Cover expenses without stress

Qonto's business credit card lets you make purchases now and pay for them later—all at once on a set date. Here's how it works:

• Make purchases using your card throughout the month (up to your monthly credit limit).
• Your account balance isn't touched—the amount is held as credit.
• On the 1st of the next month, we automatically debit your Qonto account for the full amount you spent.
• Your credit limit resets, and you're ready for the next cycle.

Your business must meet certain eligibility criteria to benefit from the credit card offered by Qonto:

• Your business must have been registered for at least 6 months (9 months in Germany).
• You must have been a Qonto customer for at least 6 months.
• Your business headquarters must be based in France, Germany, Spain or the Netherlands;
• Your business must be an active organization with stable, consistent revenue over the last 6 months.

Qonto also runs additional automatic checks so your eligibility and available credit amount may change over time. Additionally, Qonto may revoke access to this card if you're subject to seizure for debts contracted with companies, individuals, or financial authorities, or if your business account isn't funded at repayment time, for example.

If you’re eligible, you can then order a Plus Credit or X Credit card directly from your Qonto app. This new card will bear the “credit” label and will work in both debit and credit mode. You must be a “Corporate Officer” in your organization to order this card. Today, you can only order one card per organization. We may offer more flexibility in the future.

You can get up to €15,000 per month, based on your business profile, time with Qonto, account activity, and income history. Your specific limit is shown in your app once you're approved.

On the 1st of each month, we automatically debit your Qonto account for the full amount you spent in credit mode during the previous month. No manual payment needed. After settlement, your credit limit resets, and you're ready for the next cycle. You'll always see your upcoming settlement amount in advance—no surprises.

There's no interest if we successfully collect the full amount you've spent on the 1st of the next month. If we can't collect the full amount on the settlement date, a daily rate is applied to the unpaid balance for each day it remains outstanding. Fees continue to accrue until the entire balance (capital plus any fees) is repaid. We recommend tracking your upcoming settlement amount in the app and ensuring you have sufficient balance before the 1st. The exact rate and conditions are specified in your contract and terms & conditions.