Black Friday? Think bigger.

If you open your account between 21 October and 30 November 2026 inclusive, you'll receive a €250 welcome bonus as a new customer (conditions in the next question) and the Plus card free for 3 months. The 3 free months start from the date you order the card. After that, the Plus card costs the standard €8 per month excl. VAT, as stated in our pricing terms. The offer applies to one Plus card per company. Existing customers who switch to the Plus card by 30 November also get it free for 3 months. As a new customer, you can also try your plan free for 30 days. Customers eligible for the Company Creators special offer (share capital deposit or purchase of a UG, GmbH, holding, or GbR incorporation package) are not eligible. Solo Creators are eligible. Full terms and conditions

Open your account between 21 October and 30 November 2026 inclusive and spend at least €800 with your Qonto card in each of your first 3 calendar months. The €250 will be credited to your account in month four. The offer is available on all plans for new customers who have never had a Qonto account; it is capped at €250 per company. The following are excluded: cash withdrawals, gambling transactions, cash-equivalent transactions, payments for financial services, payments debited on the 1st of the following month, reversed or refunded payments, and payments to affiliated companies.

These products are subject to specific requirements and a review by Qonto. Opening an account or using the offer does not guarantee access to financing. Among other criteria, your company must have been registered for at least 6 months. For installment payments: if you have been using Qonto for less than 3 months, connect an external business account so we can assess your eligibility. We regularly reassess your eligibility based on your company data and account activity. You can see what's currently available to you in the "Financing" section of your app. All terms and conditions can be found at the bottom of this page.

How our credit products work

Yes, with the Plus Credit card or the X Credit card, subject to eligibility: your card payments for the month are collected and debited in one amount on the 1st of the following month.

• Cash withdrawals and certain other transactions are debited immediately.
• Make sure you have sufficient funds in your account on the debit date, otherwise late payment fees will apply.
• Only one such card is available per company; it is reserved for account holders and Admins.
• All terms and conditions can be found at the bottom of this page.

How do I find out if I'm eligible?

• The Pocket terminal costs €99 and the Pro terminal €199, both excl. VAT. Within Germany, we typically deliver within two business days.
• Each card payment is credited to your account the next business day.
• With Tap to Pay, your phone accepts contactless payments as soon as it's set up — on iPhone and Android.

Order a terminal

Visa, Mastercard, Apple Pay, and Google Pay — at terminals, girocard (EC card) is also accepted.

On paid plans, the standard rate is 0.8% per transaction for EU cards and 2.6% for corporate cards and cards issued outside the EU. The first five payments after activation are fee-free.

Invest idle funds directly from your business account in money market funds. Available for GmbHs and UGs from the Smart plan; activation is reserved for account holders. This is an investment, not a savings or deposit product: returns are variable and not guaranteed, the value of the investment can go up or down, and partial loss of the capital invested is possible.

How do I invest with Qonto?

Yes, with the Plus card: earn 0.4% cashback on eligible card payments, up to €15 per month. Cash withdrawals, certain merchant categories, and payments debited on the 1st of the following month are excluded.