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)

SAVE €32 BY PAYING YEARLY

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

Billed annually - 30-day free trial

virtual card mint

Business Account & Cards

A deposit certificate within 24 hours

1 x One Card Mastercard + access to premium cards for higher limits

- 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.

Access for 1 user

1 German IBAN

20+ integrations - Connect

Including Dropbox, SevDesk, Stripe and more.

7-day-a-week support

By phone, email or chat.
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Invoicing & Bookkeeping

1 x Accountant access

Automated bookkeeping tools

Integrated invoicing tool

Smart

€19

/month (excl. VAT)

SAVE €56 BY PAYING YEARLY

Advanced bookkeeping & invoicing tools; ideal for single company founders.

Billed annually - 30-day free trial

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Business Account & Cards

A deposit certificate within 24 hours

1 x One Card business Mastercard + 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.

Access for 1 user

2 German IBANs

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

25+ integrations - ConnectPlus

With access to exclusive integrations like Google Drive, lexoffice, and DATEV.

7-day-a-week support

By phone, email or chat.
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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

Get paid faster and pay your suppliers on time thanks to a centralized tool for all the quotes and invoices you send and receive.

Essential

€29

/month (excl. VAT)

SAVE €78 BY PAYING YEARLY

The complete finance management package for company co-founders.

Billed annually - 30-day free trial

virtual card mint

Business Account & Cards

A deposit certificate within 24 hours

2 x One Card business Mastercard + 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.

Access for 2 users

5 German IBANs

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

25+ integrations - ConnectPlus

With access to exclusive integrations like Google Drive, lexoffice, and DATEV.

7-day-a-week support

By phone, email or chat.
virtual card mint

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

Get paid faster and pay your suppliers on time thanks to a centralized tool for all the quotes and invoices you send and receive.

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.

4.8

apple

on App Store

4.7

play_store

on Play Store

4.7

trustpilot

on Trustpilot

Over 400 000 companies trust Qonto
Basic
€9
/month (excl. VAT)
Smart
€19
/month (excl. VAT)
Essential
€29
/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.


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

1% + €5 fixed fee/transfer

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.

Integrated invoicing tool

Get paid faster and pay your suppliers on time thanks to a centralized tool for all the quotes and invoices you send and receive. 

Expense & Spend Management

Team access (number of users included)

Delegate tasks by granting access to your team. Users beyond those included in the plan will be billed at €5 per month per user.

Then €5/month for each additional user

1

1

2

Bulk transfers 

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

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 & 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

Connect (80+ integrations)

Integrate your everyday apps and accounting software to your Qonto account (Dropbox, Tiime, Pennylane, QuickBooks, Stripe, Google Drive, DATEV…).

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

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?

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...

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