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.
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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

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Individual IBAN

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Each sub-account gets its own IBAN
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Quick signup process

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Create a Qonto account in just a few minutes
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SEPA payments

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Make lightning-fast payments from any of your accounts
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Customer service

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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
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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

Already have a Qonto account? You can open sub-accounts in just three easy steps. Diversify your cash flow while staying in control of spending.

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.

Frequently asked questions

What are sub-accounts?

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What does it cost to open sub-accounts?

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Who can access my sub-accounts?

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Can I receive funds on all my sub-accounts?

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