Optimize your cash flow with sub-accounts
Open multiple sub-accounts with dedicated IBANs to separate expense items, taxes & business activities and organize team budgets.
![en white ui topic highlight multiple accounts](https://qonto.com/blog/images/asset/6104/image/b6261ced5f442006482684e440c58b86.png)
Multiple ways to save with sub-accounts
- Save for both everyday and long-term expenses
- Set aside funds to cover taxes, payroll, travel expenses, supplier payments…
- Never go over budget again
You’re in good hands
Individual IBAN
Quick signup process
SEPA payments
Customer service
Stay in control
- Virtual and physical cards for each account.
- Manage each account from your Qonto app.
- Allocate budgets, set spending limits, and track all your expenses in one place.
- Centralize your external accounts and oversee all your transactions and cash flow together.
![White Seo Highlight Account Aggregation](https://qonto.com/blog/images/asset/12624/image/be8cea621dc679ea67545894763ea719.png)
No more manual errors and budget overruns
Safely connect to your external bank accounts and payment services and pilot all your finances without leaving Qonto.
![White Topic Highlight Multi Account XCard](https://qonto.com/blog/images/asset/7089/image/0f693e22f16a2495c311f74ebc08f109.png)
Simplify your taxes
- Put aside funds for your tax return
- Separate income streams, improve cash flow
- Assign expenses to specific accounts
Adding sub-accounts: 3 simple steps
Sign in
Go to the Business account section of your Qonto web app, and click on Accounts
Open a sub-account
Click on the Create account button
Adjust the settings
Select the type of account (current or term deposit) you want, assign a name for it- and you’re done.
Sign in
Go to the Business account section of your Qonto web app, and click on Accounts
Open a sub-account
Click on the Create account button
Adjust the settings
Select the type of account (current or term deposit) you want, assign a name for it- and you’re done.
Sign in
Go to the Business account section of your Qonto web app, and click on Accounts
Open a sub-account
Click on the Create account button
Adjust the settings
Select the type of account (current or term deposit) you want, assign a name for it- and you’re done.