Make your business cash work

Your return depends on your Qonto plan. The yield shown is the fund's current yield minus your plan's service fee. Based on the fund's current yield, the standard yields are:


• Smart: up to 1.14% p.a.
• Premium: up to 1.34% p.a.
• Essential: up to 1.54% p.a.
• Business: up to 1.74% p.a.
• Enterprise: up to 1.94% p.a.


As a new customer, you also earn an additional 3% p.a. promotional bonus for your first 90 days, on your first investment up to €100,000 — so during these first 90 days your total annualised yield is:


• Smart: up to 4.14% p.a.
• Premium: up to 4.34% p.a.
• Essential: up to 4.54% p.a.
• Business: up to 4.74% p.a.
• Enterprise: up to 4.94% p.a.


Qonto Investments isn't available on the Starter or Basic plans. The standard yield is variable and not guaranteed.

Yes. As a new Qonto Investments customer, you earn an additional 3% p.a. promotional bonus for your first 90 days, on top of your standard plan yield. Here's how it works:


• It applies to your first investment, up to €100,000. Any amount above that — and any later investments — earn your standard yield.
• To qualify, activate Investments and make your first investment within 2 months of your account being verified. The offer is available for accounts verified in 2026.
• The bonus is 3% p.a. prorated over the 90 days and it's paid out as a separate credit to your account at the end of the 90-day period (prorated if you sell earlier).


For example, on the Team Business plan your annualised yield on that first investment rises from 1.74% to 4.74% p.a. during the promo period. After 90 days, your standard yield continues automatically.

Qonto Investments is a modern alternative to a traditional call-money or business savings account (in Germany, a Tagesgeldkonto). Instead of parking idle cash in a traditional deposit account, you invest it in a money market fund — directly from your Qonto business account, with no separate depot, no second bank and no app-switching. You get a competitive variable yield, your money stays flexible (redeem within 1–3 days, no fixed term), and everything stays inside Qonto.

A single service fee per plan — and it's the only cost. The fee is lower the higher your plan, so a higher plan means more of the fund's yield ends up with you:


• Smart: 1.0%
• Premium: 0.8%
• Essential: 0.6%
• Business: 0.4%
• Enterprise: 0.2%


The yield shown in your Qonto app is already net of this fee, so what you see is exactly what you earn.

No — no buying or selling fees, ever, and no exit fees when you redeem. Beyond your plan's service fee, there are no extra costs. The fund's own costs are already reflected in the yield you see, so there's nothing hidden on top.

Your standard yield is variable and not guaranteed — it's based on the BlackRock money market fund, whose yield fluctuates with ECB monetary policy. The 3% new-customer bonus is a fixed 3% p.a. rate for your first 90 days, so it doesn't move with the market. As with any investment, capital losses are possible, though money market funds are very low risk (category 1 of 7 on the Synthetic Risk and Reward Indicator scale).

Your funds are invested in the BlackRock ICS Euro Liquidity Fund — a money market fund built for short-term cash management, not stock-market speculation. It holds short-term, high-quality instruments and carries the lowest risk rating (1 of 7 on the SRRI scale), though capital losses are still possible.

Your yield starts accruing the next business day after you invest, and builds daily. You can see it reflected in your investment's value in the Qonto App at any time — there's no payout date to wait for. You receive your returns when you redeem. The 3% promotional bonus for new customers is paid as a separate credit to your main account at the end of your 90-day promo period.

Anytime. There's no fixed term and no lock-in period. You can redeem part or all of your investment whenever you need to, and your funds are typically back in your Qonto account within 1–3 days — with no exit fees.

No minimum — you can start from just €1. Invest as much or as little of your idle cash as you like. Your standard yield applies to your full balance, and the 3% p.a. new-customer bonus applies to your first investment, up to €100,000, during your first 90 days. You can top up or redeem at any time.

Qonto Investments is available on selected plans only: Smart, Premium, Essential, Business and Enterprise. It isn't available on the Starter or Basic plans. In addition, your legal structure must be a GmbH or UG. If you don't see investment access in your account, check your current plan.

Your investment is handled by two BaFin-licensed partners: Upvest and Concedus. Your fund units are held in custody for you by Upvest, kept separate from Qonto's own assets so they always belong to you; the assets inside the fund are independently safeguarded by its depositary, J.P. Morgan SE (Dublin Branch). The fund itself is managed by BlackRock, and the product complies with EU UCITS and MiFID II regulation. As an investment rather than a deposit, it is not covered by the deposit protection scheme (Einlagensicherung), and its value can move with the fund — but money market funds are among the lowest-risk investment products available (rated 1 of 7).

Qonto Investments is designed to keep your bookkeeping simple. Our partner Upvest generates the relevant tax documents automatically – you'll find them directly in your Qonto documents inbox:

• an annual tax certificate (Steuerbescheinigung), issued once a year in March/April for the previous year
• an annual account statement (Jahresdepotauszug), a confirmation for every buy and sell, and a dedicated Vorabpauschale document

A few things worth knowing:

• The Vorabpauschale (the annual notional tax on accumulating funds) is settled automatically by Upvest each January via a sell-to-cover transaction – there's nothing you need to do.
• Gains from a sale are processed gross by Upvest, so no tax is withheld automatically – your tax advisor (Steuerberater) accounts for these in your tax return.
• All figures shown on the platform are gross (before tax).

All documents can be shared directly with your tax advisor. If you've connected your Qonto account to DATEV, your investment transactions are transferred automatically – so your tax advisor has direct access to all the relevant entries.

Yes. Qonto Investments is offered through Concedus, a BaFin-regulated investment service provider, and the fund is managed by BlackRock. It's a UCITS-compliant investment product, not a bank deposit — so it isn't covered by the German deposit protection scheme, and as an investment its value can rise or fall.