For freelancers and independent workers
For co-founders, small and large companies
The pack option offers major savings in your first year
Benefit from unlimited transaction history and account statements allowing you to keep track of your business expenses no matter the time period
Stay up to date with your expenses by receiving real-time notifications on your phone or by email after each transaction
Benefit from truly localizing your business with a French, Italian, German, or Spanish IBAN.
Your funds are safeguarded by the French Fonds de Garantie des Dépôts et de Résolution
No hidden fees, no transfer commissions, no obligations
A complete solution for controlling your expenses and automating your bookkeeping
Get help and answers to your questions from our Customer Service team, 7 days a week.
Compare plans |
Basic€9
(excl. VAT)
/ month
|
Smart€19
(excl. VAT)
/ month
|
Premium€39
(excl. VAT)
/ month
|
|---|---|---|---|
| Download in PDF format | |||
Essentials |
|||
Physical cardsPersonalize settings of your One (included), Plus or X Mastercard depending on your needs |
|
|
|
Virtual cardsMake online payments with your virtual cards and in-store thanks to Apple Pay and Google Pay |
€2 /month |
||
AccountsCreate several accounts to separate your activities |
1 |
2 |
5 |
SEPA-transfers and direct debitsEasily manage transfers and direct debits |
30 |
60 |
100 |
Checks cashingEasily cash checks for free (France only) |
0 |
2 |
5 |
Incoming SWIFT transfersReceive international payments directly within your Qonto account |
€5 |
Included |
Included |
International SWIFT transfersMake international payments directly within your Qonto app |
1% |
1% |
1% |
Simplified accounting |
|||
Digital receiptsUpload and save your receipts to match them to your transactions |
|||
Receipts forwardForward your receipts to a dedicated email address and they will automatically be matched to your transactions |
|||
Certified receiptsThrow away your receipts while staying compliant as we certify them digitally |
|||
Custom labelsAutomate your accounting by adding labels to your transactions such as client code, country, team names |
|||
Suppliers managementCategorize your suppliers and automatically add a specific VAT rate |
|||
Accountant accessSimplify your accounting by granting a dedicated access to your accountant |
|||
Time savers |
|||
ConnectAutomate your financial management by connecting your everyday apps and accounting softwares |
|||
AnalyticsGain transparency with a clear view of your spending over time by suppliers, teams, tags and more |
|||
Bulk transfersCombine volume transfers such as salaries or invoices to make up to 400 payments in one go |
|||
Automate repetitive tasks SoonAutomate admin tasks such as labelling, approvals, alerts and more |
|||
Customer support |
|||
7/7 support by chat, phone or emailReceive answers to your questions quickly and through your preferred channel |
Standard |
Standard |
Priority |
Personalize settings of your One (included), Plus or X Mastercard depending on your needs
Make online payments with your virtual cards and in-store thanks to Apple Pay and Google Pay
€2 /month
Create several accounts to separate your activities
1
2
5
Easily manage transfers and direct debits
Any extra in/outbound transaction will be charged €0.40
30
60
100
Easily cash checks for free (France only)
Any extra check will be charged €2
0
2
5
Receive international payments directly within your Qonto account
€5
Included
Included
Make international payments directly within your Qonto app
1%
1%
1%
Upload and save your receipts to match them to your transactions
Forward your receipts to a dedicated email address and they will automatically be matched to your transactions
Throw away your receipts while staying compliant as we certify them digitally
Automate your accounting by adding labels to your transactions such as client code, country, team names
Categorize your suppliers and automatically add a specific VAT rate
Simplify your accounting by granting a dedicated access to your accountant
Automate your financial management by connecting your everyday apps and accounting softwares
Gain transparency with a clear view of your spending over time by suppliers, teams, tags and more
Combine volume transfers such as salaries or invoices to make up to 400 payments in one go
Automate admin tasks such as labelling, approvals, alerts and more
Receive answers to your questions quickly and through your preferred channel
Standard
Standard
Priority
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.
In France, Qonto also allows registered associations to create a pro account.
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.
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.
SEPA Creditor Identifier creation
The SEPA Creditor Identifier (ICS) enables you to debit your customers' accounts via SEPA Direct Debit. If you need it, please note that Qonto won't charge you any additional fees
Confirmation letter
It is a regulatory document that companies may need annually in the event of an auditor's intervention. Please note that Qonto will not charge you any additional fees for requesting a confirmation letter
Management of irregularities
10% of the amount requested by the seizing authority, up to a maximum of €75 excl. VAT
An irregularity occurs when the tax administration or a creditor through a legal authority demands reimbursement of the unpaid debt. As a payment institution, we are required to take the steps to reimburse your debt: this is what we call a seizure of bank accounts
Capital increase
€150 excl. VAT
Capital increase enables the creation of new shares, which can then be purchased by one of the current shareholders or by a new shareholder.
Benefit from unlimited transaction history and account statements allowing you to keep track of your business expenses no matter the time period
Stay up to date with your expenses by receiving real-time notifications on your phone or by email after each transaction
Benefit from truly localizing your business with a French, Italian, German, or Spanish IBAN.
Your funds are safeguarded by the French Fonds de Garantie des Dépôts et de Résolution
No hidden fees, no transfer commissions, no obligations
A complete solution for controlling your expenses and automating your bookkeeping
Get help and answers to your questions from our Customer Service team, 7 days a week.
Compare plans |
Standard€29
(excl. VAT)
/ month
|
Advanced€99
(excl. VAT)
/ month
|
CorporateOn demand |
|---|---|---|---|
| Download in PDF format | |||
Essentials |
|||
Physical cardsPersonalize settings of your One (included), Plus or X Mastercard depending on your needs |
|
|
|
Virtual cardsMake online payments with your virtual cards and in-store thanks to Apple Pay and Google Pay |
2 included €2 /month per extra |
||
AccountsCreate several accounts to separate your activities |
5 |
5 |
|
SEPA-transfers and direct debitsEasily manage transfers and direct debits |
100 |
500 |
|
Checks cashingEasily cash checks for free (France only) |
3 |
10 |
|
Incoming SWIFT transfersReceive international payments directly within your Qonto account |
Included |
Included |
|
International SWIFT transfersMake international payments directly within your Qonto app |
1% |
1% |
|
Simplified accounting |
|||
Digital receiptsUpload and save your receipts to match them to your transactions |
|||
Receipts forwardForward your receipts to a dedicated email address and they will automatically be matched to your transactions |
|||
Certified receiptsThrow away your receipts while staying compliant as we certify them digitally |
|||
Custom labelsAutomate your accounting by adding labels to your transactions such as client code, country, team names |
|||
Suppliers managementCategorize your suppliers and automatically add a specific VAT rate |
|||
Accountant accessSimplify your accounting by granting a dedicated access to your accountant |
|||
Time savers |
|||
ConnectAutomate your financial management by connecting your everyday apps and accounting softwares |
|||
AnalyticsGain transparency with a clear view of your spending over time by suppliers, teams, tags and more |
|||
Bulk transfersCombine volume transfers such as salaries or invoices to make up to 400 payments in one go |
|||
Automate repetitive tasks SoonAutomate admin tasks such as labelling, approvals, alerts and more |
|||
Customer support |
|||
7/7 support by chat, phone or emailReceive answers to your questions quickly and through your preferred channel |
Standard |
Priority |
Priority |
Personalized supportBenefit from key account manager helping onboarding and continued service |
|||
Spend management |
|||
Team accessDelegate tasks by granting access to your team |
5 |
Unlimited |
|
Requests NewStay in control by setting clear guidelines for transfers requiring approvals |
|||
Disposable cards SoonEasily manage occasional expenses with disposable payment cards |
|||
Custom roles SoonDecentralize spend management by granting custom permissions to your team members |
Personalize settings of your One (included), Plus or X Mastercard depending on your needs
Make online payments with your virtual cards and in-store thanks to Apple Pay and Google Pay
2 included
€2 /month per extra
Create several accounts to separate your activities
5
5
Easily manage transfers and direct debits
Any extra in/outbound transaction will be charged €0.40
100
500
Easily cash checks for free (France only)
Any extra check will be charged €2
3
10
Receive international payments directly within your Qonto account
Included
Included
Make international payments directly within your Qonto app
1%
1%
Upload and save your receipts to match them to your transactions
Forward your receipts to a dedicated email address and they will automatically be matched to your transactions
Throw away your receipts while staying compliant as we certify them digitally
Automate your accounting by adding labels to your transactions such as client code, country, team names
Categorize your suppliers and automatically add a specific VAT rate
Simplify your accounting by granting a dedicated access to your accountant
Automate your financial management by connecting your everyday apps and accounting softwares
Gain transparency with a clear view of your spending over time by suppliers, teams, tags and more
Combine volume transfers such as salaries or invoices to make up to 400 payments in one go
Automate admin tasks such as labelling, approvals, alerts and more
Receive answers to your questions quickly and through your preferred channel
Standard
Priority
Priority
Benefit from key account manager helping onboarding and continued service
Delegate tasks by granting access to your team
5
Unlimited
Stay in control by setting clear guidelines for transfers requiring approvals
Easily manage occasional expenses with disposable payment cards
Decentralize spend management by granting custom permissions to your team members
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.
In France, Qonto also allows registered associations to create a pro account.
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.
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.
SEPA Creditor Identifier creation
The SEPA Creditor Identifier (ICS) enables you to debit your customers' accounts via SEPA Direct Debit. If you need it, please note that Qonto won't charge you any additional fees
Confirmation letter
It is a regulatory document that companies may need annually in the event of an auditor's intervention. Please note that Qonto will not charge you any additional fees for requesting a confirmation letter
Management of irregularities
10% of the amount requested by the seizing authority, up to a maximum of €75 excl. VAT
An irregularity occurs when the tax administration or a creditor through a legal authority demands reimbursement of the unpaid debt. As a payment institution, we are required to take the steps to reimburse your debt: this is what we call a seizure of bank accounts
Capital increase
€150 excl. VAT
Capital increase enables the creation of new shares, which can then be purchased by one of the current shareholders or by a new shareholder.
Benefit from unlimited transaction history and account statements allowing you to keep track of your business expenses no matter the time period
Stay up to date with your expenses by receiving real-time notifications on your phone or by email after each transaction
Benefit from truly localizing your business with a French, Italian, German, or Spanish IBAN.
Your funds are safeguarded by the French Fonds de Garantie des Dépôts et de Résolution
No hidden fees, no transfer commissions, no obligations
A complete solution for controlling your expenses and automating your bookkeeping
Get help and answers to your questions from our Customer Service team, 7 days a week.
Compare plans |
Basic€9
(excl. VAT)
/ month
|
Smart€19
(excl. VAT)
/ month
|
Standard€29
(excl. VAT)
/ month
|
|---|---|---|---|
| Download in PDF format | |||
Essentials |
|||
Physical cardsPersonalize settings of your One (included), Plus or X Mastercard depending on your needs |
|
|
|
Virtual cardsMake online payments with your virtual cards and in-store thanks to Apple Pay and Google Pay |
€2 /month |
2 included €2 /month per extra |
|
AccountsCreate several accounts to separate your activities |
1 |
2 |
5 |
SEPA-transfers and direct debitsEasily manage transfers and direct debits |
30 |
60 |
100 |
Checks cashingEasily cash checks for free (France only) |
0 |
2 |
3 |
Incoming SWIFT transfersReceive international payments directly within your Qonto account |
€5 |
Included |
Included |
International SWIFT transfersMake international payments directly within your Qonto app |
1% |
1% |
1% |
Simplified accounting |
|||
Digital receiptsUpload and save your receipts to match them to your transactions |
|||
Receipts forwardForward your receipts to a dedicated email address and they will automatically be matched to your transactions |
|||
Certified receiptsThrow away your receipts while staying compliant as we certify them digitally |
|||
Custom labelsAutomate your accounting by adding labels to your transactions such as client code, country, team names |
|||
Suppliers managementCategorize your suppliers and automatically add a specific VAT rate |
|||
Accountant accessSimplify your accounting by granting a dedicated access to your accountant |
|||
Time savers |
|||
ConnectAutomate your financial management by connecting your everyday apps and accounting softwares |
|||
AnalyticsGain transparency with a clear view of your spending over time by suppliers, teams, tags and more |
|||
Bulk transfersCombine volume transfers such as salaries or invoices to make up to 400 payments in one go |
|||
Automate repetitive tasks SoonAutomate admin tasks such as labelling, approvals, alerts and more |
|||
Customer support |
|||
7/7 support by chat, phone or emailReceive answers to your questions quickly and through your preferred channel |
Standard |
Standard |
Standard |
Spend management |
|||
Team accessDelegate tasks by granting access to your team |
5 |
Personalize settings of your One (included), Plus or X Mastercard depending on your needs
Make online payments with your virtual cards and in-store thanks to Apple Pay and Google Pay
€2 /month
2 included
€2 /month per extra
Create several accounts to separate your activities
1
2
5
Easily manage transfers and direct debits
Any extra in/outbound transaction will be charged €0.40
30
60
100
Easily cash checks for free (France only)
Any extra check will be charged €2
0
2
3
Receive international payments directly within your Qonto account
€5
Included
Included
Make international payments directly within your Qonto app
1%
1%
1%
Upload and save your receipts to match them to your transactions
Forward your receipts to a dedicated email address and they will automatically be matched to your transactions
Throw away your receipts while staying compliant as we certify them digitally
Automate your accounting by adding labels to your transactions such as client code, country, team names
Categorize your suppliers and automatically add a specific VAT rate
Simplify your accounting by granting a dedicated access to your accountant
Automate your financial management by connecting your everyday apps and accounting softwares
Gain transparency with a clear view of your spending over time by suppliers, teams, tags and more
Combine volume transfers such as salaries or invoices to make up to 400 payments in one go
Automate admin tasks such as labelling, approvals, alerts and more
Receive answers to your questions quickly and through your preferred channel
Standard
Standard
Standard
Delegate tasks by granting access to your team
5
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.
SEPA Creditor Identifier creation
The SEPA Creditor Identifier (ICS) enables you to debit your customers' accounts via SEPA Direct Debit. If you need it, please note that Qonto won't charge you any additional fees
Confirmation letter
It is a regulatory document that companies may need annually in the event of an auditor's intervention. Please note that Qonto will not charge you any additional fees for requesting a confirmation letter
Management of irregularities
10% of the amount requested by the seizing authority, up to a maximum of €75 excl. VAT
An irregularity occurs when the tax administration or a creditor through a legal authority demands reimbursement of the unpaid debt. As a payment institution, we are required to take the steps to reimburse your debt: this is what we call a seizure of bank accounts
Capital increase
€150 excl. VAT
Capital increase enables the creation of new shares, which can then be purchased by one of the current shareholders or by a new shareholder.
