Nirio, services de paiement vVARY

📲Download the Nirio app to open an online account in minutes and benefit from our Visa cards with systematic authorization. Over 450,000 downloads already in France!

More than just an online account, with Nirio you also benefit from convenient services within a unique new network of nearly 9,000 Nirio-approved FDJ payment points.

Nirio is commitment-free, with no hidden fees and no income requirements.

By subscribing to Nirio, enjoy numerous daily benefits:

PAY – Your spending under control 💳
- Have an account with a French IBAN and no overdraft facility
- Manage your online and in-store purchases and expenses with your Visa card, usable throughout France and internationally
- Take advantage of instant transfers to send and receive money for free, in seconds
- Pay with your mobile via Google Pay and Samsung Pay
- Secure your online payments with single-use or multi-use virtual cards

MANAGE – Your budget in real time 📊
- Deposit and withdraw cash at participating Nirio-approved Bar-Tabac-Presses
- Understand and analyze your spending with automatic categorization for better budget management
- View and manage your Visa card's payment and withdrawal limits
- Set goals to optimize your budget and manage your money
- Receive real-time alerts on Certain thresholds (low balance, spending limits) and transactions to avoid payment refusals

SAVE – Projects that move forward 🎯
- Get money back automatically, thanks to automatic cashback, on every purchase made with your Nirio card online and in-store at over 100 partner retailers (2)
- Set aside money with project accounts to finance your projects, big and small
- Find challenges to save automatically and easily each month
- Benefit from numerous tips and tricks for managing your finances daily

ENJOY – Useful services 💰
- Pay your bills in cash or by bank card at participating Nirio-approved Bar-Tabac-Presse outlets (3)
- Pay all your eligible bills in one go or in installments depending on the due date: rent (social housing providers), water bills, energy bills, airline tickets, insurance, CROUS CVEC fees, etc. (3)

- Gain more freedom every day thanks to extended opening hours and days to best suit your routine.

Open your account online in minutes:
1️⃣ Download the Nirio app and choose the offer that best suits your needs.
2️⃣ Create your account with a valid ID.
3️⃣ Start enjoying the Nirio experience.

Our NIRIO offers:
- ACCOUNT: a free virtual card (1) to manage the essentials with complete freedom (account with French IBAN, mobile payment, etc.).
- PLUS ACCOUNT: an account to go further and boost your budget (automatic cashback, project account, etc.).
- BILLS: to pay only your eligible bills (3)(4) (included in all offers).
- (TOLL: you don't need to download the Nirio app, go directly to an authorized FDJ retailer).

Enjoy customer service based in France, ready to help simplify your daily life.

Nirio, the account that offers you freedom & savings.

Nirio is a payment service from the FDJ UNITED group.

(1) Free virtual card subject to at least 3 payments per month, otherwise €1.99/month.
(2) Subject to meeting the eligibility, availability, and offer terms and conditions.
(3) List of partners available in the app or on Nirio: bill payments, contactless payments - FDJ Group.
(4) To use only the Bills service, select Nirio Bills when registering.