Thank you for your support.

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:

• Improved our product by ensuring a high level of satisfaction to over 220,000 customers.
• Reinforced our presence in Europe by opening three new offices (Berlin, Milan and Barcelona), doubling our staff.

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:

• Help shape our product - You’ll get priority access to our products, so you can test them first. Your business acumen can only help us develop even better products to make business finance management easier.
• Be a part of a tech-driven community - You’re joining a growing pan-European collective of professionals and entrepreneurs looking to energize their businesses.
• Be a Qonto Ambassador - Love Qonto? Us too. Spread the word, and get rewards.
• Share in our success - Being an investor at Qonto means that if we grow, your investment can grow.

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:

• 18 and over;
• account holders with access as “Account Holder”, “Admin”, “Manager” or “Accountant”;
• currently residing in France, Italy, Germany or Spain.

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:

• You will receive a copy of the Articles of Association and other documents relevant to your investment in Qonto via email and soon thereafter there will be a 7-day cooling off period, where you are allowed to modify or cancel your investment.
• Once the cooling off period has passed, your investment commitment is considered legally binding and we will begin the process of collecting payment and issuing electronic share certificates.

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.