Find the best plan for your business

From €9/month. No hidden fees.
Test drive all our plans for free to find the best fit for your business.

Basic

€9

/month (excl. VAT)

An online business account & app to simplify your day-to-day finances.
Try it for free

Take a free 30-day trial

Business Account & Cards

1 x One Card Mastercard + more cards can be added

- Additional cards can be added from €5/month each
- Payment limit €20,000/month
- Withdrawal limit €1,000/month
- Higher limits with premium cards: Plus Card, metal X Card

30 transfers or direct debits/month

- Free Instant SEPA transfers, international SWIFT transfers available in 17 currencies.
- €0.40 fixed fee for each additional transfer.

1 German IBAN

7-day-a-week support

By phone, email or chat.

20+ integrations - Connect

Including Dropbox, SevDesk, Stripe and more.

Invoicing & Bookkeeping

1 x Accountant access

Automated bookkeeping tools

NEW
Integrated invoicing tool

Advanced dashboard

Smart

€19

/month (excl. VAT)

Advanced tools that get bookkeeping & invoicing jobs done fast.
Try it for free

Take a free 30-day trial

Business Account & Cards

1 x One Card Mastercard + unlimited virtual cards

Additional cards can be added from €5/month each
- Payment limit 20.000 €/month
- Withdrawal limit 1,000 €/month
- Higher limits with premium cards: Plus Card, metal X Card

60 transfers or direct debits/month

- Free Instant SEPA transfers, international SWIFT transfers available in 17 currencies.
- €0.40 fixed fee for each additional 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 - ConnectPlus

Access exclusive integrations, including Stripe, Google Drive, DATEV and more

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.

NEW
Integrated invoicing tool

Get paid faster and pay your suppliers on time thanks to centralized invoicing - both receivable and payable.

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)

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

Take a free 30-day trial

Business Account & Cards

1 x One Card Mastercard + unlimited virtual cards

Additional cards can be added from €5/month each
- Payment limit 20.000 €/month
- Withdrawal limit 1,000 €/month
- Higher limits with premium cards: Plus Card, metal X Card

100 transfers or direct debits/month

- Free Instant SEPA transfers, international SWIFT transfers available in 17 currencies.
- €0.40 fixed fee for each additional transfer.

5 German IBANs

Sub-accounts with their own IBANs to help you separate budgets, cashflows, taxes, spending categories etc.

Priority 7-day-a-week support

By phone, email or chat.

25+ integrations - ConnectPlus

Access exclusive integrations, including Stripe, Google Drive, DATEV and more

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.

NEW
Integrated invoicing tool

Get paid faster and pay your suppliers on time thanks to centralized invoicing - both receivable and payable.

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

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

Rapid support

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

Always secure

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

Regulated

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

350,000 customers. Their ratings say it all.

4.8 on App Store

4.7 on Play Store

4.6 on Trustpilot

Basic
€9
/month (excl. VAT)
Choose Basic
Smart
€19
/month (excl. VAT)
Choose Smart
Premium
€39
/month (excl. VAT)
Choose Premium
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.
x1
One Card (included)
x1
One Card (included)
x1
One Card (included)
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 in 17 currencies.
€5/transfer
€5/transfer
€5/transfer
Outgoing SWIFT transfers
Make international payments directly from your Qonto app 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
Invoice management
NEW
All-in-one Invoicing tool
Create, send, track & centralize invoices, both payable and receivable, directly from the app.
Supplier invoice management
Import your supplier invoices to keep a close eye on due dates, pay in just a few clicks and avoid late payment penalties.
Bookkeeping & Reporting
Accountant access
Simplify your accounting by granting dedicated read-only access to your accountant.
Digital receipts
Upload your receipts to the app; we’ll match them automatically to the right transactions so they’re digitized & legally compliant.
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
Connect integrations
Put your finance management on autopilot: connect Qonto to your favorite apps and accounting software
ConnectPlus
ConnectPlus
Fast API connectivity
Everything you need to automate your business, from API to data retrieval & payment execution.
Customer Care
7-day-a-week support. By chat, phone or email
7-day-a-week support.
Priority support

Frequently Asked Questions

Is Qonto a bank?

What are the advantages of the Qonto service?

Who can open a Qonto account?

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

How do international payments work?

What are special operations?

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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...

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