Registration for the fundraising campaign is now closed.
More than 12,000 of you have expressed interest in becoming a shareholder at Qonto. We’re very much looking forward to sharing our success with you and building the finance management solution of tomorrow.
Find out why it is we’re inviting our clients to invest in us, and learn what it really means to be a Qonto shareholder.
Help us build the best finance management solution out there and reach 1 million European SME and freelancers by 2025.
Qonto is currently valued at €4.4 billion. And that’s after just 4.5 years of activity. We also have the support of notable investors from all around the world.
Our mission: to create a finance management solution that energizes your business. Who better than you - as a client but more importantly as an entrepreneur - can help us reach our goal?
Qonto is the first unicorn scale-up business in the EU to launch a community fundraising campaign, thanks to new regulations on crowdfunding.
Qonto’s key wins, at a glance
Dedication to our customers is in our DNA. Client satisfaction is our #1 priority - we’re always looking to improve what we can offer you. We aspire to be an ally for your business and give you the boost you need to grow even bigger, even faster.
Today, we’re taking it a step further. We want to give our customers the power to help us in our mission by becoming shareholders. You’ll be contributing alongside our incredible group of major investors to Qonto’s success and helping build its future.
Qonto has always been about entrepreneurship. Qonto was built by entrepreneurs, for entrepreneurs. Our clients understand the challenges of fintech and the value of our products, as well as our mission. We wanted to involve them more in helping us build a European community driven by technology.
Historically, Qonto has achieved some great results.
For instance, in the past two years, we have:
Since 11 January, Qonto has joined a very small circle of unicorns. Having raised €486 million in our Series D funding, Qonto is valued at over €4.4 billion.
Following our Series D fundraising, we invested even more in our product, our customer service and our team of talents. Our goal: to become the best finance management solution out there and reach 1 million European SME and freelancers by 2025.
The funds raised during this particular community fundraising campaign will help us focus on growth and continue to deliver on our mission, by your side.
There are many perks to investing in Qonto. You get to:
Community fundraising is an equity-based financing solution for unlisted companies (i.e. not traded on a formal exchange). Some of you may know this as equity crowdfunding.
In exchange for their contribution, investors usually receive shares or stock in the company. This means they have the potential to make a profit in the event that the company goes public or gets acquired by another company at a higher value than that which was set when the shares were distributed. Conversely, there is an equal risk of losing part or all of the money invested in the event that the company loses value.
Crowdcube is the first European investment platform that allows start-ups and scale-ups to open up their capital to both novice and experienced investors who are interested in contributing towards the future of businesses they believe in.
Since its founding, Qonto has raised a total of €622 million with international investors such as Valar, Alven, the European Investment Bank, Tencent, DST Global, Tiger Global, TCV, Alkeon, Eurazeo, KKR, Insight Partners, Exor Seeds and Gaingels.
Today Qonto is valued at €4.4 billion and is a member of the French Tech Next40 for the second year in a row.
This community fundraising campaign will be open primarily to Qonto users who are:
Both the user’s Qonto account and their access need to be active when the campaign is launched.
Please note: only users who pre-registered to indicate their interest will be given priority access to invest. We hope to be able to give you every opportunity to invest, however we cannot guarantee it.
Pre-registration for Qonto’s community fundraising campaign has now closed.
The official launch date of the campaign will soon be announced to those who a) will have indicated their interest and b) respond to the criteria listed above in the question above titled “Who can invest in Qonto?”.
No. By filling out this form, you simply indicated your interest in learning more about the campaign and signed up for the priority list of potential investors.
We shared this information with you well ahead of schedule because we wanted those who know us best - our customers and our community - to be the first to be in the know.
If you pre-registered, we recommend that you also create an account with Crowdcube using the email address you use with Qonto. You’ll get the latest updates once the campaign starts.
The minimum investment will be equal to the price of one Qonto share, i.e. €137.94.
As for the maximum, this will depend on the demand as we wish to serve as many investors as possible. Our initial thought was to cap the amount at €10,000.
Our community investment shares will be the same price as the shares we sold during our last fundraising round (Series D in January 2022), i.e. €137.94.
Keep in mind, our shares have no present market value because Qonto is not currently listed on the stock market.
That said, the value of the share will continue to evolve over time, and can be set either after a significant change in our capital or by expert appraisal. We are very ambitious and hopeful for the coming years but we cannot give an exact number.
Valuations are sensitive to lots of external factors such as financial market valuation, economic outlook (level of interest rate), amount of capital available for investments by VCs etc.
Once the campaign closes, the completion process begins:
And that’s it - you’ll officially be a Qonto shareholder.
The shares will be lodged in a Nominee managed by Crowdcube. A Nominee is an intermediary account that is held by Crowdcube on behalf of the investor for ease of both present and future transactions. While the Crowdcube nominee holds the legal title of the shares, the individual investors receive all the benefits associated with the investment, such as any future returns.
Our goal is to implicate our clients on Qonto’s value creation in the long run, which is why we do not permit the sale of Qonto shares for the time being. However, in the future there may be many exit opportunities - for example an IPO, the sale of Qonto, or organised secondary transactions.
As a Qonto shareholder, you will be entitled to any proceeds related to the shares (sales proceeds and dividends if applicable) and you may be consulted on certain decisions to be approved by the shareholders’ meeting (approval of the annual accounts, issuance of new shares).
The shares benefit from a contractual preference right on the proceeds in the event of an exit.
In a nutshell, this means that if the price per share for the exit is below the subscription price of your shares, you will have a preferential right on the proceeds up to the amount of your investment and you will be reimbursed of your invested amount in priority. This limits the risk of your investment.
Discover the professional account that boosts finance management for over 220,000 businesses in Europe.
Crowdcube is targeted exclusively at investors who are sufficiently sophisticated to understand these risks and make their own investment decisions. Investment opportunities are not offers to the public and investors must be eligible Crowdcube members.
This is a marketing communication that has been approved by Crowdcube, a crowdfunding service provider authorised and regulated by the Financial Conduct Authority (FCA) and the Comisión Nacional del Mercado de Valores (CNMV) and sent on behalf of Crowdcube by Qonto.