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.

30-day free trial. Cancel anytime.
Over 450,000 companies trust Qonto
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An award-winning product

  1. Finance management made easy: track your sales in real-time, completely online
  2. Sub-accounts with German IBANs: manage your cash flow in just a few clicks
  3. Flexible plans starting at €9/month: pay for what you need- whichever way you grow
  4. No hidden fees: fair, transparent pricing with no obligations

Finance management at your fingertips

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A secure, intuitive app

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

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Apply online and get your German account details in just a few minutes.
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Multi-layered security

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

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Track your transactions in real-time via the app.
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Fast Bank Transfers

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Send and receive SEPA or SWIFT transfers quickly and safely.
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Paperless admin

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

  1. Less paper, more work. Scan and store GoBD-compliant receipts directly on your app
  2. Categorize expenses using customizeable tags
  3. With Integrations and Partnerships, synch your key account information with tools like FastBill, Slack, Zapier, and more
  4. Give your accountant dedicated read-only access to your account data
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Your money is safe with us

  1. Deposit protection: Your deposits are protected according to the applicable rules and regulations.
  2. Regulated financial institution: Qonto operates under the joint supervision of BaFin and the ACPR (French Prudential Supervision and Resolution Authority).
  3. Always up to standard: our security protocol is regularly audited by external specialists to make sure your account is safe

Fully customizable cards

  1. Physical or virtual, in-store or online… even make contactless payments quickly and securely with Apple Pay and Google Pay.
  2. 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.
  3. One, Plus, or X Card: spend up to €200,000 and enjoy greater peace of mind with premium insurance and exclusive perks

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Qonto: with you every step of the way

Company creation

Admin setup

Ongoing growth

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Creating a company? Choose the right legal form


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Other legal forms

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European legal forms

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Pay as you grow

Check out our business account comparator

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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Is a separate business account mandatory?

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

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

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Which business account is best suited for my startup?

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How do I create a business plan?

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