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
- 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

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
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.
01
Sign in
Go to the Business account section of your Qonto web app, and click on Accounts
02
Open a sub-account
Click on the Create account button
03
Adjust the settings
Select the type of account (current or term deposit) you want, assign a name for it- and you’re done.