Go as big as you want this Black Friday

Your Plus card, free for three months. The offer runs from 21 October to 30 November 2026 inclusive, for new and existing clients, subject to conditions. The three free months start the day you order your card. After that, standard rates apply as set out in our Pricing Terms: the Plus card is €8 a month excl. VAT. It’s one free Plus card per company, and if you’re new to Qonto, your plan’s 30-day free trial applies as usual. See the full offer terms.

These products are subject to eligibility and to Qonto reviewing your file. Opening an account or getting the offer doesn’t guarantee access to financing. Your company must have been registered for at least six months. For Pay later, if you’ve been with Qonto for less than three months, connect an external business account so we can assess your eligibility.

How our credit products work

From your company’s data and account activity. It’s reviewed regularly, and the Credit section of your app shows what you can use.

• What is Qonto’s Pay Later feature, and who can use it?
• How do I use Qonto's Overdraft feature?

With a Plus or X card on deferred debit, subject to eligibility, the month’s card purchases are added up and debited in one go on the 1st of the following month.

• Cash withdrawals are debited straight away.
• Make sure the funds are in your account on the debit date.
• Deferred-debit purchases don’t earn points.
• There’s one deferred debit card per company, for owners and admins.
• Rates and fees are in the conditions at the bottom of this page.

How do I know if I am eligible for credit card payments?

• Pocket €99 or Pro €199, excl. VAT. Delivery usually takes one to three business days in mainland France.
• Fees: from 0.5% on French consumer cards, 2.6% on non-EU and business cards. Your first five payments are free (Tap to Pay and terminal combined).
• Card sales reach your account the next business day, in a single transfer.
• With Tap to Pay, your phone takes contactless payments as soon as it’s set up (iPhone, Android).

Order a terminal

Visa, Mastercard, Apple Pay and Google Pay. American Express isn’t accepted.

On the terminal, you can also accept these meal voucher cards, subject to CNTR accreditation:

• Edenred: Edenred meal voucher cards.
• Up: formerly Chèque Déjeuner.
• Pluxee: formerly Sodexo.
• Bimpli: meal voucher cards.
• Swile: meal voucher cards, also accepted with Tap to Pay.

How meal voucher acceptance works

Standard rates for EU consumer cards are 0.7% [FR/NL] 0.8% [DE/IT/ES]. Commercial cards and cards issued outside the EU are charged 2.6%

From the Smart plan, switch it on in the Accounts section of your app. Remuneration is calculated on your balance, and you qualify by using your account: make at least five eligible transactions of €1 or more each month, such as card payments, outgoing transfers, or Tap to Pay and terminal sales.

• Your balance is remunerated up to your plan’s cap: €50,000 on Smart, €100,000 on Premium, €200,000 on Team plans.
• It’s calculated daily and paid on the 2nd of the following month.
• Your current rate is shown in your app, and your money stays available at all times.

Eligible transactions and caps

From 23 November, on eligible Plus card payments. Redeem them from 26 November for miles, gift cards or discounts.

They aren’t earned on deferred-debit payments, cash withdrawals or some merchant categories.