• Getting started

      • How to find a business idea
      • Business name ideas
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      • 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
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      • Funding and planning

      • How to get funding for a business
      • Overcome the fear of financial risk
      • Corporate financing
      • Startup financial plan essentials
      Fast-track your company creation
      Fast-track your company creation

      Delegate your company creation formalities to our experts.

      • Getting started

      • Pros and cons of being self-employed
      • 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 you need a freelance contract
      • Freelancer invoicing
      • Freelancer charges
      • Terms and conditions
      • Income and growth

      • YouTube monetization guide
      • The rise of freelance collectives
      • Working well with freelancers
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      • Freelancers: how to file taxes
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      • Writing a profit and loss statement
      Discover our self-employed plans
      Discover our self-employed 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
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      What's the best plan for you?
      What's the best plan for you?

      Try our package finder and discover the perfect package for your needs.

      • 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
      • How Qonto simplifies your VAT return
      • 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
      • Best expense management software
      Qonto, your all-in-one solution
      Qonto, your all-in-one solution

      Beyond a business account: financing, invoice management, accounting, 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

      • What happens behind a bank transfer
      • SWIFT international transfer guide
      • How to handle rejected SEPA debits
      • Bulk transfers save time
      Start accepting payments with Qonto
      Start accepting payments with Qonto

      Open your account in minutes and get paid fast.

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
    Fast-track your company creation
    Fast-track your company creation

    Delegate your company creation formalities to our experts.

    • Getting started

    • Pros and cons of being self-employed
    • 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 you need a freelance contract
    • 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 self-employed plans
    Discover our self-employed 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
    What's the best plan for you?
    What's the best plan for you?

    Try our package finder and discover the perfect package for your needs.

    • 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
    • How Qonto simplifies your VAT return
    • 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
    • Best expense management software
    Qonto, your all-in-one solution
    Qonto, your all-in-one solution

    Beyond a business account: financing, invoice management, accounting, 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

    • What happens behind a bank transfer
    • SWIFT international transfer guide
    • How to handle rejected SEPA debits
    • Bulk transfers save time
    Start accepting payments with Qonto
    Start accepting payments with Qonto

    Open your account in minutes and get paid fast.

Visit Qonto

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The credit card is by far the most popular means of payment in Europe. Check out our articles to keep you informed of good practices and news.

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  • Post Cover  Mint Card Management

    CARD 7 mins

    Business card for personal use: Is that possible?

    By Tom Bensley, May 11, 2025

  • Post Cover  Mustard Cards Qonto

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    Instant Card, your best asset to manage one-off expenses

    February 10, 2023 By Amélie Cunha
  • Post Cover  Purple Card Wallet

    CARD 4 mins

    Switching Credit Cards: What You Need to Know

    August 11, 2022 By Tom Bensley
  • Image placeholder

    CARD 4 mins

    Why your credit card isn’t a credit card

    May 23, 2022 By Hans Bousquet-Lafond
  • Post Cover  Peach Physical Cards

    CARD 6 mins

    Credit Card vs Debit Card – What You Need to Know

    April 28, 2022 By Tom Bensley
  • Post Cover  Purple Physical Cards

    CARD 6 mins

    Disposable payment cards: a one-off solution for one-off expenses

    October 21, 2021 By Mark Davis
  • Post Cover  Mustard Physical Cards

    CARD 2 mins

    Torn between physical cards and virtual cards?

    December 09, 2019 By Lucie Casamitjana
  • Post Cover  Mustard Physical Cards

    CARD 3 mins

    Virtual Cards: Safe and Convenient Expenses for You and Your Team

    June 11, 2019 By Tom Bensley
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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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