• Getting started

      • How to find a business idea
      • Business name ideas
      • How to write a business plan
      • Business model canvas template
      • Ways to earn

      • How to make money on Etsy
      • How to become a consultant
      • Side hustles
      • Brand and online business

      • Brand identity
      • Build your brand on Linkedin
      • 5 tips to launch an online store
      • Build websites & apps with no code
      • Common pitfalls

      • Business startup mistakes to avoid
      • Creating a company while employed
      • 5 steps to launch your startup
      • Funding and planning

      • How to get funding for a business
      • Overcome the fear of financial risk
      • Corporate financing
      • Startup financial plan essentials
      Create your company, faster
      Create your company, faster

      Let our experts handle your company setup.

      • Getting started

      • Self-employment: pros and cons
      • How to become self-employed
      • Freelance professional bank account
      • How to set your daily rate
      • Managing your money

      • Factoring: how it works
      • Best money-saving apps
      • Money-saving tips for business
      • Contracts and invoicing

      • Why freelancers need contracts
      • Freelancer invoicing
      • Freelancer charges
      • Terms and conditions
      • Income and growth

      • YouTube monetization guide
      • The rise of freelance collectives
      • Working well with freelancers
      • Taxes and insurance

      • Freelancers: how to file taxes
      • Self-employed insurance
      • Loans for self-employed
      • Writing a profit and loss statement
      Discover our plans
      Discover our plans

      Business account, e-invoicing, and much more.

      • Bank account basics

      • Bank transfer reference number
      • How to make a bank transfer
      • How long do money transfers take?
      • Use cases for sub-accounts
      • Choosing a bank

      • Business account or neobank?
      • Traditional vs modern banking
      • Credit vs payment institutions
      • Security

      • How to detect and avoid phishing
      • Lost bank card
      • Secure online banking
      • Bank scams
      • Digital banking

      • What is digital banking?
      • IDnow identity verification
      • What is account aggregation?
      • Payments and debits

      • SEPA direct debit B2B
      • Cancel a pending transaction
      • Chargeback
      • Credit card to bank transfer guide
      Discover Qonto
      Discover Qonto

      Browse our demo and give your finance management a boost.

      • Accounting

      • How to prepare a balance sheet
      • Calculate pre-tax amounts
      • Payroll for a small business
      • OCR for accounting
      • Budget and cash flow

      • How to create a business budget
      • Grow your company’s excess cash
      • Jump-start your budget monitoring
      • VAT and taxes

      • Everything to know about VAT
      • Qonto simplifies your VAT
      • Pay your taxes & fees with Qonto
      • VAT and multiple accounts
      • Finance resources

      • Finance apps
      • Financial news sources
      • Finance podcasts
      • Expenses and receipts

      • How to scan receipts
      • The end of paper receipts
      • Expense reimbursement
      • Expense management software
      Qonto, your all-in-one solution
      Qonto, your all-in-one solution

      Beyond banking: financing, invoicing, and more.

      • Cards

      • Business card for personal use
      • Credit vs debit vs prepaid cards
      • Credit card vs debit card
      • Switching credit cards
      • Point of sale

      • What's a point of sale?
      • Types of card readers
      • Virtual and instant cards

      • Virtual cards for team expenses
      • Instant cards for one-off expenses
      • Disposable instant cards
      • Physical or virtual cards?
      • Transfers and direct debit

      • How a bank transfer works
      • SWIFT international transfer guide
      • How to handle rejected SEPA debits
      • Bulk transfers save time
      Start accepting payments
      Start accepting payments

      Open your account in minutes.

Visit Qonto
Visit Qonto
    • Getting started

    • How to find a business idea
    • Business name ideas
    • How to write a business plan
    • Business model canvas template
    • Ways to earn

    • How to make money on Etsy
    • How to become a consultant
    • Side hustles
    • Brand and online business

    • Brand identity
    • Build your brand on Linkedin
    • 5 tips to launch an online store
    • Build websites & apps with no code
    • Common pitfalls

    • Business startup mistakes to avoid
    • Creating a company while employed
    • 5 steps to launch your startup
    • Funding and planning

    • How to get funding for a business
    • Overcome the fear of financial risk
    • Corporate financing
    • Startup financial plan essentials
    Create your company, faster
    Create your company, faster

    Let our experts handle your company setup.

    • Getting started

    • Self-employment: pros and cons
    • How to become self-employed
    • Freelance professional bank account
    • How to set your daily rate
    • Managing your money

    • Factoring: how it works
    • Best money-saving apps
    • Money-saving tips for business
    • Contracts and invoicing

    • Why freelancers need contracts
    • Freelancer invoicing
    • Freelancer charges
    • Terms and conditions
    • Income and growth

    • YouTube monetization guide
    • The rise of freelance collectives
    • Working well with freelancers
    • Taxes and insurance

    • Freelancers: how to file taxes
    • Self-employed insurance
    • Loans for self-employed
    • Writing a profit and loss statement
    Discover our plans
    Discover our plans

    Business account, e-invoicing, and much more.

    • Bank account basics

    • Bank transfer reference number
    • How to make a bank transfer
    • How long do money transfers take?
    • Use cases for sub-accounts
    • Choosing a bank

    • Business account or neobank?
    • Traditional vs modern banking
    • Credit vs payment institutions
    • Security

    • How to detect and avoid phishing
    • Lost bank card
    • Secure online banking
    • Bank scams
    • Digital banking

    • What is digital banking?
    • IDnow identity verification
    • What is account aggregation?
    • Payments and debits

    • SEPA direct debit B2B
    • Cancel a pending transaction
    • Chargeback
    • Credit card to bank transfer guide
    Discover Qonto
    Discover Qonto

    Browse our demo and give your finance management a boost.

    • Accounting

    • How to prepare a balance sheet
    • Calculate pre-tax amounts
    • Payroll for a small business
    • OCR for accounting
    • Budget and cash flow

    • How to create a business budget
    • Grow your company’s excess cash
    • Jump-start your budget monitoring
    • VAT and taxes

    • Everything to know about VAT
    • Qonto simplifies your VAT
    • Pay your taxes & fees with Qonto
    • VAT and multiple accounts
    • Finance resources

    • Finance apps
    • Financial news sources
    • Finance podcasts
    • Expenses and receipts

    • How to scan receipts
    • The end of paper receipts
    • Expense reimbursement
    • Expense management software
    Qonto, your all-in-one solution
    Qonto, your all-in-one solution

    Beyond banking: financing, invoicing, and more.

    • Cards

    • Business card for personal use
    • Credit vs debit vs prepaid cards
    • Credit card vs debit card
    • Switching credit cards
    • Point of sale

    • What's a point of sale?
    • Types of card readers
    • Virtual and instant cards

    • Virtual cards for team expenses
    • Instant cards for one-off expenses
    • Disposable instant cards
    • Physical or virtual cards?
    • Transfers and direct debit

    • How a bank transfer works
    • SWIFT international transfer guide
    • How to handle rejected SEPA debits
    • Bulk transfers save time
    Start accepting payments
    Start accepting payments

    Open your account in minutes.

Visit Qonto

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Business management
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Qonto SA is a Société Anonyme under French law, registered at the Paris Trade Register (n° 819 489 626) having its headquarters at 6 Impasse Bonne Nouvelle, 75010 Paris, France.

Qonto SA is a licensed payment institution authorized by the French Autorité de Contrôle Prudentiel et de Résolution (ACPR), under the registration number 16958.`

The entirety of the funds collected from our customers is safeguarded in compliance with the relevant legislation. A part of these funds is either held by our banking partners, Crédit Mutuel Arkéa, Société Générale, Natixis or Rothschild Martin Maurel, or invested in qualified money market funds, with the corresponding fund units held by Société Générale. The French Fonds de Garantie des Dépôts et de Résolution (FGDR) covers the deposits up to a limit of €100,000 for each of our banking partners and for each client, in the case of bankruptcy of one of these partner banks. Another part is fully covered by two stand-alone guarantees, one granted by Crédit Agricole CIB, a subsidiary of Crédit Agricole S.A., and the other by BNP Paribas.

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