Flexible and transparent

Qonto is not a bank but a payment institution supervised by the Banque de France (under the number CIB 16958). We enable companies (existing or in the process of being registered) to benefit from a current account and all the means of payment necessary for the smooth running of their business (physical and virtual cards, direct debits, international transfers, cheque deposits).

As a regulated payment institution, all our customers' funds are secured with our partner Crédit Mutuel Arkéa and covered by the 'Fonds de Garantie des Dépôts et de Résolution' (FGDR) up to €100,000. Unlike a traditional bank account, Qonto does not allow cash deposits, does not invest its clients' money, and does not offer loans or overdraft authorization.

Whether your company is already registered or is in the process of being created, we have offers adapted to all to guide you through the different stages of your company's life.

Whether you are alone or in a team, Qonto provides you with all the payment methods you need to manage your business in real-time. Qonto is the only neo-bank to offer metal cards for professionals and to allow the reception of SWIFT transfers (from abroad).

Much more than a current account, Qonto makes your daily life easier with a range of features that make it easier to keep an eye on everyone's expenses and prepare your daily accounting.

Since 2019, we have been using our own banking platform (also known as the Core Banking System), which allows us to carry out our clients' transactions ourselves. This independence allows us to offer a smoother experience to our clients and to directly create the products and services that make their day-to-day life easier.

Our mission is focused on the needs of professionals and their expectations. This is why our customer service is ultra responsive and attentive to answer your questions as quickly as possible.

Qonto pricing and offers are transparent. All monthly subscriptions are without commitments. You can switch from one plan to another at any time if your business needs some change.

More than 100,000 business customers have already joined Qonto to simplify their day-to-day financial management - why not you?

Qonto is designed for all professionals and companies who wish to optimize their daily financial and accounting management. The opening of a Qonto professional current account is currently accessible to companies registered in France (SA, SAS, SASU, SARL, SC & SCI, EURL, liberal professions, micro-enterprises). Italian, Spanish or German companies also have the possibility to manage their finances on Qonto.

Qonto also makes it easier to set up a business by giving future entrepreneurs the opportunity to open an account and deposit the initial share capital (excluding SCIs and companies domiciled in French overseas departments and territories) required to register and obtain their Kbis and SIREN number.

Whether it is an existing company or a company in the process of being created, the account opening process on Qonto is 100% online and will take you less than 15 minutes on average. All you need to do is bring the identity documents of the directors and shareholders. Once your account has been validated, you can order your card(s) and manage your company's finances in just a few clicks.

The account validation is done in less than 24 working hours for an existing company. Companies in the process of being created will receive the certificate of funds deposit by email within 72 hours once we receive the funds (the original version is sent by regular mail).

There is no movement commission in addition to the cost of the subscription.

In other words, if you do not exceed the transaction volume and services included in your subscription, you will only be charged for the monthly rate of your subscription.

If you order additional cards or make additional transactions (over those included in your subscription) additional fees will be charged. Find all the details on the fees for additional cards and services.

Transfers
Your Qonto account allows you to receive transfers from all over the world and send money in more than 18 foreign currencies via the SWIFT network. Do you receive a lot of money transfers from abroad? We recommend a Standard or Premium plan so the fees for receiving SWIFT transfers are included in your monthly subscription.

Payments by card
All of our Qonto cards accompany and insure you during your travels. If you are a frequent traveler, we advise you to order one of our Plus or X cards.

With the Plus card you benefit from a 1% exchange rate commission only on card payments outside the euro zone.

With the X card all your payments abroad are at the real exchange rate (without any exchange commission) and your withdrawals are free of charge.

These two cards come with premium insurances to protect you or your teams during your travels.

You can use your Qonto account as your main current account or as a secondary account.

If you want to switch to Qonto permanently and close your former account, you will need to :

- Open a Qonto account and order a new card.

- Share your new bank details with your customers and partners

- Set up your SEPA direct debits on Qonto

- Close your old current account by contacting your current bank.