Business account. Payment solutions. Invoicing.
One platform for your business finances
For every entrepreneur
Over 600,000 European entrepreneurs trust us.
Payment terminals
Your first terminal for €0, limited time only. Funds in your account within 24 hours.
Account remuneration
Up to 2.5%* compensation on the balance of all your Qonto accounts.
Business debit and credit cards
Physical and virtual cards, with individual limits and approval workflows.
Starter plan
The free business account for self-employed professionals and BV, available in minutes.
Personal customer service
Payment solutions
To 150 countries in more than 30 different currencies.
Add a payment link to your invoices and speed up payments.
Tap-to-Pay, payment terminals, and payment links with integrated invoicing.
Your invoices, effortlessly managed
Invoices in seconds
Create, send, and track. We handle the reminders.
Receipts? Sorted.
Import in one step and let transactions link automatically.
Automatically matched.
Invoices and payments are automatically linked. No extra costs. Fewer tools.
Smart financial tools for your business
Collect and manage all your team's expenses in one place.
Real-time overview and clear forecasts. Know what's coming in and going out.
Link your accounting tool and automate your financial processes.
Qonto AI.
Your choice, your control.
Agents, inside Qonto
Ask Agents directly inside Qonto, right within the workflows you already use.
MCP, in your AI tools
Connect Qonto MCP to the AI tools you already work with every day.
Visibility & accountability
AI drafts the work, you review & approve. All actions logged and traceable.
Linked when you want it
With Qonto, automate tasks, collaborate more efficiently with your accountant and agile tools, handling your admin faster and keeping 1 overview.
Our customers say it best
"With Qonto, we save 2 hours per week and always have quick access to our figures. Everything is neatly organized in one place, allowing us to act faster and focus on growing RIDERS HUB."
Kenneth and Kevin Ma, co-founders of RIDERS HUB
"The great thing is you don't need to be technical. Qonto is user-friendly, so I don't spend hours figuring out how everything works."
Diana Yanes, freelancer and founder of Diana Yanes Consulting
"For us, Qonto is truly a gamechanger, especially thanks to the various financing options. We use them extensively to accelerate our growth."
Polina Sergeeva, co-founder of Menstruflow
"I recommend Qonto to every entrepreneur looking for a true partner for their projects. Thanks to Qonto, I can finally focus on my projects instead of constantly being on the phone with my banker."
André Schmitte, freelancer and founder of AS Projets
"I'm often on the go and greatly appreciate how flexible Qonto is. Whether I'm managing something via my Apple Watch or on my iPhone, it works quickly and easily. Efficient, digital, and user-friendly, that's Qonto for me."
Julia Kounlavong, freelancer and founder of Unwind Your Mind
"It's ideal that we can create cards and adjust payment limits in seconds. This way, we always keep our online campaigns under control."
Álvaro Patón, CFO and co-founder of Morrison
Deposit guarantee up to €100,000
EU regulated, operating under Dutch supervision
Top-level cybersecurity
