Order your Qonto card in a few simple clicks

Every current account needs a payment card. That’s why it can be so frustrating that most traditional banks make you jump through hoops in order to get one.

You need to call your bank advisor, submit a request for a new card, sign the contract and then wait for them to process your request. Then you need to call your banker again for a progress update. Then, you wait some more.

At Qonto, we like to shred red tape, cut out unnecessary phone calls. And we hate it when you have to wait. We’ve developed a simple process available via your app. Read on for an overview on how to get your card. 👇

The first step is choosing between a physical card and a virtual card.

You can create virtual cards almost instantly online and get straight to your online shopping. Add them to Apple Pay or Google Pay and you can even use them in stores via your phone. You can also create them for your employees, so they gain more autonomy and independence purchasing what they need to do their jobs. And, as you can customize each card, you keep overall control of your business spend.

However, if you need a long-term, daily payment solution, nothing beats the good old-fashioned physical card. There's no waiting involved: you can use Qonto's physical cards the moment you create them, even in stores with Apple Pay or Google Pay. So it's ready for payments even before it's in your physical wallet, a few days after you created it. Physical cards also give you the luxury of choice: should you opt for the One Card, Plus Card or X card?

Your expenses vary depending on your line of business, the size of your company or industry sector. So should your card.

If you travel regularly for work, for example, the One Card is a safe bet. It allows you to spend up to €20,000 per month. However, if you often need to purchase equipment, perhaps the Plus Card would be more appropriate, as it allows you to spend up to €40,000. There’s more to consider more just payments limits: check out our article for a summary on the differences between the two cards.

The Metal X Card takes payments to another level.

Its 0% foreign exchange commission and the exclusive access it provides to airport lounges make it the ideal card for international business travellers. Made of stainless steel, it also appeals to those with an appreciation for design and the finer things in life. If this sounds like you, you may want to take a look at this.

Whichever card you go for, you’ll be able to manage it directly from the Qonto app and modify it to your liking.

Your business has specific needs and Qonto’s various card options can be adapted accordingly.

First of all, you’ll need to decide which of your team members need to be assigned cards. You’re not the only one eligible for a payment card; in theory, all your employees can have one or even several cards, as long as they have access to your Qonto account. Having access to your account doesn’t mean having visibility over all your information and cash flow - you decide their roles and who can see what.

Next, you can activate or disable the various card features: cash withdrawal, contactless payment, online purchases, and even international purchases. If you don’t think you’ll use one of these options, you can simply disable it to better protect your account. If you change your mind, you can always go back and activate it later.

Finally, you must set the payment and withdrawal limits. You can modify these limits as you wish, so long as they are within those applicable to the card. The goal is to keep control over expenses purchased on the card, even if it’s assigned to another cardholder.

Once you’re happy your card is set up exactly as you want it, all you need do is tell us where to send it.

At home, at work or anywhere. The choice is yours.

Your One card (or Plus card) will be waiting for you in your mailbox. Your X card, however, will be hand-delivered to you. Generally speaking, our physical cards arrive about 2-5 working days after you’ve ordered them. Remember that a virtual card can be available and active almost the moment you create it online.

No phone calls necessary. No driving to the bank. No hanging around in queues waiting to see your bank advisor. All it takes is a few minutes of your time and a few clicks of a mouse or taps of your finger. It really is as simple as that.

If you would like to give us any feedback on our cards or anything else, feel free to send us an email at support@qonto.com.