01
Open your UG-account in minutes
02
Once your account is verified, your IBAN is ready
03
All set - you can send your first payment
Qonto: the all-in-one business account for your UG
Manage expenses, payments, company cards and sub-accounts all from your Qonto app. Save time and energy - so you can focus on propelling your company forward.
An award-winning business finance tool
Make the most out of your Qonto account with a German IBAN, integrated invoice management, bookkeeping and spend management tools. With a range of payment options like transfers in up to 32 different currencies, as well as physical and virtual cards all included in your plan.
You’re in good hands
Bookkeeping features that save you time
Accountant access
Give your CPA autonomous, read-only access to all the data they need.
Centralized tools
Digital receipts, invoicing tools, automatic VAT detection, supplier invoice management - all in one place.
Budgeting made easy
Stay in control of your cashflow by separating funds by project, budget or team
Set aside funds for taxes, payroll or future projects
Assign a card to a sub-account for greater visibility over expenses
With you every step of the way
At Qonto, you can adjust or cancel your plan directly from your app. Try it free for 30 days and see for yourself.
Ready? Let's go!
FAQ
What exactly is a business account for a UG (haftungsbeschränkt)?
The Qonto business account is a current account specifically designed for companies like UGs, GmbHs or GmbH & Co., AGs and KGs. 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.
What documents do I need to open a Qonto account for my UG?
To open a business account with Qonto, you need the following information:
- legal name;
- type of company (legal form);
- registration date;
- your Handelregisternummer;
- your VAT number (optional).
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.
Do I need to open a business account for my UG?
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.
However, if you’re looking to or have already set up a UG, there is a legal obligation to open an associated business account for it.
Which options of business accounts are available for UGs?
Qonto offers three plan “levels” by company size. For UGs, we offer the following plans:
SMEs and Startups
Essential
€29/month (excl. VAT)
Business
€99/month (excl. VAT)
Enterprise
€249/month (excl. VAT)
Every plan comes with a current account, an associated physical Mastercard One Card, digital receipt storage, and top-rated customer support. For a full breakdown of what’s included in each plan, click here.
Can I upgrade my UG account anytime?
You can upgrade or downgrade your Qonto plan anytime via your desktop or mobile app. Simply login, click Settings & Tools, then Account settings, then Price plan details to make any changes.
