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Legal forms
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SAS, SASU, SARL, EURL, SC, micro-entreprises, professions libérales
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SAS, SASU, SARL, EURL, SC, micro-entreprises, professions libérales and associations
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Micro-entreprises
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Freelancers
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Micro-entreprises, EURL, EIRL, SASU, SARL, SAS
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Monthly pricing
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From €9
(excl. VAT)
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From €9,50
(inc. VAT)
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From €9
(inc. VAT)
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Free
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From €3,90
(inc.VAT)
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Capital Deposit
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€50 alone
or included in yearly pack
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€200
or included in a pack
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From €30
(exc. VAT)
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N/A
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€69 alone
or included in a pack
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Card transactions in euros
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Unlimited
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Unlimited
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Unlimited
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Unlimited
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Unlimited
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Non-euro card payment
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Free
with the X card
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€0
per transaction
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1,94%
per transaction
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€0
per transaction
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1,90%
per transaction (with the Premium card)
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ATM withdrawal
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Free
with the X cars or €1 per withdrawal (with the One Card)
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€2
per withdrawal
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Free
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5 free withdrawals
then €2 per withdrawal
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€1
per withdrawal (2 withdrawals per month for Premium users)
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Payment limits
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Up to €60.000 per card
on 30 rolling days with the X Card
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€30.000 per month
with a limit 5.000€ per day
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€3.000
on 30 rolling days
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Unlimited
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No information
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ATM withdrawal limits
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Up to €3.000 per card
on 30 rolling days with the X Card
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€5.000
per month
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€920
on 7 rolling days
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€2.500
per day and max 20.000€ per month
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No information
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In/out SEPA transfers in euros
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Outgoing SEPA transfers in foreign currencies
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Between 0.70% and 0.90%
per transfer (18 currencies)
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From 0,70%
+ €2,50 per transfer
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0,1%
(minimum transfer amount of €20)
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Transferwise
pricing
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From 0.06%
per turnover
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Incoming SEPA transfers in foreign currencies
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Free
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Bank fees
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0,1%
(minimum transfer amount of €20)
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Free
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Bank fees
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Debits
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SEPA debits
+ B2B SEPA debits included
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€2
per SEPA debit mandate
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Included
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SEPA direct debits available and free
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SEPA debits included
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Card reader
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1,75% on transaction amount
+ €19 for card reader (to pay once) with iZettle
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1,50% on transaction amount
+ €19 for card reader (to pay once)
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1,75% on transaction amount
+ €19 for card reader (to pay once) with iZettle
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N/A
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1,49% on transaction amount
+ €19 for card reader (to pay once) with SumUp
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Type of card provided
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Debit Mastercard card
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Debit Mastercard card
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Visa Premier card or Visa Classic card
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Mastercard card
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Prepaid Mastercard card
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Checkbook
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Check cashing
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Receipt certification and archiving
New
Receipts digitized on Qonto hold the same value as their paper version, thanks to probative value certification. In a simple scan, you are covered in case of control.
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Automatic VAT detection
New
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IBAN
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French IBAN
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French or British IBAN
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French IBAN
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IBAN depending on market
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French IBAN
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Bank overdraft granted
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Maximum of €2.500
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Overdraft is possible
up to €10K for all German and Austrian customers
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