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Flexible and transparent

1st month free. No commitment.

Solo

€
9
excl. VAT per month
per month
Open an account

1st month free. No commitment.
The most popular

Standard

€
29
excl. VAT per month
per month
Open an account

1st month free. No commitment.

Premium

€
99
excl. VAT per month
per month
Open an account

1st month free. No commitment.

Corporate

On demand
Contact us

20 SEPA transfers and direct debits
100 SEPA transfers and direct debits
500 SEPA transfers and direct debits
1 Mastercard physical card
2 Mastercard physical cards
5 Mastercard physical cards
Optional Mastercard virtual cards Covid-19 : Free until Jan. 31
2 Mastercard virtual cards Covid-19 : Free until Jan. 31
Unlimited Mastercard virtual cards
Optional check cashing
3 checks to cash
10 checks to cash
1 member
Up to 5 members
Unlimited members

Also included in this plan

In addition to the Solo plan

In addition to the Standard plan

FR, IT, ES or DE IBANs Your IBAN is connected to the SEPA network (for all your payments in Europe) and to the SWIFT network (for your transfers abroad). By benefiting from a local IBAN, you can automate the payment of your taxes and contributions to your local public institutions.
+ Dedicated access for your accountant
+ Management of transfers as a team Save time by allowing your teams to pre-enter transfers. All you have to do is validate them.
International transfers (SWIFT) Receive transfers from all over the world and send money in 18 foreign currencies.
+ Automatic VAT detection When adding the receipt or invoice, the Qonto algorithm automatically detects the VAT amount. All you have to do is confirm it and it will appear on your accounting export.
+ Top priority customer support Do you have a question? Our team treats all your requests as a priority!
Unlimited transaction history Consult your history with no time limit. Are you looking for an expense that is many years old? It's possible. To help you find it quickly you have filters and a search bar.
+ Receipt certification and archiving New Receipts digitized on Qonto hold the same value as their paper version, thanks to probative value certification. In a simple scan, you are covered in case of control.
+ Individual account management Your personal account manager will help you open your account and guide you in the development of your business.
Real-time payment notifications Keep an eye on your expenses. Receive a real-time notification on your phone or by email after each payment you make.
+ Expenses categorization Customize your labels for an expense categorization adapted to your company's activity. Any business trip planned? Create a custom label! This will allow you to filter all expenses associated with this trip in one click.
+ Manager's role and team budget Coming soon Save time by delegating some of your responsibilities. The manager can create cards for the teams, validate expenses, and manage a budget.
Automated finance management with Connect New Qonto is compatible with several accounting tools. All the information you need (VAT, amounts, categorization of expenses, receipts, and invoices...) appears automatically in your accounting tool as you manage your finances on Qonto.
+ Roles and permissions Manage your finances as a team and invite your employees to join you on Qonto. Define the roles of each person (admin or employee) and then set up their cards to keep control of your company's expenses.
7 days a week customer support Our teams answer you 7 days a week by email and by phone in France. For companies registered in Spain, Italy or Germany, we answer you by e-mail 7 days a week and by phone 5 days a week.
+ Multi accounts New Create up to 5 multiple accounts with dedicated IBANs to separate certain types of expenses (VAT, charges, payroll...), manage your different activities separately, and allocate budgets to your teams.

Schedule an appointment with an expert
Solo
Standard
Premium
Corporate

Solo

€
9
excl. VAT per month
per month

1st month free. No commitment.

20 SEPA transfers and direct debits

1 Mastercard physical card

Optional Mastercard virtual cards Covid-19 : Free until Jan. 31

Optional check cashing

1 member

Also included in this plan

FR, IT, ES or DE IBANs Your IBAN is connected to the SEPA network (for all your payments in Europe) and to the SWIFT network (for your transfers abroad). By benefiting from a local IBAN, you can automate the payment of your taxes and contributions to your local public institutions.

International transfers (SWIFT) Receive transfers from all over the world and send money in 18 foreign currencies.

Unlimited transaction history Consult your history with no time limit. Are you looking for an expense that is many years old? It's possible. To help you find it quickly you have filters and a search bar.

Real-time payment notifications Keep an eye on your expenses. Receive a real-time notification on your phone or by email after each payment you make.

Automated finance management with Connect New Qonto is compatible with several accounting tools. All the information you need (VAT, amounts, categorization of expenses, receipts, and invoices...) appears automatically in your accounting tool as you manage your finances on Qonto.

7 days a week customer support Our teams answer you 7 days a week by email and by phone in France. For companies registered in Spain, Italy or Germany, we answer you by e-mail 7 days a week and by phone 5 days a week.

Standard

€
29
excl. VAT per month
per month

1st month free. No commitment.

100 SEPA transfers and direct debits

2 Mastercard physical cards

2 Mastercard virtual cards Covid-19 : Free until Jan. 31

3 checks to cash

Up to 5 members

In addition to the Solo plan

+ Dedicated access for your accountant

+ Automatic VAT detection When adding the receipt or invoice, the Qonto algorithm automatically detects the VAT amount. All you have to do is confirm it and it will appear on your accounting export.

+ Receipt certification and archiving New Receipts digitized on Qonto hold the same value as their paper version, thanks to probative value certification. In a simple scan, you are covered in case of control.

+ Expenses categorization Customize your labels for an expense categorization adapted to your company's activity. Any business trip planned? Create a custom label! This will allow you to filter all expenses associated with this trip in one click.

+ Roles and permissions Manage your finances as a team and invite your employees to join you on Qonto. Define the roles of each person (admin or employee) and then set up their cards to keep control of your company's expenses.

+ Multi accounts New Create up to 5 multiple accounts with dedicated IBANs to separate certain types of expenses (VAT, charges, payroll...), manage your different activities separately, and allocate budgets to your teams.

Premium

€
99
excl. VAT per month
per month

1st month free. No commitment.

500 SEPA transfers and direct debits

5 Mastercard physical cards

Unlimited Mastercard virtual cards

10 checks to cash

Unlimited members

In addition to the Standard plan

+ Management of transfers as a team Save time by allowing your teams to pre-enter transfers. All you have to do is validate them.

+ Top priority customer support Do you have a question? Our team treats all your requests as a priority!

+ Individual account management Your personal account manager will help you open your account and guide you in the development of your business.

+ Manager's role and team budget Coming soon Save time by delegating some of your responsibilities. The manager can create cards for the teams, validate expenses, and manage a budget.

Corporate

On demand

Solo Pack

Save €38
€
139
excl. VAT

Capital deposit €69

+

12 month susbscription

Open an account
The most popular

Standard Pack

Save €98
€
319
excl. VAT

Capital deposit €69

+

12 month susbscription

Open an account

20 SEPA transfers and direct debits
100 SEPA transfers and direct debits
1 Mastercard physical card
2 Mastercard physical cards
Optional Mastercard virtual cards Covid-19 : Free until Jan. 31
2 Mastercard virtual cards Covid-19 : Free until Jan. 31
Optional check cashing
3 checks to cash
1 member
Up to 5 members

Also included in this plan

In addition to the Solo plan

FR, IT, ES or DE IBANs Your IBAN is connected to the SEPA network (for all your payments in Europe) and to the SWIFT network (for your transfers abroad). By benefiting from a local IBAN, you can automate the payment of your taxes and contributions to your local public institutions.
+ Dedicated access for your accountant
International transfers (SWIFT) Receive transfers from all over the world and send money in 18 foreign currencies.
+ Automatic VAT detection When adding the receipt or invoice, the Qonto algorithm automatically detects the VAT amount. All you have to do is confirm it and it will appear on your accounting export.
Unlimited transaction history Consult your history with no time limit. Are you looking for an expense that is many years old? It's possible. To help you find it quickly you have filters and a search bar.
+ Expenses categorization Customize your labels for an expense categorization adapted to your company's activity. Any business trip planned? Create a custom label! This will allow you to filter all expenses associated with this trip in one click.
Real-time payment notifications Keep an eye on your expenses. Receive a real-time notification on your phone or by email after each payment you make.
+ Roles and permissions Manage your finances as a team and invite your employees to join you on Qonto. Define the roles of each person (admin or employee) and then set up their cards to keep control of your company's expenses.
Automated finance management with Connect New Qonto is compatible with several accounting tools. All the information you need (VAT, amounts, categorization of expenses, receipts, and invoices...) appears automatically in your accounting tool as you manage your finances on Qonto.
+ Multi accounts New Create up to 5 multiple accounts with dedicated IBANs to separate certain types of expenses (VAT, charges, payroll...), manage your different activities separately, and allocate budgets to your teams.
7 days a week customer support Consult your history with no time limit. Are you looking for an expense that is many years old? It's possible. To help you find it quickly you have filters and a search bar.

No commitment

Pay for the capital deposit now and then pay monthly for the plan which suits you best.

+

Solo

€
9
excl. VAT per month
per month
Open an account

No commitment
The most popular

Standard

€
29
excl. VAT per month
per month
Open an account

No commitment
Solo Pack Solo
Standard Pack Standard

Solo Pack

Save €38
€
139
excl. VAT
Open an account

20 SEPA transfers and direct debits

1 Mastercard physical card

Optional Mastercard virtual cards Covid-19 : Free until Jan. 31

Optional check cashing

1 member

Also included in this plan

FR, IT, ES or DE IBANs Your IBAN is connected to the SEPA network (for all your payments in Europe) and to the SWIFT network (for your transfers abroad). By benefiting from a local IBAN, you can automate the payment of your taxes and contributions to your local public institutions.

International transfers (SWIFT) Receive transfers from all over the world and send money in 18 foreign currencies.

Unlimited transaction history Consult your history with no time limit. Are you looking for an expense that is many years old? It's possible. To help you find it quickly you have filters and a search bar.

Real-time payment notifications Keep an eye on your expenses. Receive a real-time notification on your phone or by email after each payment you make.

Automated finance management with Connect New Qonto is compatible with several accounting tools. All the information you need (VAT, amounts, categorization of expenses, receipts, and invoices...) appears automatically in your accounting tool as you manage your finances on Qonto.

7 days a week customer support Consult your history with no time limit. Are you looking for an expense that is many years old? It's possible. To help you find it quickly you have filters and a search bar.

Standard Pack

Save €98
€
319
excl. VAT
Open an account

100 SEPA transfers and direct debits

2 Mastercard physical cards

2 Mastercard virtual cards Covid-19 : Free until Jan. 31

3 checks to cash

Up to 5 members

In addition to the Solo plan

+ Dedicated access for your accountant

+ Automatic VAT detection When adding the receipt or invoice, the Qonto algorithm automatically detects the VAT amount. All you have to do is confirm it and it will appear on your accounting export.

+ Expenses categorization Customize your labels for an expense categorization adapted to your company's activity. Any business trip planned? Create a custom label! This will allow you to filter all expenses associated with this trip in one click.

+ Roles and permissions Manage your finances as a team and invite your employees to join you on Qonto. Define the roles of each person (admin or employee) and then set up their cards to keep control of your company's expenses.

+ Multi accounts New Create up to 5 multiple accounts with dedicated IBANs to separate certain types of expenses (VAT, charges, payroll...), manage your different activities separately, and allocate budgets to your teams.

No commitment

Pay for the capital deposit now and then pay monthly for the plan which suits you best.

Solo Pack Solo
Standard Pack Standard
Capital deposit
69 € excl. VAT
+

Solo


Open an account

Capital deposit
69 € excl. VAT
+

Standard


Open an account

Compare plans in detail

Cards made for everyone,
no matter what your plan is

Cumulate and set the limits of your cards in real-time.
Our cards suit everyone and make it easy to manage expenses as a team.

Included

One Card

The reliable and modern card

Also available in virtual Qonto Virtual Cards are available instantly and allow you to shop securely online. Just like physical cards, they come with an insurance policy.

Plus Card

Experience more freedom without compromise

X Card

An exceptional metal card with unique advantages.

Compare the cards advantages

More than 120,000 businesses
have chosen Qonto

Commission-free If you do not exceed the number of transactions included in your subscription, there's no transaction fee in addition to the cost of the subscription.

Designed for your accounting Prepare your accounting as you spend in teams. Everything is planned so that your accountant has all the information needed at the end of the month.

Customer service 7 days a week Prepare your accounting as you spend in teams. Everything is planned so that your accountant has all the information needed at the end of the month.

Protected funds and data All your data is secured by strong encryption. Your funds are protected by the Fonds de Garantie des Dépôts et de Résolution (FGDR) up to €100,000.

Frequently asked questions

Is Qonto a bank?

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.

What are the advantages of the Qonto service?

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 120,000 business customers have already joined Qonto to simplify their day-to-day financial management - why not you?

Who can open a Qonto account?

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.

How to open an account ?

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).

Are there any commissions in addition to the cost of the monthly subscription?

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.

How do international payments work?

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.

How can I move from my current account to Qonto?

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.