Open Europe’s no. 1 online business account

  1. Open a business bank account with a German IBAN in 10 minutes.
  2. Physical & virtual company cards, SEPA real-time and international transfers included.
  3. Integrated bookkeeping & interfaces with DATEV, sevdesk, and more.
  4. Flexible & customized business loans.
  5. Personal customer support 7 days a week.
1-month free trial.
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Europe’s leading business account. 500,000+ companies trust Qonto.

The right payment card for every occasion

Physical Mastercards

Physical Mastercards

Choose from a range of cards with comprehensive insurance. 1 x card is included free of charge with every plan.

Virtual Mastercards

Virtual Mastercards

Create virtual cards instantly. Set individual limits and give your employees maximum autonomy.

Metal X Card

Metal X Card

Discover the luxe X Card. Up to €200,000 spending limit per month, real exchange rates, premium insurance, and much more.

Flexible payment methods included in your business account

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SEPA instant transfers

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International transfers

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Apple Pay & Google Pay

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Mobile payment terminals

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Customized corporate loans

  1. Flexible financing between €500 and €1 million.
  2. Receive a reply within 48 hours.
  3. Have funds paid directly into your account.
  4. Individual conditions and terms from 1 to 12 months

The right plan for every company. Your business bank account, at a fair price

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Small businesses

White Tiles  Medium Business

Medium-sized businesses

White Tiles  Freelancers

Self-employed & Micro-enterprises

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Company Creators

Customer support that’s there for you - anywhere, 7/7

  1. Personal 7 day-a-week customer service via chat, email, or phone.
  2. Over 10,000 5-star reviews on Trustpilot.
  3. Among the highest customer satisfaction in the banking sector.
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A business bank account - and so much more

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Invoicing

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Expenses

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Bookkeeping

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Integrations

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Cash flow

Invoice management

Automated invoice collection and reading, GoBD-compliant storage. Manage your invoices digitally, directly in your Qonto business account.

With Qonto's invoice management, you can pay more easily - and get paid faster.

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Expense management

Create and track budgets, open sub-accounts and issue employee payment cards with individual limits, spending categories, and expiration dates. Delegate tasks to your employees - while maintaining full control over all expenses.

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Bookkeeping

Win back time on preparing your accounts, with our integrated tools. Transfer your bank data and receipts automatically and securely to your tax consultant with our DATEV interfaces RZ-Bankinfo, PIN/TAN, and receipt image service.

Give your accountant read-only access to get your books balanced quicker, and centralize your transactions and balances from other banks on Qonto.

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Integrations

Automate your financial management by linking all your favorite tools to your Qonto account, via our secure integrations and partner offers. Seamlessly connect your business account with DATEV, Lexware Office, sevdesk, Dropbox, Google Drive, stripe, and many more.

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Cash flow management

Analysis-ready charts, real-time alerts, and automatic transaction categorization help you navigate your cash flow with clarity. All the insights you need to make strategic decisions for your business - when it matters most.

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Company creation

Want to start your own business?

Qonto’s here to help you get started thanks to our 100% online company creation process, direct share capital deposit, and online business account.

How to open a business bank account

No appointments, no time-consuming bureaucracy. Open your business account online and get your German IBAN in around 10 minutes.

Open your account in approx. 10 minutes

Fill out some information on you, your company, and its partners.

We verify your identity

Submit a valid proof of identity and confirm your identity through a quick online identification video call.

Your account is open & your IBAN is ready

Choose the corporate card that suits your needs, get your German IBAN, and start using your business account.

You’re in safe hands

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Safely stored data

Storage and protection of your data under GDPR and SSL-encryption.

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Secure transactions

Thanks to 3D-Secure and double authentication.

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Deposit protection

Deposits covered up to €100,000 by the FGDR.

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Licensed institution

Qonto is a payment institution, supervised and regulated by the ACPR.

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Experts are on hand, 7 days a week - on chat, email, or phone

Hear from our customers

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black and white Photo Testimonial Simon Norman onGRID

FAQs about opening your business bank account

What is a business bank account?

What does a business account cost?

How do I open a business bank account online?

What are the benefits of a Qonto business bank account?

What documents do I need to open a business account?

Do I have to keep a separate business bank account?

How long does it take to open a business account with Qonto?

Can I open a company account outside Germany?

Who can open a business account with Qonto?

Ready to open your Qonto business bank account?