Cashback on card spend, up to €360/year

  • Earn cashback automatically when you spend on your card. 
  • Receive your cashback in your account on the 1st of every month.
  • No activation required - it's built into your card.
Open an account

Cashback on eligible purchases only. Monthly cap applies per company. Exclusions apply.

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Pick a card that gives you money back

XCard Black

X card

0.8% cashback on eligible purchases.
Up to €30/month (€360/year).

PlusCard Silver

Plus card

0.4% cashback on eligible purchases.
Up to €15/month (€180/year).

Compare our Cards

How cashback works at Qonto

  1. Step 1

    Use your Plus or X-card online or in-store, for subscriptions or supplier payments.

  2. Step 2

    When an eligible transaction's completed, cashback is calculated automatically according to your card's rate.

  3. Step 3

    Cashback lands automatically in your Qonto account on the 1st of the next month, with no action needed from you.

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Cashback on eligible purchases only. Monthly cap applies per company. Exclusions apply.

Check Terms & Conditions

See how cashback works for your business

Open an account
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Construction & renovation

Suppliers, material, equipment — your card keeps sites moving. Now it also earns you cashback as you spend.

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Retail businesses

Stock, packaging, deliveries — let the costs that keep your shelves full earn you cashback every month.

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Freelancers and consultants

Tools and subscriptions cost you every month. With cashback, every eligible payment gives you something back.

Your business account, with cashback

Up to €360 back per year. It's automatic, and with no strings attached.

Open an account

More options to keep business flowing

Overdraft 15000€

Overdraft

Pay interest only on what you use, and for the days you use it.

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Credit card

Buy now, pay on the 1st of next month. 0% interest when paid on time.

Pay Later Simple

Pay Later

Spread supplier invoice payments over 3, 9 or 12 monthly installments.

Frequently Asked Questions

Cashback is available on Plus and X cards in Germany, Spain, and the Netherlands. The One card does not include cashback.

No. Cashback is built into your card — there's nothing to opt into, no code to enter, and no minimum spend to unlock. You earn from your first settled eligible purchase.

On the 1st of every month, based on your completed eligible transactions from the previous month. Your running total updates with each completed transaction.

No. Cashback is part of your card for as long as you hold an eligible card. It's built in — not a promotion.

ATM withdrawals, cash advances, money transfers, crypto purchases, gambling transactions, and certain financial service payments are excluded. Cashback applies to card payments for goods and services on completed transactions only. See full T&Cs for details.

The monthly cap applies to each company, not each card. If your company has multiple eligible cards, the cashback earned across all of them counts towards one shared cap: up to €15/mo for Plus, up to €30/mo for X Card.

Qonto's Credit cards earn cashback only when the card is set to debit mode.