Business account. Finance management. Company creation.
Boosted by AI - quietly speeding things up, never acting without you.
Qonto is an official DATEV partner and TÜV certified.
Business account, AI-powered.
Human support in English
Investments
Earn up to 2 % p.a. variable return (not guaranteed) + 3% p.a. new-customer bonus for your first 90 days.
Now with a welcome bonus
Get up to €600 bonus as a new customer – depending on your plan. Only until 30.09.
Business cards with cashback
Mastercards with up to €360 cashback per year – automatically activated on eligible cards.
Credit suite
A range of working capital solutions, integrated into your business account.
Qonto AI. Your choice, your control.
Agents, inside Qonto
Ask Agents directly inside Qonto, right within the workflows you already use.
MCP, in your AI tools
Connect Qonto MCP to the AI tools you already work with every day.
Visibility & accountability
AI drafts the work, you review & approve. All actions logged and traceable.
Smart finance tools for your business
Easy cash flow control, with real-time analysis & forecasting.
Create quotes & invoices quickly, then manage them efficiently.
Manage team expense receipts & reimbursements in one digital hub.
Connect directly to DATEV & other tools to automate finance processes.
Keep all your tools connected
Connect over 2,000 external tools & accounts directly to Qonto - let all your data sync automatically.
Business creation made simple.
100% digital
Launch your new company in a matter of clicks. Enjoy an online process that cuts out red tape.
Personalized support
Get expert guidance at every step of the process — and human support whenever you have questions.
Quick set-up
With a fully digital process, your business registration takes days, not weeks.
Our customers say it best
"We recommend Qonto to our clients and have also opted for a Qonto account for our tax consultancy holding company. We were particularly impressed by the fast account opening process and the connection to DATEV."
Jan Dittscheid, Tax Advisor and CEO, Insight Tax
"I’m always on the move, so Qonto's flexibility is perfect for me. On my Apple Watch, iPhone — wherever. With clients, on the train, at the yoga studio. Qonto works wherever I am."
Julia Kounlavong, Founder & CEO, unwind your mind
"Our Qonto business account is directly connected to DATEV, so our tax advisor has direct access to our data without us having to do anything"
Simon Norman, Founder & CEO, onGRID
"Switching to Qonto was one of the best decisions for managing our financial admin. Qonto has streamlined our payments and given us complete control over our finances."
Marc Peter Dauter, CEO, Le Wagon GmbH
"With Qonto, everything is super simple and fast - from opening an account online, to instant transfers and excellent customer service."
Charlotte Piller, Co-founder, Lotta Ludwigson
Customer funds are legally protected
Regulated as a financial institution
Advanced cybersecurity & data protection