Drive your business, pilot your finances
Made with small (10-49 employees) & medium-sized (50-250 employees) businesses in mind.
- Pay & get paid quicker with instant SEPA transfers.
- Send & receive funds in 30+ currencies between 130+ countries.
- Centralize customer & supplier invoices & track payments.
- Priority 7-day-a-week customer support. There when you need it, as soon as you need it.
The perfect addition for SMEs at all stages of growth
Real-time visibility
Reliable reporting
Seamless integrations
Priority support
Smart tools to drive your business
Monitoring
Payments
Automation
Invoicing
Accounting
Keep control over spending
Your spending at a glance. Set budgets & configure payment limits for your team, in line with their needs & yours.
- Smart company cards with personalized spending rules.
- Up-to-the-minute budget overviews.
- Create multi-layer approval workflows for custom amounts.
Do business across borders
Pay & get paid faster, in Europe and beyond. Get your money where it needs to go - wherever your partners are based.
- International transfers to 130+ countries, powered by Wise.
- Instant SEPA transfers of up to €100,000 & outgoing direct debits.
- Your choice from a range of smart & reliable payment cards, with options for commission-free foreign purchases.
Automate time-consuming tasks
Ditch the manual work. Delegate to Qonto & win back time for your finance team to focus on their strategic role.
- Certified expense receipts that hold the same legal weight as their paper counterparts.
- Accelerate reconciliation. VAT & payment information detection.
- Auto reminders for missing receipts: save 5 hours a month.
Track client & supplier invoices
Our built-in invoicing feature helps you get paid faster. And our financial tools save you time on supplier invoices.
- Quotes & one-off or recurring invoices issued in 29 currencies.
- Automatic invoice collection from over 10,000 supplier portals & scheduled supplier payments.
- Real-time monitoring of payment dates & progress.
Get your books balanced quicker
Easy & secure data exports. Centralize all your external bank & payment service transactions & sync to your accountant’s preferred tool.
- 30+ integrations & EBICS interface with your ERP.
- Custom data exports in the right format for your accounting tool.
- Real-time monitoring of payment dates, inflows & outflows.
Start managing your cash flow
- Monitor your inflows and outflows to stay ahead of potential shortfalls.
- Generate financial forecasts based on Qonto customers data in just one click.
Group all your invoices, subscriptions, and withdrawals in a single dashboard.
Set up custom categories to sort your transactions with precision.
Running a small business?
No need to get rid of the tools your team know and love - Qonto slots in alongside your existing tech lineup.
15,000+ integrations that slot seamlessly into your existing workflow
The Total Economic Impact™ of Qonto
Small businesses are seeing big benefits with Qonto. Read more in this 2025 commissioned study conducted by Forrester Consulting.
€
51,000
in benefits over 3 years
%
faster day-to-day finance admin
<6
months
for the net benefits to match the initial investment
Our customers say it best
Our customers say it best
Coming soon: there’s more just around the corner
E-invoicing
Get ahead of mandatory e-invoicing. Create, send & receive invoices in electronic format, ready for the reform.
HR software integration
Boost control over expenses, with automatic account deactivation when an employee leaves your company.
Ready to pilot your business to success?
The leading online business account for paying and getting paid quickly and easily.
With integrations tailored to SMEs, and smart tools for total control and visibility over financial data.