Make this Black Friday count

As a new customer, you can receive a €250 welcome bonus. To qualify, open your business account between 21 October and 30 November 2026. Full terms and conditions

Spend at least €800 with your card in each of your first three calendar months. You'll then receive €250 in month four. The offer is available to new customers who have never had a Qonto account, regardless of their plan, and is limited to €250 per business. Cash withdrawals, gambling-related spending, purchases made with deferred payment, and reversed or refunded transactions do not count.

These products are subject to eligibility criteria, and Qonto will first assess whether you qualify. Opening an account or taking advantage of the offer does not guarantee access to financing. Your business must have been registered for at least six months. For installment payments: if you've been a Qonto customer for less than three months, connect an external business account so we can assess your eligibility. We look at your business data and account activity. The Financing section of your app shows which products are available to you. You'll find the costs and terms for each product at the bottom of this page.

• How do I use Qonto's overdraft?
• What are installment payments and who can use them?

Do you have a Plus card or X card with deferred payment? Your card purchases for that month are charged in one go on the 1st of the following month. Subject to approval.

• Cash withdrawals are charged immediately.
• Make sure your account has sufficient funds on the charge date.
• Maximum one card per business, orderable by owners and admins.

Do I qualify?

You can use both. With Tap to Pay, you accept contactless payments on your iPhone or Android phone as soon as you've enabled it — no waiting for delivery. Prefer a payment terminal? The Pocket is a one-off €99 and the Pro is €199, excluding VAT. Your terminal will be delivered within two business days. Your card revenue will be in your account the next business day.

Order a payment terminal

Visa, Mastercard (including Visa Debit and Debit Mastercard), Apple Pay, and Google Pay.

With a paid plan, you pay 0.7% per transaction when your customer pays with a consumer card from the EU. For business cards and cards from outside the EU, the rate is 2.6%. Your first five transactions are free.

From the Smart plan onwards, you can activate the return in the Accounts section of your app. The return is calculated on your balance, and you qualify by using your account: make at least five valid transactions of €1 or more per month, such as card payments, outgoing transfers, or payments via Tap to Pay or your payment terminal.

• Your balance counts up to €50,000 on Smart, €100,000 on Premium, and €200,000 on Essential, Business, and Enterprise.
• The return is calculated daily and paid out on the 2nd of the following month.
• Your current rate is visible in your app. Your funds remain available at all times.

How do I activate the account return?

Coming soon: from 23 November, you'll earn points on eligible purchases made with your Plus card. From 26 November, you can redeem them for airline miles, gift cards, or discounts. Cash withdrawals and payments in certain merchant categories do not earn points.