Qonto: the all-in-one business account for your OHG

Boost your business with customizable team accesses, Business Mastercards, sub-accounts and much, much more.

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Over 500,000 companies trust Qonto.

Accelerate your admin

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.

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You’re in good hands

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Secure funds

Your money is safeguarded according to the applicable rules and regulations
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Guaranteed deposits

Up to €100,000 by the French Deposit Guarantee and Resolution Fund
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Data protection

Your personal data is protected under GDPR and is SSL-encrypted
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Always up to standard

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

Bookkeeping made easy

  1. Give your accountant dedicated, read-only access to your account for safe, autonomous data retrieval.
  2. No more chasing down paper receipts. Scan them, and we’ll certify them to comply with GoBD standards.
  3. With our integrated invoicing tool you can create, send and track customer invoices all in one place.
  4. Upload supplier invoices to match them to transactions, manage deadlines and plan for payments.
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Everything you need to pilot your business

Corporate Mastercards

Order and create cards as needed. Physical, virtual - or even pay from your phone.
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Individual budget limits

Set budget limits of up to €200,000/month per card.
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Multi-accounts

Set aside funds for taxes or future projects, or easily separate team expenses with additional sub-accounts.
Separate your spending
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Digital receipts

Attach receipts to transactions. Categories and notes, too.
Easy bookkeeping
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Customizable accesses

Delegate tasks to your team with the Manager role.
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With you every step of the way

At Qonto, you can adjust or cancel your plan directly from your app. Try it free for 30 days and see for yourself.
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Ready? Let’s go.

Open your OHG-account in 10 minutes

Once your account is verified, your IBAN is ready

All set - send your first payment

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FAQ

What exactly is a business account for a OHG?

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 to open a business account for my OHG?

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 OHG, 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 OHG, we highly recommend opening a business bank account to make that process easier for you.

What kind of documents do I need to open an account for my OHG?

To open a business account for an OHG 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.

Which options of business accounts are available for OHGs?

Qonto offers three plan “levels” by company size. For OHGs, 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.

Can I upgrade my OHG account anytime?

You can upgrade or downgrade your Qonto plan anytime via your desktop or mobile app. Simply login, click Settings & Tools, then Account settings, then Price plan details to make any changes.

Is holding a business account for my OHG worth it, even if it’s only meant to be a side business?

While opening a OHG is a common solution for those looking to make additional income on the side or try out a new business idea, it doesn’t have to be expensive. Qonto plans for companies like OHGs start at €49 per month.