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 €29/month (excl. VAT) Business €99/month (excl. VAT) Enterprise €249/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.

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.

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Over 400 000 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.

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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.

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Everything you need to pilot your finances

Corporate Mastercards

Create cards and users as needed with individual permissions

Digital receipts

Attach receipts to transactions. Categories and notes, too.

Customizable accesses

Delegate tasks to your team with the Manager role

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

“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