Find the best plan for your business

Online business finances with no hidden fees.

Paid Monthly
Paid Yearly
(save up to 20%)

Basic

€9

/month (excl. VAT)

Toggle dropdown
Billed annually at
€132 €108
SAVE €24/YEAR BY PAYING ANNUALLY

An online business account & app to simplify your day-to-day finances.

Take a free 30-day trial

virtual card purple

Business Account & Cards

1 x One Card Mastercard with additional cards available

- ATM cash withdrawal limit of €1,000/month.
- Fixed fee of €2 excl. tax per cash withdrawal.
- Expand your payment limits with premium cards: Plus Card, Metal X Card on demand.

30 transfers or direct debits/month

- Free Instant SEPA transfers included (€0.40 fixed fee for each additional transfer).
- International SWIFT transfers available in 17 currencies from €5/transfer.

1 German IBAN

7-day-a-week support

By phone, email or chat.

20+ integrations 

Connect your Qonto account to your favourite tools to automate processes. Including DATEV interface (PIN/TAN), lexoffice, sevDesk, and many more.
reimbursement purple

Invoicing & Bookkeeping

1 x Accountant access

Automated bookkeeping tools

Integrated invoicing tool

NEW
DATEV RZ-Bankinfo

Advanced dashboard

Smart

€19

/month (excl. VAT)

Toggle dropdown
Billed annually at
€276 €228
SAVE €48/YEAR BY PAYING ANNUALLY

Advanced tools that get bookkeeping & invoicing jobs done fast.

Take a free 30-day trial

virtual card purple

Business Account & Cards

1 x One Card Mastercard plus unlimited virtual cards

- ATM cash withdrawal limit of €1,000/month.
- Fixed fee of €2 excl. tax per cash withdrawal.
- Expand your payment limits with premium cards: Plus Card, Metal X Card on demand.

60 transfers or direct debits/month

- Free Instant SEPA transfers included (€0.40 fixed fee for each additional transfer).
- International SWIFT transfers available in 17 currencies from €5/transfer.

2 German IBANs

1 account + 1 sub-account to manage your expenses and taxes efficiently

7-day-a-week support

By phone, email or chat.

25+ integrations

Connect your Qonto account to your favourite tools to automate processes. Including DATEV interfaces (Belegbilderservice, PIN/TAN, RZ-Bankinfo), lexoffice, sevDesk, and many more.
reimbursement purple

Invoicing & Bookkeeping

1 x Accountant access

Grant a limited account access to your accountant. No more manual exports of your supporting documents. No more endless back-and-forth.

Automated bookkeeping tools

Digitized & certified receipts, automatic receipt attachment, auto-detection of VAT and supplier data, automated categorization of spending items and more.

Integrated invoicing tool

Manage all your Accounts Payable and Accounts Receivable in one place. Our simple and intuitive tool will help you pay and get paid even faster.

NEW
DATEV RZ-Bankinfo 

Your direct connection to DATEV: transmit your account transactions automatically and securely with DATEV Bankdatenservice RZ-Bankinfo (via EBICS procedure).

Advanced dashboard

Enjoy at-a-glance visibility over your finances and insights into your cash flow. In real time and on the go.

Premium

€39

/month (excl. VAT)

Toggle dropdown
Billed annually at
€540 €468
SAVE €72/YEAR BY PAYING ANNUALLY

Automated, on-the-go finances with our highest limits & priority customer support.

Take a free 30-day trial

virtual card purple

Business Account & Cards

1 x One Card Mastercard plus unlimited virtual cards

- ATM cash withdrawal limit of €1,000/month.
- Fixed fee of €2 excl. tax per cash withdrawal.
- Expand your payment limits with premium cards: Plus Card, Metal X Card on demand.

100 transfers or direct debits/month

- Free Instant SEPA transfers included (€0.40 fixed fee for each additional transfer).
- International SWIFT transfers available in 17 currencies from €5/transfer.

5 German IBANs

1 account + 4 sub-accounts to manage your expenses and taxes efficiently

7-day-a-week support

By phone, email or chat.

25+ integrations 

Connect your Qonto account to your favourite tools to automate processes. Including DATEV interfaces (Belegbilderservice, PIN/TAN, RZ-Bankinfo), lexoffice, sevDesk, and many more.
reimbursement purple

Invoicing & Bookkeeping

1 x Accountant access

Grant a limited account access to your accountant. No more manual exports of your supporting documents. No more endless back-and-forth.

Automated bookkeeping tools

Digitized & certified receipts, automatic receipt attachment, auto-detection of VAT and supplier data, automated categorization of spending items and more.

Integrated invoicing tool

Manage all your Accounts Payable and Accounts Receivable in one place. Our simple and intuitive tool will help you pay and get paid even faster.

NEW
DATEV RZ-Bankinfo 

Your direct connection to DATEV: transmit your account transactions automatically and securely with DATEV Bankdatenservice RZ-Bankinfo (via EBICS procedure).

Advanced dashboard

Enjoy at-a-glance visibility over your finances and insights into your cash flow. In real time and on the go.

Slick app

Toggle dropdown

A simple, smart, all-in-one app with industry-best ratings. So you can always keep track of your finances.

Rapid support

Toggle dropdown

Your questions answered by our team via chat, email or phone. Any day of the year.

Always secure

Toggle dropdown

From Strong Customer Authentification to 3D Secure, we use the most advanced methods to protect your money.

Regulated

Toggle dropdown

The German branch of Qonto is subject to supervision by BaFin and ACPR.

Over 450,000 companies trust Qonto
Basic
€9
/month (excl. VAT)
Smart
€19
/month (excl. VAT)
Premium
€39
/month (excl. VAT)

Business Account & Cards

Accounts

Create sub-accounts, each with their own IBANs, to separate your budgets, activities, taxes etc.

1

2

5

Physical cards

Customize your business Mastercards in real time: One Card (included in your plan), Plus Card or Metal X Card.


onecard
pluscard
xcard
One Card
One Card
One Card
One Card
One Card
One Card

Virtual cards 

Make online payments with virtual cards and use them in-store with Apple Pay and Google Pay.

€2/month per card

Unlimited

Unlimited

SEPA transfers & direct debits

Manage transfers & direct debits in the Qonto app. Transactions beyond those included in the plans will be billed at €0.40 per transfer.

Then €0.40 for each additional transfer

30/month

60/month

100/month

Instant outgoing SEPA transfers

The funds in your beneficiary’s account within 10 seconds. Transfers beyond those included in the plans will be billed at €0.40 per transfer.

Apply to all transfers included in the plan, then €0.40 for each additional transfer

Incoming SWIFT transfers

Receive international payments directly into your Qonto account.

€5/transfer

€5/transfer

€5/transfer

Outgoing SWIFT transfers

Make international payments directly from your Qonto app in 17 currencies.

in 17 currencies

1% + €5 fixed fee/transfer

0.9% + €5 fixed fee/transfer

0.8% + €5 fixed fee/transfer

Bulk transfers 

Combine volume transfers such as salaries or invoices to make up to 400 payments at once

Accounts Receivable

Create & customize quotes and invoices

Create and send invoices in less than a minute thanks to pre-saved data of your customers and your catalogue of products/services; you can also convert your approved quotes directly into invoices.

Send, remind & track automatically

Share your quotes/invoices via email and automate the monitoring of your incoming payments. Easily send reminders and receive real-time notifications for every payment.

Invoice compliance & archiving

Simplify your admin with automated invoice numbering; cancel part or all of an invoice thanks to credit notes; automatically sync client invoices with the right transactions as soon as they’re paid.

Accounts Payable

Automate invoice import & collection

Automate the transfer of invoices received via email, import them automatically from Google Drive or Dropbox, or simply drag and drop them directly into Qonto.

Automate payment processing with OCR

Process payments faster thanks to Optical Character Recognition (OCR) and the automatic extraction of invoice data (beneficiary, IBAN, amount etc.)

Track your invoice payments

See all your payment due dates at a glance, schedule payments, make instant SEPA transfers and keep your suppliers informed with just one click.

Bookkeeping & Reporting

Accountant access

Simplify your accounting by granting dedicated read-only access to your accountant.

Digitized receipts

Upload your receipts to the app; we’ll match them automatically to the right transactions so they’re digitized & legally compliant.

Digitized

Digitized & Certified

Digitized & Certified

Receipts forward

Forward your receipts to Qonto by email and we'll match them automatically to the right transactions.

Custom labels

Automate your accounting by adding labels to your transactions (such as client code, country, team names, projects etc.).

Supplier management

Categorize your suppliers and automatically add a specific VAT rate.

Dashboard

Precise cash flow insights thanks to indicator charts and real-time inflow/outflow tracking. Access customizable filters with the advanced dashboard.

Advanced

Advanced

API integrations

Connect your Qonto account to your favourite tools via API connection to automate processes. Including DATEV interface, lexoffice, sevDesk, and many more.

20+

25+

25+

NEW

EBICS integrations

Your direct connection to DATEV: transmit your account transactions automatically and securely with the DATEV Bankdatenservice RZ-Bankinfo (via EBICS procedure). Initiate Qonto payments directly from your DATEV app.

DATEV RZ-Bankinfo

DATEV RZ-Bankinfo

Customer Care

7-day-a-week support. By chat, phone or email

Frequently Asked Questions

Is Qonto a bank?

Toggle dropdown

What are the advantages of the Qonto service?

Toggle dropdown

Who can open a Qonto account?

Toggle dropdown

Can I access my Qonto business account before my commercial register entry has been completed?

Toggle dropdown

Are there any fees or commissions in addition to the monthly subscription?

Toggle dropdown

How do international payments work?

Toggle dropdown

What are special operations?

Toggle dropdown

Ready? Sign up in minutes.

Qonto’s goal is to protect what’s most precious to entrepreneurs: their time, energy and focus. We've made signing up quick and easy, so you can see exactly what we mean...

de flag

Möchten Sie zu Deutsch wechseln?

Möchten Sie diese Webseite auf Deutsch ansehen?