertising cookies are used without explicit consent. You can review and withdraw cookie consent at any time from your profile settings.
Get in Touch
Leadership Team
The experienced professionals behind Harmony SAS Bank — combining decades of European banking and fintech expertise.
Former Managing Director at BNP Paribas (2001–2016) and Société Générale (2016–2022). Henri founded Harmony SAS Bank in 2008 with a mission to democratise private banking across Europe. Oxford MBA, 25+ years in financial services.
CFA charterholder with 18 years in banking finance and risk. Previously Head of Treasury at Crédit Agricole. Sophie oversees all financial operations, regulatory reporting, capital adequacy and investor relations at Harmony SAS Bank.
Fintech architect with 15 years building core banking platforms. Led the digital transformation at Deutsche Bank (2014–2020) before joining Harmony. Marcus heads our engineering, cybersecurity and AI-driven analytics infrastructure.
Former ACPR supervisor with 20+ years in financial regulation and AML. Isabelle ensures Harmony SAS Bank maintains the highest standards of regulatory compliance across all 18 jurisdictions in which we operate. LLM, Sciences Po Paris.
16 Years of Innovation
From a startup in Paris to one of Europe's trusted digital private banks.
What Our Clients Say
"I transferred €48,000 to my property purchase account in Spain. The whole process took less than 4 minutes — SEPA Instant with a full confirmation email. No other bank I've used has been this fast or transparent."
"As a small business owner, having multi-currency accounts with real SWIFT access at no monthly fee is invaluable. Harmony SAS Bank treats me like a premium client, not a number. The compliance team was incredibly helpful with KYC."
"Got a mortgage at 3.9% APR — the application was entirely online, decision in 24 hours, funds in 5 days. I compared with 6 other banks and none came close to the rate or speed Harmony offered. My relationship manager was available on weekends."
"The spending analytics dashboard is genuinely useful — it automatically categorises transactions and shows me where I overspend each month. The mobile experience is excellent. KYC verification was done in under 2 hours."
"I opened my account from Brussels in 20 minutes. The online onboarding is seamless — passport scan, selfie verification, and I had an IBAN in my inbox within the hour. Exceptional for a bank of this calibre."
"After 11 years with Barclays I switched to Harmony and haven't looked back. The SWIFT fees are transparent, the support chat responds in under 2 minutes, and my private banker remembers every conversation. This is how banking should be."
Bank Policies & Legal Framework
All Harmony SAS Bank operations are governed by French commercial law, EU financial regulations, and our internal policies. Click any section to read in full.
These General Terms and Conditions ("GTC") govern the contractual relationship between Harmony SAS Bank (SIREN 481 392 755 RCS Paris, licensed by ACPR under No. 14 178) and its clients. By opening an account, you agree to be bound by these GTC in their entirety.
1. Account Opening. Account opening is subject to successful completion of identity verification (KYC), provision of proof of address not older than 3 months, and approval by our Compliance team. We reserve the right to decline applications without providing reasons.
2. Account Management. Clients are responsible for maintaining accurate personal and contact information. Any change of address, nationality, or tax residency must be reported within 30 days. Failure to update information may result in temporary account restrictions.
3. Authorised Use. Accounts must be used solely for lawful purposes. Any use for money laundering, tax evasion, fraud, or financing of prohibited activities will result in immediate account termination and reporting to TRACFIN and relevant authorities.
4. Service Fees. Our current tariff schedule is available in the Tariffs section of your online banking portal. We provide 60 days' notice of any fee changes via email and in-app notification. Continued use of the account after the notice period constitutes acceptance of revised fees.
5. Account Closure. Clients may close their account at any time with 30 days' written notice. Any outstanding loan balances, fees, or pending transactions must be settled prior to closure. Harmony SAS Bank may close accounts immediately in cases of fraud, AML risk, or court order.
Version 4.2 · Effective 1 January 2025 · Governed by French law · Jurisdiction: Paris Commercial Court
Harmony SAS Bank processes your personal data as a data controller under the EU General Data Protection Regulation (GDPR, Regulation 2016/679) and the French Data Protection Act (Loi n° 78-17 du 6 janvier 1978 modifiée).
Data We Collect: Identity documents (passport, ID card, proof of address), financial information (account numbers, transaction history, income), contact details (email, phone, address), technical data (IP address, device fingerprint, session logs), and behavioural data (login history, feature usage).
Legal Bases: We process your data under (a) contractual necessity — to provide banking services; (b) legal obligation — for AML, tax, and regulatory reporting; (c) legitimate interest — for fraud prevention and security; and (d) your explicit consent — for marketing communications.
Data Retention: Transaction records are retained for 10 years as required by French banking law (Code monétaire et financier, Art. L. 511-33). Identity documents are retained for 5 years after account closure. Marketing data is retained until you withdraw consent.
Your Rights: You have the right to access, rectify, erase, restrict, and port your data, and to object to processing. Requests must be submitted in writing to dpo@harmonysasbank.com. We respond within 30 days. You may also lodge a complaint with the CNIL (www.cnil.fr).
Data Transfers: Data is stored exclusively on EU-based servers (France and Germany). We do not transfer personal data outside the EEA except where required by law (e.g., SWIFT international transfers). All sub-processors are bound by standard contractual clauses.
Data Protection Officer: dpo@harmonysasbank.com · Version 3.1 · Last updated 15 March 2025
Payment services are provided in accordance with EU Payment Services Directive 2 (PSD2, Directive 2015/2366) and French transposition (Ordonnance n° 2017-1252).
SEPA Transfers: Standard SEPA Credit Transfers (SCT) are processed within 1 business day. SEPA Instant Credit Transfers (SCT Inst) are processed in under 10 seconds, available 24/7/365 to participating banks. Maximum instant transfer amount: €100,000 per transaction.
SWIFT International Transfers: Available to 150+ countries. Processing time: 1–3 business days depending on destination bank and intermediary correspondent. SWIFT fees: from €15 per transfer (see current tariff schedule). OUR/SHA/BEN charging options available.
Transaction Limits: Default daily transfer limit: €50,000 for individual accounts. Business accounts: €200,000 per day. Limits may be adjusted upon request via your relationship manager. Transfers exceeding €10,000 are subject to enhanced AML review.
Declined Transfers: Harmony SAS Bank may decline or delay a transfer if: (a) insufficient funds; (b) the transaction triggers AML screening; (c) the beneficiary account is in a restricted jurisdiction; (d) suspected fraud. You will be notified by email within 1 business day.
Errors and Disputes: If you believe a transaction was executed in error, notify us within 13 months (consumer accounts) or 1 business day (business accounts) by contacting disputes@harmonysasbank.com. Unauthorised transactions are investigated within 10 business days.
Version 2.4 · Effective 1 July 2024
Harmony SAS Bank operates a comprehensive Anti-Money Laundering and Counter-Terrorist Financing (AML/CTF) programme in compliance with the 6th EU Anti-Money Laundering Directive (6AMLD), French Monetary and Financial Code (Art. L. 561-1 et seq.), and FATF Recommendations.
Know Your Customer (KYC): All clients must pass identity verification before account activation. We collect: government-issued photo ID, proof of address (utility bill / bank statement ≤ 3 months), selfie verification, and for business accounts: Certificate of Incorporation, UBO declarations, and corporate structure documents.
Enhanced Due Diligence (EDD): Applied to politically exposed persons (PEPs), clients from high-risk jurisdictions (FATF list), clients with complex corporate structures, and transactions above €10,000. EDD includes source of funds/wealth documentation and ongoing enhanced monitoring.
Transaction Monitoring: We operate a real-time transaction monitoring system that screens all payments against EU/UN/OFAC sanctions lists, detects unusual activity patterns, and flags high-risk transactions for manual review by our AML team.
Suspicious Activity Reporting: In compliance with French law, we report suspicious transactions to TRACFIN (Traitement du renseignement et action contre les circuits financiers clandestins) without notifying the client (tipping-off prohibition, Art. L. 561-22).
MLRO: compliance@harmonysasbank.com · Version 5.1 · Last reviewed January 2025
Your deposits are protected under the French Deposit Guarantee and Resolution Fund (Fonds de Garantie des Dépôts et de Résolution — FGDR) in accordance with EU Directive 2014/49/EU on deposit guarantee schemes.
Coverage Amount: Up to €100,000 per depositor per institution for cash deposits in EUR and all other currencies. For joint accounts, each account holder is protected up to €100,000 (i.e., up to €200,000 total for two holders).
Elevated Temporary Protection: Deposits resulting from life events such as property sale, marriage, divorce, or retirement may be covered up to €500,000 for 6 months from the date of deposit (Art. L. 312-4-1 of the French Monetary and Financial Code).
Investment Products: Securities, funds, and structured products held in custody are separately covered by the investor compensation scheme up to €70,000 per client (FGDR securities guarantee).
Exclusions: The following are not covered by deposit guarantee: deposits from credit institutions, financial holding companies, investment firms, government entities, and deposits relating to money laundering convictions.
Payout Timeline: In the unlikely event of bank failure, FGDR guarantees repayment within 7 business days of the determination date. Full details: www.garantiedesdepots.fr
FGDR Member No. FR-0042 · Scheme updated per EU Directive 2014/49/EU
We take client complaints seriously. Our complaints procedure complies with the French Insurance and Banking Mediation requirements and ACPR guidelines on complaint handling.
Step 1 — Contact Client Services: Contact our Client Services team by email (complaints@harmonysasbank.com), in-app chat, or phone (+33 1 40 00 12 00). We acknowledge all complaints within 2 business days and aim to resolve within 10 business days.
Step 2 — Escalation: If unsatisfied with the initial response, you may escalate to our dedicated Complaints Department at: Harmony SAS Bank, Service Réclamations, 15 Avenue de la Grande Armée, 75016 Paris. We provide a final response within 30 business days.
Step 3 — Banking Mediator: If the complaint remains unresolved after 60 days (or immediately if we confirm an impasse), you may contact the free, impartial Banking Mediator: Médiateur de l'Association Française des Banques (AFB), CS 151, 75422 Paris Cedex 09. mediateur@afb.fr
Step 4 — Legal Action: Disputes may be brought before the Tribunal de Commerce de Paris. Consumer clients may also access the EU Online Dispute Resolution platform at ec.europa.eu/odr.
Complaints policy version 2.2 · Effective 1 January 2025
Get in Touch
Whether you have a question about our products, need help with your account, or want to explore a business partnership — our team responds within 1 business day.