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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 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.

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 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.
Bulk transfers 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.
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 and VAT selection
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.
VAT selection from receipt or invoice 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 and VAT selection
Receipt and invoice attachement after payment and VAT selection
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.
VAT selection from receipt or invoice 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).
VAT selection from receipt or invoice 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)

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

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)

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

Virtual cards included (One)

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

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