Open your sole proprietor business account in about 10 minutes
Once your account is verified, your IBAN is ready
All set - you can send your first payment
Save time and simplify your day-to-day business finances with Qonto’s tools and integrations created with solo enterprises like yours in mind.
Make the most of your Qonto account with a German IBAN, bookkeeping tools, sub-accounts and integrated invoice management. All with a range of payment options like physical and virtual cards as well as international transfers in up to 32 different currencies. Always fairly priced, always 100% secure.
Connect Qonto to your favorite accounting software in seconds
Give your accountant dedicated “read-only” access for even more autonomy
Automated transaction synchronisation with lexoffice, sevDesk, and many more
Simplified tax filing for sole proprietors through direct integration with DATEV Unternehmen online
Easily move funds between accounts
Set aside funds for tax payments
Keep expenses separate for efficient bookkeeping
Set up instant SEPA transfers and direct debits on any sub-account
At Qonto, your account evolves with you. Upgrade or adjust your plan anytime from your app. Always 100% transparent and fair pricing.
Open your sole proprietor business account in about 10 minutes
Once your account is verified, your IBAN is ready
All set - you can send your first payment
The Qonto business account is a current account specifically designed for companies (e.g. sole proprietorships). 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.
There are many benefits to having a Qonto account, especially for solo entrepreneurs:
For a more detailed list of features, click here.
To open a business account with Qonto, you need the following information:
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.
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 sole proprietorship, there is no legal obligation to open an associated business account. Corporations, on the other hand, must open a business account that is used exclusively for business purposes.
We offer three types of plans for solo business owners as part of the “Freelancers” range:
For a comparative chart that covers what’s included in each plan, click here.
Only companies that are registered in the Trade Register have an obligation to maintain a business account in Germany. However, even if this is not the case, we recommend every company open a business current account. That way private payments can kept separate from business payments for simpler bookkeeping.
We understand the value of your time, which is why it should only take you 10 minutes to open a Qonto business account. To make the process as smooth as possible, be sure to have all the required information on hand when you’re ready to start the application process
We are required by law to verify your personal identity and use video identification with the help of IDnow. Once you’ll have provided all the information we need about you and your company, we’ll direct you to IDnow for a final check via video chat. You’ll be asked to hold your ID document in front of your computer or phone camera and verbally confirm some certain identifying details. The VideoIdent process should take no longer than 3 minutes.
Whether it's to examine the specific needs of your solo business, or to go over the benefits of Qonto's tools and features, we're here for you.
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