Qonto: the smart business account for your KG

Move your business up a gear with powerful features that help you manage your finances with ease. Less banking, more business.

Open an account
Compare plans
30-day free trial.

4.8

apple

on App Store

4.7

play_store

on Play Store

4.8

trustpilot

on Trustpilot

Over 500,000 companies trust Qonto.

An all-in-one toolkit

Make the most out of your Qonto account with a German IBAN, integrated invoice management, bookkeeping and spend management tools. All with a range of payment options like instant SEPA transfers, as well as physical and virtual cards included in your plan. Fairly priced, and 100% secure.

Compare plans
See how it works

You’re in good hands

Iconography Bank

Secure funds

Your money is safeguarded according to BaFin and ACPR 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

Stay in control of spending

Manage your expenses

Pay how you want

Physical and virtual cards for purchases in-store or online; lightning-fast transfers and direct debits
WEB Flow Mustard Cards Bento Headline Contactless Payment

Delegate to your team

Assign permissions to team members and set spend limits of up to €200,000/month per card
WEB Flow Mustard Cards Bento Headline Cards Limits

Keep spending separate

Stick to your budget with multiple sub-accounts you can organize by team, activity or expense item
WEB Flow Mustard Cards Bento Headline Multi Account

Digitize your receipts

Paper receipt? Scan it and we’ll certify and store it in-app. You can even add notes to transactions to stay on top of your bookkeeping.
WEB Flow Mustard Cards Bento Headline VAT Scanning

Advanced accounting

  1. Connect Qonto to your favorite accounting software in seconds
  2. Simplified tax filing through direct integration with DATEV Unternehmen online
  3. Automated transaction synchronisation with Lexware Office, sevdesk, and many more
  4. Give your accountant dedicated “read-only” access for even more autonomy
Connect your tools
Simplified bookkeeping
WEB Flow Sakura Hero TopicHighlight Bento Integrations Datev SevDesk Lexware

Join Qonto in 3 steps

Open your KG account in 10 minutes

Once your account is verified, your IBAN is ready

All set - you can send your first payment

Open an account
Contact our team

FAQ

What exactly is a business account for a KG?

The Qonto business account is a current account specifically designed for companies. 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.

Do I need a business account for my KG?

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.

If you’re looking to or have already set up a KG, there is no legal obligation to open an associated business account. However, since you are required to maintain double-entry books and prepare a balance sheet for your KG, we highly recommend opening a business bank account to make that process easier for you.

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;
  • type of business activity;
  • industry;
  • industry code;
  • number of employees;
  • ownership and company structure;
  • and most importantly - financial ratio projections.

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.

Can I upgrade my KG business account anytime?

With Qonto, you can update your plan anytime from your app (desktop and mobile).