Compare plans in detail

Solo

9
HT
Per month
1 month free - No commitment

Standard

29
HT
Per month
1 month free - No commitment

Premium

99
HT
Per month
1 month free - No commitment

Solo

Standard

9
HT
Per month
Open an account

1 month free - No commitment

29
HT
Per month
Open an account

1 month free - No commitment

99
HT
Per month
Open an account

1 month free - No commitment

Solo

€ 9 / month

Open an account

Standard

€29 / month

Open an account

Premium

€99 / month

Open an account

Solo

€ 9 / month

Open an account

Standard

€29 / month

Open an account

Premium

€99 / month

Open an account

Current account

Transfers and direct debits

SEPA transfers and direct debits included per month of subscription (incoming/outgoing)

20

100

500

Additional SEPA transfers and direct debits

€0,50

€0,40

€0,25

Bulk transfers

Automate the payroll or suppliers' payment at the end of the month by initiating up to 400 transfers in one click. Simply upload a simple .XML or .CSV file, you will only have to verify the information and validate the payment.

Free and instant transfers between Qonto accounts

Automate the payroll or suppliers' payment at the end of the month by initiating up to 200 transfers in one click. Simply upload a simple .XML or .CSV file, you will only have to verify the information and validate the payment.

French, Italian, Spanish & German IBAN

Your IBAN is connected to the SEPA network (for all your payments in Europe) and to the SWIFT network (for your transfers abroad). By benefiting from a local IBAN, you can automate the payment of your taxes and contributions to your local public institutions.

Abroad

Outgoing transfers abroad via SWIFT

Receive transfers from all over the world and send money in 18 foreign currencies.

1%

1%

1%

Incoming transfers from abroad via SWIFT

Receive transfers from abroad (even outside the euro zone). The exchange rate applied varies according to the bank in charge of the conversion into euros. When Qonto receives the funds in foreign currency and handles the conversion, these fees are on average 2%.

On average 2% of fees are embedded in the exchange rate

€5 excl. VAT

Included

Included

Return of funds due to an anomaly related to a transfer in foreign currency

Please note that Qonto will cover the additional costs if the foreign currency transfer you initiated is returned to us due to an anomaly.

Included

Included

Included

Checks

Checks to cash included on 30-day rolling period

Then €2 excl. VAT per additional check to cash

0

3

10

Non-Sufficient Funds or rejected check

If you send us a NSF, or a cheque whose information doesn't match the information entered in the Qonto application, we won't be able to credit your current account. Please note that Qonto will never charge you any additional fees if this happens.

Included

Included

Included

Special operations

SEPA Creditor Identifier creation

The SEPA Creditor Identifier (ICS) enables you to debit your customers' accounts via SEPA Direct Debit. If you need it, please note that Qonto won't charge you any additional fees.

Included

Included

Included

Confirmation letter

It is a regulatory document that companies may need annually in the event of an auditor's intervention. Please note that Qonto will not charge you any additional fees for requesting a confirmation letter.

Included

Included

Included

Irregularity management

No additional fees will be charged for receiving an ATD, or blocking an amount in your account. Wondering what an ATD is? It is a procedure that allows the tax authorities to be reimbursed for an amount due by going directly through a third party, in this case Qonto.

Included

Included

Included

Capital increase

Capital increase enables the creation of new shares, which can then be purchased by one of the current shareholders or by a new shareholder.

€150 excl. VAT

€150 excl. VAT

€150 excl. VAT

Transfers and direct debits

SEPA transfers and direct debits included per month of subscription (incoming/outgoing)

SEPA transfers and direct debits included per month of subscription (incoming/outgoing)

20

100

500

Additional SEPA transfers and direct debits

Additional SEPA transfers and direct debits

€0,50

€0,40

€0,25

Bulk transfers

Automate the payroll or suppliers' payment at the end of the month by initiating up to 400 transfers in one click. Simply upload a simple .XML or .CSV file, you will only have to verify the information and validate the payment.

Bulk transfers

Automate the payroll or suppliers' payment at the end of the month by initiating up to 400 transfers in one click. Simply upload a simple .XML or .CSV file, you will only have to verify the information and validate the payment.

Free and instant transfers between Qonto accounts

Automate the payroll or suppliers' payment at the end of the month by initiating up to 200 transfers in one click. Simply upload a simple .XML or .CSV file, you will only have to verify the information and validate the payment.

Free and instant transfers between Qonto accounts

Automate the payroll or suppliers' payment at the end of the month by initiating up to 200 transfers in one click. Simply upload a simple .XML or .CSV file, you will only have to verify the information and validate the payment.

French, Italian, Spanish & German IBAN

Your IBAN is connected to the SEPA network (for all your payments in Europe) and to the SWIFT network (for your transfers abroad). By benefiting from a local IBAN, you can automate the payment of your taxes and contributions to your local public institutions.

French, Italian, Spanish & German IBAN

Your IBAN is connected to the SEPA network (for all your payments in Europe) and to the SWIFT network (for your transfers abroad). By benefiting from a local IBAN, you can automate the payment of your taxes and contributions to your local public institutions.

Abroad

Outgoing transfers abroad via SWIFT

Receive transfers from all over the world and send money in 18 foreign currencies.

Outgoing transfers abroad via SWIFT

Receive transfers from all over the world and send money in 18 foreign currencies.

1%

1%

1%

Incoming transfers from abroad via SWIFT

Receive transfers from abroad (even outside the euro zone). The exchange rate applied varies according to the bank in charge of the conversion into euros. When Qonto receives the funds in foreign currency and handles the conversion, these fees are on average 2%.

On average 2% of fees are embedded in the exchange rate

Incoming transfers from abroad via SWIFT

Receive transfers from abroad (even outside the euro zone). The exchange rate applied varies according to the bank in charge of the conversion into euros. When Qonto receives the funds in foreign currency and handles the conversion, these fees are on average 2%.

On average 2% of fees are embedded in the exchange rate

€5 excl. VAT

Included

Included

Return of funds due to an anomaly related to a transfer in foreign currency

Please note that Qonto will cover the additional costs if the foreign currency transfer you initiated is returned to us due to an anomaly.

Return of funds due to an anomaly related to a transfer in foreign currency

Please note that Qonto will cover the additional costs if the foreign currency transfer you initiated is returned to us due to an anomaly.

Included

Included

Included

Checks

Checks to cash included on 30-day rolling period

Then €2 excl. VAT per additional check to cash

Checks to cash included on 30-day rolling period

Then €2 excl. VAT per additional check to cash

0

3

10

Non-Sufficient Funds or rejected check

If you send us a NSF, or a cheque whose information doesn't match the information entered in the Qonto application, we won't be able to credit your current account. Please note that Qonto will never charge you any additional fees if this happens.

Non-Sufficient Funds or rejected check

If you send us a NSF, or a cheque whose information doesn't match the information entered in the Qonto application, we won't be able to credit your current account. Please note that Qonto will never charge you any additional fees if this happens.

Included

Included

Included

Special operations

SEPA Creditor Identifier creation

The SEPA Creditor Identifier (ICS) enables you to debit your customers' accounts via SEPA Direct Debit. If you need it, please note that Qonto won't charge you any additional fees.

SEPA Creditor Identifier creation

The SEPA Creditor Identifier (ICS) enables you to debit your customers' accounts via SEPA Direct Debit. If you need it, please note that Qonto won't charge you any additional fees.

Included

Included

Included

Confirmation letter

It is a regulatory document that companies may need annually in the event of an auditor's intervention. Please note that Qonto will not charge you any additional fees for requesting a confirmation letter.

Confirmation letter

It is a regulatory document that companies may need annually in the event of an auditor's intervention. Please note that Qonto will not charge you any additional fees for requesting a confirmation letter.

Included

Included

Included

Irregularity management

No additional fees will be charged for receiving an ATD, or blocking an amount in your account. Wondering what an ATD is? It is a procedure that allows the tax authorities to be reimbursed for an amount due by going directly through a third party, in this case Qonto.

Irregularity management

No additional fees will be charged for receiving an ATD, or blocking an amount in your account. Wondering what an ATD is? It is a procedure that allows the tax authorities to be reimbursed for an amount due by going directly through a third party, in this case Qonto.

Included

Included

Included

Capital increase

Capital increase enables the creation of new shares, which can then be purchased by one of the current shareholders or by a new shareholder.

Capital increase

Capital increase enables the creation of new shares, which can then be purchased by one of the current shareholders or by a new shareholder.

€150 excl. VAT

€150 excl. VAT

€150 excl. VAT

Team management

Number of members' accesses

1

5

Unlimited

Custom access for your Admins and employees

Permissions management by Admins

Invite your team members to join you. Admins can manage their accesses and set up their cards to keep control.

Management of transfers as a team

Save time by allowing your teams to pre-enter transfers. All you have to do is validate them.

Manager's role and team budget

Coming soon Save time by delegating some of your responsibilities. The manager can create cards for the teams, validate expenses, and manage a budget.

Number of members' accesses

Number of members' accesses

1

5

Unlimited

Custom access for your Admins and employees

Custom access for your Admins and employees

Permissions management by Admins

Invite your team members to join you. Admins can manage their accesses and set up their cards to keep control.

Permissions management by Admins

Invite your team members to join you. Admins can manage their accesses and set up their cards to keep control.

Management of transfers as a team

Save time by allowing your teams to pre-enter transfers. All you have to do is validate them.

Management of transfers as a team

Save time by allowing your teams to pre-enter transfers. All you have to do is validate them.

Manager's role and team budget

Coming soon Save time by delegating some of your responsibilities. The manager can create cards for the teams, validate expenses, and manage a budget.

Manager's role and team budget

Coming soon Save time by delegating some of your responsibilities. The manager can create cards for the teams, validate expenses, and manage a budget.

Finance management

Unlimited transaction history

Consult your history with no time limit. Are you looking for an expense that is many years old? It's possible. To help you find it quickly you have filters and a search bar.

Unlimited account statements and transaction history export

Real-time payment notifications

Keep an eye on your expenses. Receive a real-time notification on your phone or by email after each payment you make.

Receipt and invoice attachement after payment

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.

Automated finance management with Connect

New A set of tools and partners are connected to your Qonto account to help you automate your finance management. Among these tools, you will find several accounting tools. By connecting them with Qonto, all your transaction information (receipts, amounts, and VAT) will be automatically added to your accounting tool and synchronized in real-time.

Automated payments from PayFit and Pennylane

New Thanks to Qonto integrations with PayFit and Pennylane you can automate supplier and payroll payments.

Receipt and invoice attachment after payment and VAT selection

Once the invoice or receipt has been added, each member selects the corresponding vat among those proposed. The VAT information is then associated to each transaction (amount and rate).

Automatic VAT detection on receipts and invoices

Once the invoice or receipt has been added, each member selects the corresponding vat among those proposed. The VAT information is then associated to each transaction (amount and rate).

Dedicated access for your accountant

Expenses categorization

Customize your labels for an expense categorization adapted to your company's activity. Any business trip planned? Create a custom label! This will allow you to filter all expenses associated with this trip in one click.

Multi accounts

New Create up to 5 multiple accounts with dedicated IBANs to separate certain types of expenses (VAT, charges, payroll...), manage your different activities separately, and allocate budgets to your teams.

Unlimited transaction history

Consult your history with no time limit. Are you looking for an expense that is many years old? It's possible. To help you find it quickly you have filters and a search bar.

Unlimited transaction history

Consult your history with no time limit. Are you looking for an expense that is many years old? It's possible. To help you find it quickly you have filters and a search bar.

Unlimited account statements and transaction history export

Unlimited account statements and transaction history export

Real-time payment notifications

Keep an eye on your expenses. Receive a real-time notification on your phone or by email after each payment you make.

Real-time payment notifications

Keep an eye on your expenses. Receive a real-time notification on your phone or by email after each payment you make.

Receipt and invoice attachement after payment

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.

Receipt and invoice attachement after payment

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.

Automated finance management with Connect

New A set of tools and partners are connected to your Qonto account to help you automate your finance management. Among these tools, you will find several accounting tools. By connecting them with Qonto, all your transaction information (receipts, amounts, and VAT) will be automatically added to your accounting tool and synchronized in real-time.

Automated finance management with Connect

New A set of tools and partners are connected to your Qonto account to help you automate your finance management. Among these tools, you will find several accounting tools. By connecting them with Qonto, all your transaction information (receipts, amounts, and VAT) will be automatically added to your accounting tool and synchronized in real-time.

Automated payments from PayFit and Pennylane

New Thanks to Qonto integrations with PayFit and Pennylane you can automate supplier and payroll payments.

Automated payments from PayFit and Pennylane

New Thanks to Qonto integrations with PayFit and Pennylane you can automate supplier and payroll payments.

Receipt and invoice attachment after payment and VAT selection

Once the invoice or receipt has been added, each member selects the corresponding vat among those proposed. The VAT information is then associated to each transaction (amount and rate).

Receipt and invoice attachment after payment and VAT selection

Once the invoice or receipt has been added, each member selects the corresponding vat among those proposed. The VAT information is then associated to each transaction (amount and rate).

Automatic VAT detection on receipts and invoices

Once the invoice or receipt has been added, each member selects the corresponding vat among those proposed. The VAT information is then associated to each transaction (amount and rate).

Automatic VAT detection on receipts and invoices

Once the invoice or receipt has been added, each member selects the corresponding vat among those proposed. The VAT information is then associated to each transaction (amount and rate).

Dedicated access for your accountant

Dedicated access for your accountant

Expenses categorization

Customize your labels for an expense categorization adapted to your company's activity. Any business trip planned? Create a custom label! This will allow you to filter all expenses associated with this trip in one click.

Expenses categorization

Customize your labels for an expense categorization adapted to your company's activity. Any business trip planned? Create a custom label! This will allow you to filter all expenses associated with this trip in one click.

Multi accounts

New Create up to 5 multiple accounts with dedicated IBANs to separate certain types of expenses (VAT, charges, payroll...), manage your different activities separately, and allocate budgets to your teams.

Multi accounts

New Create up to 5 multiple accounts with dedicated IBANs to separate certain types of expenses (VAT, charges, payroll...), manage your different activities separately, and allocate budgets to your teams.

Customer support

7/7 support by email and phone

Our teams answer you 7 days a week by email and by phone in France. For companies registered in Spain, Italy or Germany, we answer you by e-mail 7 days a week and by phone 5 days a week.

Priority

Individual account management

Your personal account manager will help you open your account and guide you in the development of your business.

7/7 support by email and phone

Our teams answer you 7 days a week by email and by phone in France. For companies registered in Spain, Italy or Germany, we answer you by e-mail 7 days a week and by phone 5 days a week.

7/7 support by email and phone

Our teams answer you 7 days a week by email and by phone in France. For companies registered in Spain, Italy or Germany, we answer you by e-mail 7 days a week and by phone 5 days a week.

Priority

Individual account management

Your personal account manager will help you open your account and guide you in the development of your business.

Individual account management

Your personal account manager will help you open your account and guide you in the development of your business.

Cards

Physical cards included (One)

Then €5 (excl. VAT) per month / additional card

1

2

5

Virtual cards included (One)

Covid-19 : Free until further notice

Then €2 (excl. VAT) per month / additional card

0

2

Unlimited

Additional physical card per month (Plus)

Per month

€6 excl. VAT

€6 excl. VAT

€6 excl. VAT

Additional physical card per month (X)

Per month

€20 excl. VAT

€20 excl. VAT

€20 excl. VAT

Apple Pay

New Available for all Qonto cards. Pay in-store and online with your favourite devices. It's fast, simple and secure.

Google Pay™

New Available for all Qonto cards. Pay in-store and online with your favourite devices. It's fast, simple and secure.

Physical cards included (One)

Then €5 (excl. VAT) per month / additional card

Physical cards included (One)

Then €5 (excl. VAT) per month / additional card

1

2

5

Virtual cards included (One)

Covid-19 : Free until further notice

Then €2 (excl. VAT) per month / additional card

Virtual cards included (One)

Covid-19 : Free until further notice

Then €2 (excl. VAT) per month / additional card

0

2

Unlimited

Additional physical card per month (Plus)

Per month

Additional physical card per month (Plus)

Per month

€6 excl. VAT

€6 excl. VAT

€6 excl. VAT

Additional physical card per month (X)

Per month

Additional physical card per month (X)

Per month

€20 excl. VAT

€20 excl. VAT

€20 excl. VAT

Apple Pay

New Available for all Qonto cards. Pay in-store and online with your favourite devices. It's fast, simple and secure.

Apple Pay

New Available for all Qonto cards. Pay in-store and online with your favourite devices. It's fast, simple and secure.

Google Pay™

New Available for all Qonto cards. Pay in-store and online with your favourite devices. It's fast, simple and secure.

Google Pay™

New Available for all Qonto cards. Pay in-store and online with your favourite devices. It's fast, simple and secure.

Cards made for everyone,
no matter what your plan is

One Card

The reliable and modern card, included in your plan

Also available in virtual

Qonto Virtual Cards are available instantly and allow you to shop securely online. Just like physical cards, they come with an insurance policy.

Plus Card

Experience more freedom without compromise

X Card

Metal badge

An exceptional metal card with unique advantages

Monthly fee (not included in the subscription)

€5 excl. VAT

€6 excl. VAT

€20 excl. VAT

Card payment limits

30-day rolling period

€20,000

€40,000

€60,000

ATM withdrawal limits

30-day rolling period

€1,000

€2,000

€3,000

ATM withdrawals included

Then €1 excl. VAT per withdrawal

0

5

Unlimited

Foreign exchange commission on non-euro card payments

per transaction

2 %

1 %

Free

Conciergerie

Benefit from a personal assistant who answers all your requests 7 days a week.

Right of access to airport lounges

Enjoy access to more than 1100 lounges worldwide and turn your time at the airport into a relaxing moment.

Insurance and assistance Mastercard

All our Qonto cards, virtual and physical, provide you with Mastercard insurance and assistance. Levels of coverage vary depending on the card you have (One, Plus or X).

Compare insurances

Business Classic

Business Advanced

Business Exclusive

Additional card printing and delivery fee

€ 6 excl. VAT

€6 excl. VAT

€6 excl. VAT

One Card
Plus Card
X Card
previous next

One Card

The reliable and modern card, included in your plan

Also available in virtual Qonto Virtual Cards are available instantly and allow you to shop securely online. Just like physical cards, they come with an insurance policy.

Monthly fee (not included in the subscription)

€5 excl. VAT

Card payment limits

30-day rolling period

€20,000

ATM withdrawal limits

30-day rolling period

€1,000

ATM withdrawals included

Then €1 excl. VAT per withdrawal

0

Foreign exchange commission on non-euro card payments

per transaction

2 %

Conciergerie

Benefit from a personal assistant who answers all your requests 7 days a week.

Right of access to airport lounges

Enjoy access to more than 1100 lounges worldwide and turn your time at the airport into a relaxing moment.

Insurance and assistance Mastercard

All our Qonto cards, virtual and physical, provide you with Mastercard insurance and assistance. Levels of coverage vary depending on the card you have (One, Plus or X).

Compare insurances

Business Classic

Additional card printing and delivery fee

€ 6 excl. VAT

Plus Card

Experience more freedom without compromise

Monthly fee (not included in the subscription)

€6 excl. VAT

Card payment limits

30-day rolling period

€40,000

ATM withdrawal limits

30-day rolling period

€2,000

ATM withdrawals included

Then €1 excl. VAT per withdrawal

5

Foreign exchange commission on non-euro card payments

per transaction

1 %

Conciergerie

Benefit from a personal assistant who answers all your requests 7 days a week.

Right of access to airport lounges

Enjoy access to more than 1100 lounges worldwide and turn your time at the airport into a relaxing moment.

Insurance and assistance Mastercard

All our Qonto cards, virtual and physical, provide you with Mastercard insurance and assistance. Levels of coverage vary depending on the card you have (One, Plus or X).

Compare insurances

Business Advanced

Additional card printing and delivery fee

€6 excl. VAT

X Card

An exceptional metal card with unique advantages

Monthly fee (not included in the subscription)

€20 excl. VAT

Card payment limits

30-day rolling period

€60,000

ATM withdrawal limits

30-day rolling period

€3,000

ATM withdrawals included

Then €1 excl. VAT per withdrawal

Unlimited

Foreign exchange commission on non-euro card payments

per transaction

Free

Conciergerie

Benefit from a personal assistant who answers all your requests 7 days a week.

Right of access to airport lounges

Enjoy access to more than 1100 lounges worldwide and turn your time at the airport into a relaxing moment.

Insurance and assistance Mastercard

All our Qonto cards, virtual and physical, provide you with Mastercard insurance and assistance. Levels of coverage vary depending on the card you have (One, Plus or X).

Compare insurances

Business Exclusive

Additional card printing and delivery fee

€6 excl. VAT

Pricing applicable from 02/07/2020