All your financial tools in one place
Running a business requires focus. Your finances should enhance your productivity, not consume your time. With Qonto, manage accounts, payments, invoices, and accounting on one intuitive platform.
Financial tools that grow with you
Invoicing
Effortlessly manage invoices
Payment links
Add a payment link to your invoices to simplify payments.
Personalized design
Invoices as unique as your business.
Automatic matching
Payments are instantly matched to invoices.
Manage incoming invoices efficiently
Centralized and automated — from import to payment.
Cash flow management
Cash flow management
Always know what's coming in and going out. With real-time notifications, automatic categorization, and smart integrations with Google Sheets, you instantly see where you stand — and where you're headed.
Make decisions based on facts, not feelings.
Expense management
Manage budgets
Set clear rules, manage expenses by team or project.
Virtual cards
Create physical and virtual cards for your team and manage expenses effortlessly.
Reimburse expenses
Quick and automatic: submit receipts digitally, process instantly.
Linked when you want
With Qonto, automate tasks, collaborate more efficiently with your accountant and agile tools, handling your admin faster and keeping 1 overview.
Accounting
Expense management
Scan and store receipts with the app.
Accounting access
Give your accountant direct access with read rights.
Payments
Pay smart: with Mastercard cards, SEPA real-time, international transfers, and Apple Pay & Google Pay.
And get paid easily: via POS terminal, Tap to Pay, or payment link.
Affordable business account with tools
Personal service, always available
24/7 support via email, chat, or phone. In multiple languages, so you always get quick help.
Easily linked to your existing tools
Connect with Exact, e-Boekhouden, and over 80 accounting integrations. No double work.
Rated 4.8 across Europe
Qonto is among the top-rated tools for expense and spending management.
Our blog articles
What's the most affordable business account for my company? What should I consider when opening one?
Are you using a standard account or is a business account better? Is a business account mandatory?
In 2026, international business is more the norm than the exception, whether you have clients abroad or pay suppliers in foreign currencies.
As a freelancer, focus on your business — not on administration, paper receipts, and slow bank processes.
