The digital business account for your AG

Qonto is the all-in-one finance management tool that boosts your business. Enjoy customizable team accesses, Business Mastercards, sub-accounts and much, much more.

Open an account
Compare plans
30-day free trial.

4.8

apple

on App Store

4.7

play_store

on Play Store

4.7

trustpilot

on Trustpilot

Over 500,000 companies trust Qonto.

Your all-in-one finance management app

Whether you’re in the office or on the go, you can make payments, create and send invoices, track and delegate your team spending, and even prepare your bookkeeping directly from your Qonto app. All fairly priced and 100% secure.

Compare plans
See how it works

You’re in good hands

Iconography Bank

Secure funds

Your funds are protected according to the applicable rules and regulations
Iconography Security

Guaranteed deposits

Up to €100,000 by the French Deposit Guarantee and Resolution Fund
Iconography Locker

Data protection

Your personal data is protected under GDPR and is SSL-encrypted
Iconography Coverage

Always up to standard

Our security protocol is regularly audited by external specialists to make sure your account is safe

Bookkeeping that saves you time

Accountant access

Give your CPA autonomous, read-only access to all the data they need

Centralized tools

Digital receipts, invoicing tools, automatic VAT detection, supplier invoice management - all in one place.

EN-DE UI Topic Highlight Transactions Accountant View.png
Discover bookkeeping

Everything you need to pilot your finances

070257e7 b728 45d7 b466 70f385809a37 mint cards article card control

Corporate Mastercards

Create cards and users as needed with individual permissions
cf85411d 1c09 4b77 b8ae 15c32d79860f de mint cards article scan tva

Digital receipts

Attach receipts to transactions. Categories and notes, too.
04f308cc 9d0f 4420 a618 343392325743 mint cards article access

Customizable accesses

Delegate tasks to your team with the Manager role
4a88cfe9 fdf0 41d8 a018 58a7ef466894 en mint cards article multi account

Multi-accounts

Set aside funds for taxes or future projects, or easily separate team expenses with additional sub-accounts
Manage your expenses

What our customers are saying

black and white Photo Testimonial Anna Rosinski Außenwirtschaftsbüro
“We’re glad that we took the step to Qonto. Their customer relations are great and our feedback is taken seriously and implemented. In autumn 2020 we asked for a DATEV interface - in April 2021 the integration went live. Which bank can claim to be able to implement proposals so quickly?”
Anna Rosinski -, Office Manager Außenwirtschaftsbüro Rosinski KG

A plan for every stage

Basic

Starting from

€9

/month (excl. VAT)

A business account with built-in invoicing tools for simple day-to-day finances.

Choose

1-month free trial

Smart

Popular

Starting from

€19

/month (excl. VAT)

Advanced business banking, invoicing and bookkeeping tools, and direct accountant access.

Choose

1-month free trial

Premium

Starting from

€39

/month (excl. VAT)

High-volume business banking, invoicing, bookkeeping, and priority customer service.

Choose

1-month free trial

Compare plans in detail
Icon Tag Lightning

Add-ons

Take your plan further

Customize your business account with finance Add-ons to meet your company’s unique needs.

See available add-ons

Ready? Let’s go.

Whether it's to examine the specific needs of your KG, or to go over the benefits of Qonto's tools and features, we're here for you.
Open an account
Make an appointment

FAQ

What exactly is a business account for a AG?

The Qonto business account is a current account specifically designed for companies like AGs, GmbHs or GmbH & Co. and KGs. Just as with a personal current account, you can make and receive payments, only business accounts generally come with additional services that help support the company’s day-to-day finance management.

What documents do I need to open a Qonto account?

To open a business account with Qonto, you need the following information:

  • legal name;
  • type of company (legal form);
  • registration date;
  • your Handelregisternummer;
  • your VAT number (optional).

Additionally, for identification purposes we’ll need you to perform a video identification test via our partner, IDnow, where a consultant will check your identification documents online in real-time.

Do I need to open a business account for my AG?

For most entrepreneurs it makes sense to open a business account for their company, if only to keep personal and business finances separate. Not only does it prevent any misattributions of funds, but come tax declaration time it makes it that much easier to outline your business’ financial activity, as well as provide justification when necessary.

However, if you’re looking to or have already set up an AG, there is a legal obligation to open an associated business account for it.

Which Qonto plans are suitable for AGs?

Qonto offers three plan “levels” by company size. For AGs, we offer the following plans:

SMEs and Startups

Essential

€49/month (excl. VAT)

Business

€99/month (excl. VAT)

Enterprise

€199/month (excl. VAT)

Every plan comes with a current account, 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.