Up to 4% reward on your account¹

To benefit from Qonto's business account reward, you only need to activate this feature with one click in your dashboard and make at least 5 transactions per month of at least €1 per transaction.

Want to sign up for the account reward? Log in to your Qonto customer environment and go to the Business Account section. Then click on Accounts. There, you just need to click on Start and check the box to accept the terms and conditions.

You can immediately disable the business account reward at any time by following the same steps.

The 5 transactions per month can be made using any of the payment methods Qonto offers: physical or virtual cards, instant transfer, international transfer, incoming SEPA direct debit, Tap to Pay, or even payments via the mobile payment terminal.

The rewards are credited on the second day of each month and calculated based on the total balance of your business account and any sub-accounts.

You can always use your funds freely, without fees or penalties.

Please note that there is a maximum balance per plan:

• €50,000 for the Smart plan

• €100,000 for the Premium plan

• €200,000 for the Essential, Business, and Enterprise plans

No, Qonto's business account reward is not the same as a classic interest-bearing account. Interest-bearing accounts or savings accounts at traditional banks are bank accounts where customers park their money in exchange for interest. Customers are thus compensated for not using their money.

Qonto is not a bank and does not offer this type of account.

Qonto's account reward works differently: we directly reward customers for using our payment services. Instead of compensating for parking money, Qonto encourages the active use of your account. If you make at least 5 transactions of €1 or more, you receive a reward at the beginning of the month calculated as a percentage of the total balance of your Qonto accounts.

In short: classic interest-bearing accounts reward depositing your money and not using it elsewhere. Qonto rewards the actual use of our payment solutions.

Qonto is a payment institution supervised by the Banque de France (ACPR) and operates within European regulations. All our customers' funds are legally protected.

A portion of the funds is held in segregated accounts at Crédit Mutuel Arkéa, Natixis, or Rothschild Martin Maurel. Another portion is invested in qualified money market funds, whose securities are held at Société Générale. The remaining portion is fully covered by two independent guarantees: one from Crédit Agricole CIB (a subsidiary of Crédit Agricole S.A.) and one from BNP Paribas.

More information on how Qonto is regulated and controlled can be found here.

Yes. Once the rewards are credited to your account, you can use them freely. There is no blocking of your funds. Qonto's account reward is therefore also convenient for covering unexpected expenses or bridging quieter periods in your business.

No. There is no minimum amount required. The only thing that matters is that you perform at least 5 transactions per month of €1 or more with one of our payment methods.

The reward is automatically calculated based on the balance of your accounts.

No, Qonto does not charge additional fees for using the account reward. The only requirement is to make 5 transactions per month. Please note that certain payment methods may incur costs depending on your plan.

The maximum balance eligible for the account reward varies per plan:

• €50,000 for the Smart plan

• €100,000 for the Premium plan

• €200,000 for the Essential, Business, and Enterprise plans

Your money at Qonto is always safe. Qonto is a payment institution supervised by the French regulator ACPR (linked to the Banque de France). This means we are subject to the same strict controls as banks.

All customer funds are fully segregated from Qonto's cash flow and 100% secured through partner banks (such as Crédit Mutuel Arkéa, Natixis, and Rothschild Martin Maurel) and through guarantees from major institutions like BNP Paribas and Crédit Agricole CIB.

In the unlikely event of an extreme bankruptcy scenario, you will always get your full balance back.

Read more about how Qonto protects your money here.

No, Qonto does not offer traditional interest on a business account like banks do. Banks pay interest based on the fact that you leave your money with them. Qonto works differently: we are a payment institution and offer a business account reward.

This means you receive a reward when you actively use your Qonto account and payment services. This way, you still benefit without it being savings interest.

Qonto does not operate with classic cashback programs that you find with some credit cards or fintechs.

Instead, we have our business account reward: a system where you receive a reward on the money you hold in your account, as long as you actively use your Qonto account.

It resembles cashback in the sense that you benefit from your daily business payments, but legally and practically, it is a different mechanism.

No, Qonto is not a savings bank and therefore does not offer an alternative to a savings account, investment, or similar products. What we do offer is a unique product in the form of our business account reward.

You make your transactions on your Qonto account and receive a reward for it, as long as you actively use the account and payment methods. This makes Qonto an attractive alternative for entrepreneurs who want to gain extra benefits alongside their daily payments, without opening a separate savings account.