Sogexia
Sogexia is a EMI / neobank (prepaid mastercard + payment account) issued on Mastercard, rated 7.5/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Sogexia is the strongest fit for all-rounder and ad spend, and asks for ID + proof at signup — we carry it at low (CSSF-regulated payment institution) risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Sogexia · EMI / Neobank (prepaid Mastercard + payment account) |
| Official site | https://www.sogexia.com |
| Best for | All-rounder · Ad spend |
| Network | Mastercard |
| Rating | 7.5/10 (4.0★, 809 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Plastic €9.90; Metal €49.90 (Classic promo €2.75/yr) |
| Monthly / annual fee | €0 (plastic); Metal €9.90/mo |
| Top-up (deposit) fee | Card load 2.50%; Cash deposit €0.90+4%; Inco… ··· |
| FX / conversion fee | Plastic 2.95% (foreign currency); Metal Free |
| Declined transaction fee | Plastic denied €0.25; Metal denied Free |
Verification and risk
| KYC required | Yes (ID + documents via customer area; account opening online) |
| Risk level | Low (CSSF-regulated payment institution) |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes (SEPA/SWIFT, FR+LU IBAN) |
| Alipay / WeChat Pay | No |
| Cards per account | Additional cards available |
Billing
| Billing address | Registered address (FR/LU) |
| Billing country | France, Luxembourg |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes |
| Meta / Google Ads | Yes |
What the issuer states on its own site
- Cash deposits into your payment account up to €1,500 / month.
- % pay-as-you-go. No overdrafts, no premiums, no hidden fees.
Source: https://www.sogexia.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 224123 | Mastercard | France | Prepaid | 101 | 71 | 70.3% |
We logged 71 cleared charges out of 101 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Other Mastercard virtual cards
Frequently asked
What does Sogexia cost to run?
The cost lines stack like this: issuing it costs Plastic €9.90; Metal €49.90 (Classic promo €2.75/yr); the recurring charge is €0 (plastic); Metal €9.90/mo; top-ups cost Card load 2.50%; Cash deposit €0.90+4%; Incoming transfer 0.45-2.00% (sliding); conversion is priced at Plastic 2.95% (foreign currency); Metal Free. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Sogexia?
Sogexia asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (ID + documents via customer area; account opening online)
How can I fund Sogexia?
You can fund it with bank transfer (SEPA/SWIFT, FR+LU IBAN). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Sogexia need?
Setting it up: the billing address type is Registered address (FR/LU); cards are issued against France, Luxembourg; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Sogexia work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, Netflix and Spotify, the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Sogexia trigger 3-D Secure?
Yes. Sogexia supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Sogexia?
The issuer allows Additional cards available. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.