Trusted by over 350,000 companies

4.8 on Apple store 4.7 on Play Store 4.6 on Trustpilot

The metal X Card: the card that gives you extra

Spend up to €200,000 per month.

No fees when you spend in foreign currencies.

A 17-gram, metal Mastercard with unique design.

Premium insurance, for greater peace of mind.

Concierge service and VIP lounge access included.

A premium experience you can touch

Enjoy concierge service

Your X Card includes a concierge service that gives you free assistance with your travel arrangements (information, reservations, quotes etc.).

Live the lounge life

Access to more than 1,100 airport lounges across the world, whichever airline or ticket class you fly with. You’ll get lounge entry for a discounted price of just €28.

Legal assistance

Whether you need guidance on how to raise funds, write a contract or even resolve a dispute - get expert legal advice through our partnership with Caarl.

Which card for your business?


One Card


Plus Card


X Card


Spend up to €200,000 per month with our premium metal X card.


Card payment limits

Cash withdrawal limits

Cash withdrawals included

Foreign exchange commission on non-Euro card payments

Concierge service & Lounge access


Compatible with Apple Pay/Google Pay

Premium protection for all your needs

Protect your business from the unexpected with the increased coverage offered by your metal X Card.

Travel protection

Get compensated up to €800 if your flight is delayed and get compensated up to €1,000 if ever your luggage is lost, damaged or stolen.

Purchase protection

We’ll compensate you for up to €2,500 per year (or up to €1,250 per article) in lost or damaged goods purchased with your X Card.

Fraud protection

We’ll reimburse you up to €3,000 per year in the event your X Card is stolen or lost and used to make fraudulent purchases.

Why they chose Qonto

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 — Co-founder & CEO, Claap

A premium card. And so much more.

Automate your account reconciliation by connecting Qonto to your accounting tool.

Scan all your receipts and proofs of purchase; they’ll have the same legal value as the original paper versions.

Forget manual entry of your expense report data thanks to automatic VAT detection.

Keep control of your spend, in real time. By yourself or as a team.

Ready for the metal X-perience?

Do you want what the metal X Card can give you ? Open your account in 10 minutes. Order your cards in a flash.

Learn more about the metal X debit card

What is a metal debit card?

Can I change my debit card to a metal card?

How do you get a metal debit card?

How much does a metal debit card cost?

One, Plus, X: why choose the metal debit card?

What are the advantages of a metal debit card?