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.
![2594d709 dd0c 4265 be04 4709dd303c23 en white UI topic highlight dashboard product](https://qonto.com/blog/images/asset/5212/image/4dbfb06a7658927a5d9de9a4ca5f4ed6.png)
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
German IBAN
Multi-layered security
Business Mastercards
Fast Bank Transfers
Paperless admin
Digital bookkeeping
- Less paper, more work. Scan and store GoBD-compliant receipts directly on your app
- Categorize expenses using customizeable tags
- With Integrations and Partnerships, synch your key account information with tools like FastBill, Slack, Zapier, and more
- Give your accountant dedicated read-only access to your account data
![2eeba561 a70e 4bf1 a151 f895ef280cfb peach topic highlight shield](https://qonto.com/blog/images/e20534eb0873ef3489ca502bd1e4cf25.png)
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
![Topic Highlight Advanced OneCard PlusCard XCard](https://qonto.com/blog/images/asset/3183/image/f50eba7393d5148576128e2307acd344.png)
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.
![b370d1f5 717f 43cf a9ad f57551849b38 de mustard topic advanced startup](https://qonto.com/blog/images/791945aa0995516d65ad0306eb083cc1.png)
![b370d1f5 717f 43cf a9ad f57551849b38 de mustard topic advanced startup](https://qonto.com/blog/images/791945aa0995516d65ad0306eb083cc1.png)
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.
Creating a company? Choose the right legal form
GmbH
UG
Other legal forms
European legal forms
Pay as you grow
![Pricing Cards Essential](https://qonto.com/blog/images/500f69420ade411f121154293f007016.png)
Essential
Starting from
![Pricing Cards Business](https://qonto.com/blog/images/e7f230d7b127f9e55a4019f81b833483.png)
Business
POPULAR
Starting from
![Pricing Cards Enterprise](https://qonto.com/blog/images/422a0857a8a6fb439deadd2685a3ac44.png)
Enterprise
Starting from
Check out our business account comparator
Ready? Let's go.
FAQ
What is a startup account?
Is a separate business account mandatory?
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?
How do I create a business plan?
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