Deposit your share capital, 100% online

A company or business account is an account that is specifically intended for companies and the self-employed. Only business income and expenses are transferred via a company or business account.

It is similar to an account for private individuals, but usually contains more extensive functions. The basic function remains the same: making and receiving payments. This means that the entrepreneur's business and private finances are kept clearly separated.

As a rule, a founder's account is opened in the early stages of a start-up’s existence.

Read more about the differences between a private account and a business account here.

Your Qonto business account

Qonto offers fast and easy online banking and innovative financial tools for entrepreneurs, start-ups, the self-employed and freelancers.

Your Qonto business account offers the services of traditional banks, such as payment cards, SEPA real-time transfers, international payments, Apple Pay and Google Pay, and many more.

You can also manage your finances 100% online - whether you work alone or in a team. At Qonto, you'll find time-saving accounting tools that make managing your business finances simple and clear.

Compared to traditional banks, the Qonto business account offers numerous additional functions such as sub-accounts, additional account access, digital expense management, budgeting software and financial reporting, with which you can analyze your payment transactions and optimize your finances.

After each payment, simply take a photo of the corresponding invoice by smartphone. It’ll then be attached to the transaction via the app. You can give your accountant tailored read-only access to your account and seamlessly connect your favorite accounting integration to Qonto. This way, your tax return will be prepared and ready to file.

You can open a Qonto business account if you:

- are a managing director of the company concerned, or,

- have power of attorney.

The list of company types accepted by Qonto can be found here.

The following companies in formation can also open a Qonto business account and deposit share capital:

- Limited liability company (GmbH i.G.).

- Non-profit limited liability company (gGmbH i.G.).

- Entrepreneurial company (UG i.G.).

- Non-profit entrepreneurial company (gUG i.G.).

The company in formation’s registered office must be located in Germany. If one of the shareholders is a legal entity - i.e. a company - it must have its registered office in one of the following countries: Germany, France, Spain, or Italy.

The documents needed to open an account with Qonto depend on the legal form of your company.

Already registered companies usually need to provide the following documents:

1. Proof of identity in the form of an identity card or passport.

2. Proof of business activity, depending on your company’s legal form, e.g. a current commercial register excerpt for corporations like GmbH or UG, a trade license for sole proprietors, an official letter from the tax office for freelancers, or a partners’ agreement or GbR contract for GbR.

3. Power of attorney from management, unless you are a managing director. If applying with power of attorney, you will also need proof of the managing director's identity.

Depending on the banking provider or company’s legal form, further documents may be required.

You don't need an appointment to open a Qonto business account. Simply set up your business account online - when and from where you want.

The simple account opening process takes just a few minutes. With just a few clicks, you can customize your business account to suit your individual needs.

If you have any questions, please contact our team. We will respond quickly and answer any questions you might have. You can also access a free trial via a demo, if you want to test out a digital business account with Qonto.

To open a business account, you must be the director(s) of your company (as stated in the company's articles of association). If you set up the account using a power of attorney from your company’s management, we need proof of identity from both you and the managing director(s).

Want to hear from Qonto customers? Read some of our customer’s views here.

You can also head to Trustpilot and see for yourself how satisfied they are.

Qonto is built around providing fast and straightforward solutions. That's why applying for a business account with Qonto usually only takes about 10 minutes. You can open an account online and from the comfort of your desk - no appointment needed.

Please note that we are legally obliged to carry out a regulatory check for every account being opened.

While we do this, you will have access to your online account, banking software, and your German IBAN.

View prices here and open your Qonto business account today - try it free for 30 days.