The all-in-one business account for your startup

Open an online account for your startup in just 10 minutes. Get access to bookkeeping and invoicing tools, best-in-class customer service, flexible payment methods, and an intuitive app for real-time cash flow control. Anytime. Anywhere.

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30-day free trial. Cancel anytime.

Trusted by over 350,000 businesses

4.8 on Apple store 4.7 on Play Store 4.6 on Trustpilot

An award-winning product

Finance management made easy: track your sales in real-time, completely online

Sub-accounts with German IBANs: manage your cash flow in just a few clicks

Flexible plans starting at €9/month: pay for what you need- whichever way you grow

No hidden fees: fair, transparent pricing with no obligations

Finance management at your fingertips

A secure, intuitive app

Easily pilot your business from anywhere using our TÜV-certified web and mobile apps.

German IBAN

Apply online and get your German account details in just a few minutes.

Multi-layered security

FDGR deposit protection, 3D-Secure, Two-Factor Authentication, and TLS/SSL encryption.

Business Mastercards

Track your transactions in real-time via the app.

Fast Bank Transfers

Send and receive SEPA or SWIFT transfers quickly and safely.

Paperless admin

Manage your bookkeeping and receipts digitally and connect Qonto to your favorite accounting tools.

Digital bookkeeping

Less paper, more work. Scan and store GoBD-compliant receipts directly on your app

Categorize expenses using customizeable tags

With Qonto Connect, synch your key account information with tools like FastBill, Slack, Zapier, and more

Give your accountant dedicated read-only access to your account data

More about accounting

Your money is safe with us

Deposit protection: Your deposits are protected according to the applicable rules and regulations.

Regulated financial institution: Qonto operates under the joint supervision of BaFin and the ACPR (French Prudential Supervision and Resolution Authority).

Always up to standard: our security protocol is regularly audited by external specialists to make sure your account is safe

Fully customizable cards

Physical or virtual, in-store or online… even make contactless payments quickly and securely with Apple Pay and Google Pay.

Create as many cards as you need for your team - while staying in control of spending. Set payment limits and track expenses in real-time from your app.

One, Plus, or X Card: spend up to €200,000 and enjoy greater peace of mind with premium insurance and exclusive perks

More about cards

Qonto: with you every step of the way

Company creation

Open a Qonto account for your startup online and deposit your share capital in just a few clicks. Have a question? We’re available 7 days a week via chat, phone or email.

Admin setup

Save time with paperless bookkeeping tools and by connecting your favorite tools to your Qonto account.

Ongoing growth

Set yourself up to scale. Organize cash flow with sub-accounts, set payment limits on cards and transfers, and manage your customer invoices using our integrated invoicing tool.

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Creating a company? Choose the right legal form



Other legal forms

European legal forms

Pay as you grow


The essentials for managing finances as a team.

29€ (excl. VAT) /month



A complete package, including team spend management.

99€ (excl. VAT) /month


The complete package with even higher limits and full access.

249€ (excl. VAT) /month

Check out our business account comparator

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Ready? Let's go.

Create your account in about 10 minutes. Try it free for 30 days. Cancel anytime.


What is a startup account?

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How do I open a Qonto business account for my startup?

When can I use a regular account as a business account?

Which business account is best suited for my startup?

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