Blog
June 2026 · 6 min read
Leetchi takes 2.9% on every payment. On a fund of €500, that is €17 gone in fees before you have touched a thing.
And yet there is a way to collect money online without losing a single penny to commission. This guide compares the main group-fund platforms available in France in 2026 — real fees, payment methods, and what you actually receive.
The “free” promise is not always what it seems. Some platforms are free to set up but take a cut on every payment. Others charge for withdrawing the funds. Here is what you actually pay.
* Calculations based on 20 participants paying €25 by card. Leetchi fees: 2.9% × €500 + €0.25 × 20 = €19.50. Pot Commun: 2.9% collection + 1.9% withdrawal = €24. Source: official pricing pages, June 2026.
The answer is simple: Filomy does not process the payments. Rather than routing the money through its platform (which would require a payment-services provider licence and banking fees), Filomy displays your direct payment details — your Wero number, your IBAN, your Lydia link — and lets participants pay you directly.
Participants pledge an amount on the space's page. You manually confirm the payments received. The system works like a pledge visible to everyone, which creates positive social pressure to honour one's commitment — without ever going through a clearing house.
This model has an often-underestimated advantage: it works with every payment method imaginable. Would your grandparents rather pay in cash on the day? Perfect. Does your colleague want to write a cheque? No problem. You bring it all together in the same space.
The most common occasion. Whether it is for a 30th, 40th, 50th or 60th, a collective fund makes it possible to finance a more meaningful gift than a €20 envelope multiplied by the number of guests. On Filomy, the fund is built into the event's memory space — participants contribute both with a message and a financial pledge.
A collection among colleagues, often under tight time constraints (a week to organise it). A fee-free fund avoids the awkward questions such as “but how much does Leetchi take?” before you have even begun. Tracking the pledges lets you discreetly remind those who have not yet paid.
The wedding registry is changing. More and more couples prefer a travel fund, a home-renovation fund or a honeymoon fund to the classic list of items. On amounts that are often high (several thousand euros), Leetchi's 2.9% adds up to a significant sum. Saving those fees makes it well worth using a different tool.
The same logic as retirement, but without the emotional dimension. The tool needs to be quick to set up, easy to share by link and require no account to take part. The Filomy group fund meets all three criteria.
Create your free group fund now
0% fees · Wero, transfer, cash, cheques · No account for participants
Create my group fund →Create a memory space
Give your event a name ("Sophie's birthday", "Marc's send-off") and choose a visual theme. The space is created in 2 minutes, free of charge.
Enable the Group Fund section
In your space, enable the Group Fund module. Enter your details: Wero number, IBAN for transfers, Lydia link if you use it. Set a target if you wish.
Share the link
Copy your space's link and send it by text, WhatsApp or email. Participants pledge an amount, choose their payment method, and you receive the money directly.
Is there an online group fund that is truly free and fee-free?
Yes. Filomy offers a group fund that is 100% free and has no platform fees. Unlike Leetchi (2.9% + VAT on every card payment) or Pot Commun (variable fees), Filomy takes no commission at all. Participants can pay by Wero, Lydia, bank transfer, cheque or cash.
How much does Leetchi take on a group fund?
Leetchi charges 2.9% + €0.25 per transaction on bank-card payments. On a fund of €500 (20 participants at €25), that amounts to roughly €17 to €20 in fees withheld directly from the sum collected.
What is the best fee-free alternative to Leetchi?
Filomy is the leading fee-free alternative to Leetchi in France. It works differently: rather than processing the payments, Filomy displays your direct details (Wero, IBAN, Lydia) and participants pay you directly. 0% commission on the entire sum collected.
Can you run a group fund without participants having an account?
Yes. On Filomy, participants do not need to create an account to pledge an amount. They reach the page via a link, enter their first name and their pledge, and choose their payment method. Zero friction.
How does payment tracking work without going through Stripe or PayPal?
Filomy works on the principle of "pledges". Each participant commits to an amount that is visible to the organiser. The organiser manually confirms the payments received (by ticking them off in their dashboard). It is more flexible than automated platforms and compatible with every payment method.
Ready to create your group fund?
Free · 0% fees · 2 minutes to get started
Create my group fund for free →Or learn more about the Filomy group fund →