Qonto International
Transactions Index

The Qonto International Expansion Index indicates the share of freelancers and SMEs that show active cross-border payment activity in any given month.

The analysis is based on aggregated and anonymized payment information derived from more than 750,000 Qonto business customers across France, Germany, Italy and Spain.

This index should not be interpreted as reflective of the European market as a whole. It represents signals observed within Qonto's customer base and product ecosystem.

Published figures are aggregated, with anonymization, minimum-threshold, and suppression rules applied to prevent the identification of individual customers or the inference of confidential business patterns.

Industry sectors are aligned with NACE standards and grouped into broader sector categories for reporting purposes: Health, Education & Personal Services; Investment & Institutional Structures; Industry, Logistics & Trade; Commercial & Retail Activities; and Professional & Digital Services. Company size is determined using internal data. Country-level breakdowns reflect the business’ registered country.

For the purposes of the Index, a business is classified as “internationally active” in a given month when it has both:

• sent at least one cross-border transfer to a counterparty outside its country of registration;
• and received at least one cross-border transfer from a counterparty outside its country of registration.

This definition is designed to identify businesses with a more established pattern of international activity, rather than businesses with a single or occasional foreign transaction. Requiring both outbound and inbound cross-border flows helps distinguish companies that are actively operating across borders from those that may only have an isolated international client, supplier, or payment event.