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.

Try it free for 30 days.

Multiple ways to save with sub-accounts

  1. Save for both everyday and long-term expenses
  2. Set aside funds to cover taxes, payroll, travel expenses, supplier payments…
  3. Never go over budget again

You’re in good hands

Individual IBAN

Each sub-account gets its own IBAN

Quick signup process

Create a Qonto account in just a few minutes

SEPA payments

Make lightning-fast payments from any of your accounts

Customer service

Our support team is available 7 days a week

Stay in control

  1. Virtual and physical cards for each account
  2. Manage each account from your Qonto app
  3. Allocate budgets, set spending limits, and track all your expenses in one place

Simplify your taxes

  1. Put aside funds for your tax return
  2. Separate income streams, improve cash flow
  3. Assign expenses to specific accounts

Adding sub-accounts: 3 simple steps


Sign in


Open a sub-account


Adjust the settings

Frequently asked questions

What are sub-accounts?

What does it cost to open sub-accounts?

Who can access my sub-accounts?

Can I receive funds on all my sub-accounts?