Open your business account online
The all-in-one account you can open in about 10 minutes
Mastercards, instant SEPA transfers, direct debits, and much, much more…
Invoices. Bookkeeping. Expenses. All in one place.
The banking advantages of an online business account
Unlimited transaction history and real-time expense tracking
Real-time expense tracking
Customizable debit cards
Worldwide transactions
7-day-a-week customer support
Recognized for quality
Qonto is a TÜV-certified, multi-year Fintech Germany Award winner that recently ranked 1st place for the German B2B award in 2022.
You’re in good hands
Payment methods that get the job done.
Instant SEPA transfers
Expand your business with SWIFT transfers and Instant SEPA transfers. Enjoy fast transfers with no hidden fees.
Sub-accounts
Control your cash flow with multiple sub-accounts. They even get their own dedicated IBAN.
Customizable cards
Set payment limits and parameters for your physical and virtual debit cards.
Expense management
Delegate your spend management to select team members with the Manager role.
Connect
Your favorite business management tools, now synched with your Qonto account.
Bookkeeping tools
Digitize your receipts, send automatic reminders and Accountant access. Paperwork? Handled.
Compare business accounts
While we can’t choose the right plan for you, we can certainly make it easier. Compare our offers with those of traditional banks to find the right fit.
A payment method for every occasion.
Business Mastercards
Physical cards, virtual cards, or even our premium metal X Card: the choice is yours.
Contactless mobile payments
With Apple Pay or Google Pay and you can make purchases anywhere with your smartphone. Just tap and go.
X Card: set your sights higher
Discover our exclusive metal card. Spend up to €200,000 per month with no foreign transaction fees when you spend abroad. With premium insurance and special offers like airport lounge access and concierge service all included.
Whatever your size, we’re the right fit.
Trusted by over 350.000 companies
Open a business account in 3 simple steps
No need for an appointment—it’s all online.
Open your digital business account and receive your IBAN in 10 minutes.
01
Enter your basic details
Fill out some basic information about you and your company.
02
Let us check your ID
Upload your ID and we’ll make sure everything is in order.
03
Your account is open
You now have an IBAN and can start ordering cards straight away. Get ready to start saving time and money with no hidden fees. If you need to transfer your existing bank account, we’ll be more than happy to help with that.
FAQs about opening your account
What is a business account?
A business account is an account provided by a banking or payment institution designed to simplify financial management for Freelancers, SMEs, Startups, and Associations.
Your Qonto business account
Qonto’s business account offers many advantages:
- 100% online: open your account in minutes, get your IBAN instantly and order your Qonto Mastercards from the app
- It helps make your accounting easier with automated receipt matching technology, personalized labels and more
- Enjoy integrated invoicing, cashflow and supplier management tools.
- Designed for teams: team members can manage their transactions according to parameters you set
- Integrated with the best 'fintech' and 'SaaS' (Stripe, Slack, Sage, Cegid...)
- Available and responsive customer support: 7 days a week, via chat, phone, and social networks.
What does a business account cost?
Qonto offers three plan “levels”, according to company size:
Freelancers
Basic €9/month (excl. VAT)
Smart €19/month (excl. VAT)
Premium €39/month (excl. VAT)
SMEs and Startups
Essential
€29/month (excl. VAT)
Business
€99/month (excl. VAT)
Enterprise
€249/month (excl. VAT)
Every plan comes with a current account with an associated physical Mastercard One Card, digital receipt storage, and top-rated customer support. For a full breakdown of what’s included in each plan, click here.
How do I open a business account online?
Opening a business account with Qonto can be done in three steps:
01 Enter your details
Fill out some basic information about you and your company.
02 Let us verify your ID
Upload your ID and we’ll make sure everything is in order.
03 Your account is open
You can now start ordering cards and making transfers.
