Easily switch your business account
To switch your business account stress-free, benefit from the first-ever bank mobility service for professionals. Enjoy a dedicated support in all your steps for a simple and fast transition.
1st month free. No commitment.
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20 SEPA transfers and direct debits
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100 SEPA transfers and direct debits
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500 SEPA transfers and direct debits
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1 Mastercard physical card
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2 Mastercard physical cards
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5 Mastercard physical cards
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Optional Mastercard virtual cards
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2 Mastercard virtual cards
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Unlimited Mastercard virtual cards
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Optional check cashing
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3 checks to cash
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10 checks to cash
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1 member
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Up to 5 members
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Unlimited members
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Also included in this plan |
In addition to the Solo plan |
In addition to the Standard plan |
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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.
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+ Dedicated access for your accountant
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+ Management of transfers as a team
Save time by allowing your teams to pre-enter transfers. All you have to do is validate them.
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International transfers (SWIFT)
Receive transfers from all over the world and send money in 18 foreign currencies.
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+ Receipt forwarding email address
Forward us your receipts and invoices received by email, we automatically match them to the right transactions.
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+ Top priority customer support
Do you have a question? Our team treats all your requests as a priority!
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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.
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+ 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.
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+ Individual account management
Your personal account manager will help you open your account and guide you in the development of your business.
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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.
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+ Receipt certification and archiving
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.
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+ Manager's role and team budget
Save time by delegating some of your responsibilities. The manager can create cards for the teams, validate expenses, and manage a budget.
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Automated finance management with Connect
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.
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+ 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.
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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.
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+ 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.
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+ Multi accounts
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.
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Schedule an appointment with an expert |
20 SEPA transfers and direct debits
1 Mastercard physical card
Optional Mastercard virtual cards
Optional check cashing
1 member
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
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.
100 SEPA transfers and direct debits
2 Mastercard physical cards
2 Mastercard virtual cards
3 checks to cash
Up to 5 members
+ Dedicated access for your accountant
+ Receipt forwarding email address
Forward us your receipts and invoices received by email, we automatically match them to the right transactions.
+ 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
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
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.
500 SEPA transfers and direct debits
5 Mastercard physical cards
Unlimited Mastercard virtual cards
10 checks to cash
Unlimited members
+ 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
Save time by delegating some of your responsibilities. The manager can create cards for the teams, validate expenses, and manage a budget.
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Popular
Standard Pack
Save €98
€
319
excl. VAT
Capital deposit €69 12 month subscription |
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20 SEPA transfers and direct debits
|
100 SEPA transfers and direct debits
|
|
1 Mastercard physical card
|
2 Mastercard physical cards
|
|
Optional Mastercard virtual cards
|
2 Mastercard virtual cards
|
|
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.
|
Receipt forwarding email address
Forward us your receipts and invoices received by email, we automatically match them to the right transactions.
|
|
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.
|
+ 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.
|
|
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.
|
|
Automated finance management with Connect
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
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.
|
+ Multi accounts
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.
|
Pay for the capital deposit now and then pay monthly for the plan which suits you best.
20 SEPA transfers and direct debits
1 Mastercard physical card
Optional Mastercard virtual cards
Optional check cashing
1 member
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
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.
100 SEPA transfers and direct debits
2 Mastercard physical cards
2 Mastercard virtual cards
3 checks to cash
Up to 5 members
+ Dedicated access for your accountant
Receipt forwarding email address
Forward us your receipts and invoices received by email, we automatically match them to the right transactions.
+ 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
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.
Pay for the capital deposit now and then pay monthly for the plan which suits you best.
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.
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.
Experience more freedom without compromise
An exceptional metal card with unique advantages.
To switch your business account stress-free, benefit from the first-ever bank mobility service for professionals. Enjoy a dedicated support in all your steps for a simple and fast transition.
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.
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 150,000 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.
French
Spanish
German
Italian
