Open your founder’s account with Qonto

Do you have any questions about founding a company? Our partner  Firma.de  supports founders of all industries in all work processes with one goal: to enable young start-ups to get started quickly, safely and cost-effectively. It has never been so easy to found your own company.

Firma.de provides you with experts who will accompany you every step of the way to successfully found your company. Present your business idea – Firma.de will get back to you with an expert plan for founding your company.

After we have verified the information about your company and, if applicable, shareholders, you will be invited by email to pay the capital contribution(s). You will receive a temporary IBAN with which you can simply pay your share capital into your Qonto account via SEPA transfer .

Please note the following information regarding paying in your share capital:

✓ The amount of paid-up share capital must correspond to the amount specified in the Articles of Association.

✓ If the capital contribution is made by several shareholders, they must each pay their capital contribution individually, as mentioned in the notarial documents.

✓ The respective capital contribution must be transferred from an account held in the name of the partner concerned.

You can track the status of your share capital contribution at any time via the Qonto app. As soon as your deposit(s) have been received, we will verify them and issue you with an account statement within 24 hours as a deposit confirmation for the notary. This document can also be sent directly to your notary office if you wish.

Have your notarial documents with seal ready. Then enter your information, upload your founding documents and, if available, enter your shareholders. This step only takes a few minutes. We then verify your information, usually within 24 hours. You can then transfer the share capital via a temporary IBAN. As soon as the share capital has been fully credited to your Qonto account, we will issue you with a deposit confirmation for submission to the notary within 24 hours. If your company is entered in the commercial register, simply upload your extract from the commercial register to the Qonto app. After a short verification of the same, we will then activate your account.

If you want to found a company, you should be well informed about the individual steps involved:

✓ Planning a start-up

Define what kind of company you want to start. Many aspiring entrepreneurs seek professional advice on this. You record your business idea including market analysis, industrial property rights, goals and organization in a business plan.

✓  Formally set up

In the case of a GmbH or UG being founded, the articles of association need to be drawn up. The legal form, managing directors, shareholders and their share in the company’s share capital will be listed in the agreements in the articles of association. You can have the articles of association notarized during an appointment with the notary.

✓ Open a business account

Now pay in the share capital for your GmbH or UG. For a GmbH, this amounts to at least €25,000. When setting up, you have to pay 50 percent of this sum, i.e. €12,500, into the business account as start-up capital. A capital contribution of one euro is sufficient to set up a UG.

✓  Entry in the commercial register

With the confirmation of your share capital contribution, your notary can now initiate the entry of your GmbH or UG in the commercial register. The responsible district court then sends a confirmation that it is formally entered in the commercial register. This will also activate your business account.

✓ Business registration

Your GmbH or UG is officially legally competent and you can start operations. The next formal steps: among other things, you must register the new company as a trade. In order to register with the Trade Licensing Office, you must also be a member of the Chamber of Industry and Commerce (IHK) responsible for you.

✓ Apply for a tax number

You must also register your company for tax purposes. This is also important for you, as you need a tax number from the tax office with which you can issue invoices.

💡  Find out more about the advantages and disadvantages, possibilities, duration and requirements for founding a GmbH or a UG

With Qonto you can open your business account easily and 100% digitally. As a rule, your account is ready for the payment of the share capital in just 24 hours, so that you can quickly complete the founding of your company. An online business account makes financial management and bookkeeping easier for you right from the start:

5 star customer service

Our customer support will answer all your questions in less than 15 minutes on average .

No hidden fees

You won’t pay any extra, hidden banking fees. Our prices are 100% flexible and transparent.

Premium Mastercard cards

Pay securely online and in-store anywhere in the world. You can change the PIN codes, spending limits and authorizations of the Qonto cards at any time if necessary.

Smart tools  for efficient  financial management

• Individual account access
• Send transfers via app
• Set up direct debits at the click of a mouse
• Push notifications after each payment
• Automatic categorization of your transactions

Paperless accounting

Simply scan your paper payment receipts with your smartphone. Qonto authenticates your receipts and saves them in your account in accordance with GoBD. The automatic VAT registration also helps you to save time. These and more tools make your bookkeeping much easier.

Discover all  the benefits  of Qonto's accounting tools.

Transparent & non-binding

All of our Qonto plans are non-binding, our account management fees are transparent and you won’t find any hidden additional costs. You can cancel your subscription at any time.

Compare Qonto to online and traditional bank offers (cost, cards, features) to help you make your choice.

Separate the finances of your different activities

Set up sub-accounts, each with their own IBANs, to separate expenses, manage activities separately and create budgets for your teams.

With Qonto, you save time and energy managing your finances from Day 1 of your new business.