Put your cash to work: earn up to 4,75% p.a. for 3 months
- With Qonto Investments, you can invest your funds simply and smartly directly within the Qonto app—and earn returns on your idle cash.
- Start with a 3% yield promo for the first 90 days.
- You invest in the BlackRock ICS Euro Liquidity Fund for short-term liquidity management.
See how much your idle cash could earn
We'll calculate your estimated returns, including your 90-day promotional bonus on the first €100,000 invested, and your standard yield will be active already from day one.
Your scenario
Max. €300,000
Your promo bonus and estimated yield
Bonus rate: 3%
APY: 1.75% · Variable yield, not guaranteed
For simulation purposes only. In reality, investments of up to €1.5 million are possible. Returns are based on the performance over the last 30 days after fees and are variable; capital is at risk. Funds are available within 1–3 days.
Invest directly from your business account
Put your cash to work
Invest your idle balance into a Money Market Fund. Built for business cash management – not for stock market speculation.
Manage it all in one place
Activate Qonto Investment and invest your spare cash directly from your Qonto dashboard. No other platform required, no switching between apps.
Zero trading fees
The APY shown is net of all fees. So you’ll know exactly what yield your investment will earn.*
Quick access to funds
Redeem anytime. Get your funds back in 1–3 days, with no extra fees.
Lowest rated risk indicator (1 out of 7 on the SRRI scale)*.
Investments comply with BaFin and MiFID-II regulations.
Compliant with applicable German and European regulations.
Money between projects
You finished a project and just got paid. The next one starts in 6 weeks. Invest your cash now, and withdraw when the next project kicks off.
Grow idle VAT reserves
Put your VAT contributions to work between business quarters. Withdraw in 1–3 days when your VAT payment is due.
Earn until you need to spend
If you keep cash available for supplier payments, equipment, or sudden opportunities, let that cash grow in the meantime.
Mitigate impact of inflation
Unused capital in your account loses value over time. Invest your liquidity to counter-balance the impact of inflation.
Ready to make your money work?
Investments are just the start
Multi-account
Open multiple sub-accounts with dedicated IBANs to separate expense items, taxes & business activities, and organize team budgets.
Invoicing
Create quotes and invoices in just a few clicks, automatically match incoming payments, and simplify your bookkeeping.
Expense management
Stay in control of your team expenses, delegate tasks to employees, and save valuable time.
Business cards
Equip your employees with physical and virtual debit and credit cards, including spending limits and cashback of up to €360 per year.
Frequently Asked Questions about business account investment returns
* This product constitutes an investment in money market funds and not a savings or deposit product. The money market funds are intermediated by Qonto SA as a tied agent of Concedus GmbH, with execution and custody provided by Upvest Securities GmbH — both authorised by BaFin.
The displayed yield is variable and not guaranteed. Past performance and current money market rates are not a reliable indicator of future returns. The value of the investment may rise or fall. A partial loss of invested capital is possible.
Any bonus payments and the yield of the money market fund are distinct components and should not be interpreted as a guaranteed total return. Check Terms & Conditions for the bonus offer.
The stated yields (e.g., “1,75% p.a.”) are based on current annualized money market fund yields and are subject to change at any time.
The service is provided in compliance with applicable regulatory requirements, specifically MiFID II, as well as the relevant guidelines issued by BaFin.
