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Create your account in 10 minutes
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Once we confirm your ID, your account is open
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Order your first card in a flash
Business Mastercards - get the job done, fast
Spend up to €200,000 per month, per card
Free corporate cards included in all our plans
Customer support 7 days a week
Do more with less. Corporate cards you can rely on.
Pay securely online and in-store with physical and virtual cards
Monthly payment limits up to €60,000
Transparent pricing - no hidden fees
Customized corporate cards available with every plan.
Instant Cards
Card type
Price
Payment limit
per calendar month
Cash withdrawal limit
per calendar month
Number of free cash withdrawals
then €2 excl. tax for each extra withdrawal
Foreign exchange commission
outside the Euro zone
Compatible with Apple Pay/Google Pay
We’ve got you covered
Flight delayed? Lost your luggage? Our payment cards give you insurance that protects you against these mishaps as well as any risks to your business. When the going gets tough, we’ve got your back.
Supervise your spending
Block and unblock corporate cards in just a few clicks
Set payment limits and track your expenses in real-time
Approve transactions directly from the app - all backed by 3-D Secure technology
Metal X Card: a premium experience you can touch
Spend up to €60,000 per month
0 foreign transaction fees
A sleek, 17-gram metal card with a unique design
Travel secure with premium insurance
Concierge service and lounge access included
Our cards in their words
Thanks to virtual cards, any team member can spend on social media advertising.
Julien Legat
CEO and co-founder of Kosmoss
The X Card lets me make international payments for travel, software, suppliers...all with no added fees. The payment limits are very high and I can pay in foreign currency without the commission.
Robin Bonduelle
CEO and co-founder of Claap
In my Events business, I need to give my project managers autonomy when they’re on site. So I create cards for them that allow me to keep control of overall spending.
Maxime Comi
Founder of Good Morning People
Save time. For yourself and for your team.
Digitize your receipts
No more holding onto your receipts. Scan and upload them to your account instead. Digital receipts are certified and carry the same legal weight as their paper counterparts.
Optimized invoice management
Save time manually entering customer and supplier details.We’ll even detect your VAT for you.
Bookkeeping in a flash
Save time and create a smooth data flow by connecting Qonto to your favorite accounting tools.
Boss expenses as a team
Delegate expenses to your teams while keeping total visibility over their spending. Monitor budgets at a glance and in real-time.
Budget better with multi-accounts
Create multiple accounts with dedicated IBANs so you can filter your spending by type and separate team budgets.
SEPA instant transfers and direct debits
Send and receive transfers in a flash. Automate your recurring payments to save precious time.
Ready? Let’s go.
Your questions about corporate cards
How do I withdraw money with my Qonto business card?
Qonto’s cash withdrawal cards aren’t exactly like credit cards. While they allow you to withdraw cash from ATMs, you won’t be able to exceed the set limit. You can set this limit on a weekly or monthly basis - depending on your preferences - to help you better manage your budgets.
How much does a Qonto card cost?
Every Qonto plan comes with at least one physical One Card included. That said, you can always upgrade or request additional cards for an additional fee:
One Card
Free and included in your account package.; then €5/month excl. tax for every additional card beyond the number included in your plan.
Plus Card
€6/month (excl. tax)
X Card
€20/month (excl. tax)
How secure is my Qonto card?
Qonto cards are secured with 3-D Secure technology. 3-D Secure requires at least two separate verification methods from you (the user) across multiple devices. This help us make sure that it’s actually you using your card and, conversely, to better identify any potential fraudulent activity on your account.
How can I block my card?
If you suspect your card information may have fallen into the wrong hands, you can easily block your card directly from your Qonto account.
- Go to the Business Account section on your app, then click on Cards
- Select the card you want to block and click on Report lost/stolen, at the bottom of the right-hand side.
- Select Report as lost or Report as stolen.
- Enter your password to confirm the block.
What is the difference between a debit card and a credit card?
Qonto provides its users with debit cards, not credit cards. While credit card users are issued a line of credit from a financial institution which they are expected to pay interest on, debit cards draw funds directly from your account. With Qonto cards, you can assign different accounts or ‘multi-accounts’ from which each card will withdraw money.
What are the different types of debit card?
Qonto offers three different types of debit cards:
One Card
- Mastercard Business Debit
- Pay up to €20,000 per calendar month
- Withdraw up to €1,000 per calendar month
- Unlimited and free payments in Europe
- 1€ (excl. VAT) per withdrawal
- 2% foreign exchange commission on non-euro payments (and no fixed fees)
Plus Card
- Mastercard World Debit
- Pay up to €40,000 per calendar month
- Withdraw up to €2,000 per calendar month
- Unlimited and free payments in Europe
- 5 free withdrawals then 1€ (excl. VAT) per withdrawal
- 1% foreign exchange commission on non-euro payments (and no fixed fees)
X Card
- Mastercard World Debit
- Benefit from a 0% foreign exchange commission on non-Euro payments (and no fixed fees)
- Pay up to €200,000 per calendar month
- Withdraw up to €3,000 per calendar month
💡 If you’re registered with a German account, you can benefit from higher withdrawal limits. - Take full advantage of a concierge service available 7 days a week
- Access to airport lounges around the world
- Benefit from Qonto’s most exclusive card insurance
Qonto also offers virtual cards (included in most plans, or for €2/month excl. tax). Virtual cards allow you to spend up to €20,000 per calendar month.
There are also Qonto Flash cards, which are “temporary” virtual cards. Ideal for one-off team expenses, you can set a specific budget or limit its use to a specific category, like team lunches or travel expenses.
What are company payment cards?
Company payment cards are cards issued by the company to employees for business-related expenses. The company can manage these cards by setting spending limits, managing access and permissions, and blocking them whenever needed. This helps eliminate the need for team members to collect and submit receipts for reimbursement from the finance team.
How does a payment card work?
When you make a payment with your card, key details about your transaction are sent to and approved by different institutions. The payment is first sent to the acquirer for approval, then is sent onto the card issuing bank. The payment can either be rejected due to insufficient funds or a blocked account, or the bank will send an approval back to the acquirer, and the transaction is completed.