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.
30-day free trial. Cancel anytime.
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Europe’s leading business account. +450,000 companies trust Qonto.

The right payment card for every occasion

White Cards All Physical Cards

Physical Mastercards

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

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White Cards Virtual Card

Virtual Mastercards

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

Create virtual cards
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Metal X Card

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

Discover the Metal X Card

Flexible payment methods included in your business account

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SEPA instant transfers

Purple  Tiles Swift transfer

SWIFT transfers

Purple  Tiles Apple Google Pay

Apple Pay & Google Pay

White Tiles POS Sumup

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 ISO Tiles Medium Business

Medium-sized businesses

White ISO Tiles Freelancers

Self-employed & Micro-enterprises

White ISO Tiles Company Creators

Company Creators

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

  1. Available 7 days a week, 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

Invoice management

Ui Topic Advanced Supplier Invoicing

Expense management

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Ui Topic Advanced Bookkeeping Accountant View Connect
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Creating your own business?

How to open a business bank account


Open your account in approx. 10 minutes


We verify your identity


Your account is open & your IBAN is ready

You’re in safe hands

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Safely stored data

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

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Secure transactions

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Thanks to 3D-Secure and double authentication.

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Deposit protection

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

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Licensed institution

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

FAQs about opening your business bank account

What is a business bank account?

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What does a business account cost?

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How do I open a business bank account online?

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What are the benefits of a Qonto business bank account?

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What documents do I need to open a business account?

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Do I have to keep a separate business bank account?

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

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Can I open a company account outside Germany?

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Ready to open your Qonto business bank account?

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