• 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

Explore by topic

A selection of topics to help you find the best reading

Business Creators
Freelancers
SMEs
  • Go back
  • Blog
  • SMEs

SMEs

Focus on what’s important - here are the essentials to help you drive your business forward.

  • purple

    SMES 5 mins

    4 ways to simplify your financial management

    By Evan Strait, April 30, 2024

  • Post Cover  black and white Team Mobile

    SMES 8 mins

    Fundamental networking strategies to sign clients

    April 24, 2024 By Evan Strait
  • Post Cover  Mint Sustainable Goals

    SMES 7 mins

    How to calculate your company's carbon footprint

    March 05, 2024 By Ellie Day
  • Post Cover  Purple Receipts

    SMES 5 mins

    The end of paper receipts (as we know them) in France

    May 21, 2023 By Michael Rounds
  • Post Cover  Mustard Cards Qonto

    SMES 2 mins

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

    February 10, 2023 By Amélie Cunha
  • Post Cover  Mustard Scan Receipt Contract

    SMES 5 mins

    Automate your business expense process

    January 25, 2023 By Mark Davis
  • Post Cover  Purple Contract Business

    SMES 6 mins

    How to Set Up a Partnership for Your Shared Business Success

    December 07, 2022 By Tom Bensley
  • Post Cover  Purple Team Settings

    SMES 3 mins

    Delegate better with the Manager role

    November 23, 2022 By Sarah Aberman
  • Post Cover  Mint Invoicing Management

    SMES 4 mins

    How to stick to your balance sheet forecast

    November 16, 2022 By Sarah Aberman
  • Post Cover  black and white Business Team 3

    SMES 8 mins

    Everything you need to know about VAT for your business

    By Panama Harris, November 08, 2022

  • Post Cover  Purple Transfer Qonto Bank

    SMES 4 mins

    What to do if your SEPA direct debit gets rejected

    August 01, 2022 By Panama Harris
  • Post Cover  Peach Invoicing

    SMES 6 mins

    5 best practices for automating your supplier invoices

    August 01, 2022 By Panama Harris
  • Post Cover  black and white Woman Easy 3

    SMES 11 mins

    Business Energy Savings: Reduce Your Consumption at Work

    July 20, 2022 By Tom Bensley
  • Post Cover  Purple Freelance Management

    SMES 6 mins

    How to create a balance sheet forecast

    June 30, 2022 By Panama Harris
  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
SMEs
Management and Accounting Company Growth Guides and Tools
Management and Accounting Company Growth
Guides and Tools
Pricing

Find the best plan for your business needs.

4.7

on App Store

4.7

on Play Store

4.7

on Trustpilot

BUSINESS ACCOUNT

Open Business Bank Account
Business Account for Freelancers
Account Remuneration
Bank Account for Associations

BUSINESS CARDS

One Card
Virtual Card
Plus Card
See all cards

COMPANY CREATION

Create a Company
Capital Deposit

GET PAID

POS Terminal
Payment Links
Tap-to-Pay iPhone
Tap-to-Pay Android

FINANCING

Business Financing
Pay Later
Overdraft

FINANCIAL TOOLS

Expense Management Software
Pre-accounting Solution
Invoicing Tool
Cash-flow Management
Integrations
Quotes Management

RESOURCES

Product Tour
Banking Comparators
Financial Glossary
SWIFT/BIC Code Finder
Qonto Insights
See all resources

COMPANY

Our Story
Press
Our Customers
Sustainability & Inclusion
Careers
Blog
FAQ & Support
Recommend Qonto
Ethics Charter

FOR DEVELOPERS

Qonto Embed
Qonto API
Qonto logo

Cookies Legal documents Privacy policy Security AI at Qonto Status Page

Select your language

Read our blog in your preferred language.

English
Français Deutsch Italiano Español Português Nederlands

Select your language

Read our blog in your preferred language.

English
Français Deutsch Italiano Español Português Nederlands

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.

👋 Hello! Need help?
1
Qonto chatbot
Qonto
Start again