Online business banking comparator

Compare Qonto and other business banking services. Comparison was made on March 4, 2022.

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4.7

apple

on App Store

4.7

play_store

on Play Store

4.8

trustpilot

on Trustpilot

Over 600,000 companies trust Qonto.

Qonto’s online business account

  1. Simple finance management, 100% online
  2. A German IBAN in around 10 minutes
  3. Up to 5 Mastercard business cards included
  4. Worldwide money transfers (SEPA and SWIFT)
  5. VIP customer service by email, chat or phone
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The all-in-one account that boosts your business

Open your account in a few minutes, without an appointment and totally online.
Total account transparency. No hidden fees, guaranteed.
Choose the account plan that fits your business model.
We’re here to help. Our customer service team is available 7 days a week.
Qonto
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Company formation



Einzelunternehmen (e.K / e.Kfm / e.Kfr), GmbH, GmbH i.G., gGmbh, UG, UG i.G., gUG, AG, AG & Co KG, GmbH & Co. KG, AG & Co oHG, UG & Co. KG, oHG, GmbH & Co. oHG, KG, KGaA, GbR


Einzelunternehmen, Gewerbe, Freiberufler:innen, GmbH in Gründung, GmbH, UG in Gründung, UG

Monthly pricing


From €9

From €6

Card payments

In euros

Unlimited

Unlimited

Card payments

Outside the EUR zone

From 0% to 2%

Per Transaction (Card type depending)

2 %

per transaction

Card payment limits

Up to €200,000

per card, per calendar month

Up to €40,000

per month

Google Pay / Apple Pay


-

Cash withdrawal fees


Free, or €1

(Card type depending)

Free, or 2.5%

(Plan depending)

Cash withdrawal amount limits


Up to €15,000

per card / per calendar month

€3,000

per card / per 30 day period

SEPA transactions

In euros

International transfers

Outgoing via SWIFT

1%

per transaction

-

International transfers

Incoming via SWIFT

Solo: €5 Standard & Premium: free

per transaction

-

Direct debits

SEPA basis and company direct debits

Card types

Your choice of: Mastercard debit Mastercard world Business debit

Business Mastercard (Debit)

Customer service

Response within 15 minutes

via email, chat, or telephone

N/A

Sub-accounts

-

Certification of digital documents

GoBD-compliant

-

DATEV interface

-

Account overdraft

-

-

German IBAN

Integrated accounting tool

see prices
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How do online banking comparators work?

Business finance management solutions and online-only banking solutions don't necessarily own the same licences as traditional banks. However, they can offer similar services for a business account: payment cards, a local IBAN, real time payments etc. They also have an edge in that they are digital only. You don't need to make an appointment to open a business account or to deposit your share capital. You can use the same services, but in a more convenient way.

Besides fees, you will also want to compare the bookkeeping services that online banks can provide. All entrepreneurs who have experience of doing their accounting will be able to confirm that it's an energy- and time-consuming task. Having the opportunity to execute it via a banking service will help you focus on your business.

It's important to compare bank fees. Indeed, online banks don't offer the same price plans and they might vary significantly from one to another. Besides the account opening fees, some extra costs could apply for special features or options. A good indicator of your needs is the legal form of your company.

Customer service is key when it comes to online banks. You have to make sure someone will be able to answer your questions when you need them to. To compare the different customer services, an entrepreneur can always consult reviews online, but a qualitative comparator will help to identify the most appropriate ones.

Ready?

Are you ready to open a business account for your company? Whether you're a self-employed contractor or a small business with a team, Qonto can provide the business account you need.
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