First, pick a plan…
Add-on limited offer: €29/month each for Cash Flow Management and Accounts Payable*
Limited offer on selected add-ons*
Add-ons
Now, enhance your plan…
Select add-ons for extra automation, scalability, and customization features. Options for when your business needs more.

Try for free
Expense & Spend Management
7 advanced features, including:
- Manager role with upgraded approval permissions
- Custom rules for approval workflows
- Unlimited instant cards

Free for 1 month
Then
€69
/month
(billed annually)

Limited offer
Accounts Payable
5 advanced features, including:
- Custom rules for approval workflows
- Unlimited and automated invoice collection
- Automated payment initiation through ERP integration

Free for 1 month
Then
€29
/month
(billed annually)*

Try for free
Accounts Receivable
5 advanced features, including:
- Automated recurring invoices
- Custom payment reminders
- Unlimited quote e-signatures

Free for 1 month
Then
€35
/month
(billed annually)

Limited offer
Cash Flow Management
4 advanced features, including:
- Cash flow forecast
- Upcoming transaction alerts
- Suggested smart actions

Free for 1 month
Then
€29
/month
(billed annually)*
Empowering 600,000+ businesses
Compare our plans
Accounts
Create sub-accounts, each with their own local IBAN, to separate your budgets, taxes, and activities.
with local IBAN
1 account & 9 sub-accounts
1 account & 24 sub-accounts
As many as you need
Physical payment cards
Customize your business cards in real time: One Card (included in your plan), Plus Card or Metal X Card.



Virtual payment cards
Make online payments with virtual cards and use them in-store with Apple Pay and Google Pay.
Make online & in-store payments
50 /month included
Then €1 /month per additional card
50 /month included
Then €1 /month per additional card
As many as you need
SEPA transfers & outgoing direct debits
Manage incoming & outgoing Euro payments, both ordinary and instant, all in the Qonto app.
Manage payments in Euros
500 /month included
Then €0.25 per additional transaction
1,000 /month included
Then €0.25 per additional transaction
As many as you need
Payment links
Generate payment links for 3x faster payments. Add to invoices or send standalone. Competitive fees start at just 1.4% + €0.25 per transaction.
Get paid easily by sharing a secure link with your clients.
Incoming SWIFT transfers
Receive international payments directly into your Qonto account.
Receive international payments
Free transfers under €500
€5/transfer received above €500
(excl. VAT)
Free transfers under €500
€5/transfer received above €500
(excl. VAT)
Free transfers under €500
€5/transfer received above €500
(excl. VAT)
Outgoing international transfers (standard currencies)
Transfer money globally in USD, GBP or CHF. Powered by Wise. Transfers in EUR outside the SEPA zone are billed at €5 each.
Pay in USD, GBP, CHF
0.56% /transfer
(minimum €5 excl. VAT)
0.56% /transfer
(minimum €5 excl. VAT)
0.56% /transfer
(minimum €5 excl. VAT)
Outgoing international transfers (non-standard currencies)
Make international transfers in 30+ non-standard currencies, directly from your Qonto app. Powered by Wise.
Pay in other available currencies.
1.56% /transfer
(minimum €5 excl. VAT)
1.56% /transfer
1.56% /transfer
(minimum €5 excl. VAT)
In-person payment
Accept client payments with Tap to Pay or our terminals. Get automatic transaction matching, next-day payout, and competitive fees.
Accept client payments with Tap to Pay or our terminals. Get automatic transaction matching, next-day payout, and competitive fees.
EU Cards: 1.2% /transaction
Non-EU & Business Cards:
2.6% /transaction
EU Cards: 0.8 % /transaction
Non-EU & Business Cards:
2.6% /transaction
EU Cards: 0.8 % /transaction
Non-EU & Business Cards:
2.6% /transaction
Check deposits (France only)
Send checks by mail
10 deposits /month incl.
Then €2 per additional deposit
15 deposits /month incl.
Then €2 per additional deposit
As many as you need
Customer service
Find quick answers to your questions by chat, phone or email.
(France) 24/7 support
(Outside France) 7-day-a-week support
Priority support
Priority support
Priority support
Dedicated Customer Success Manager
Your own dedicated personal advisor to set you up for success from Day 1.
Access to financing partners
Find financing through our partners. Enjoy a fast-tracked application process & funds directly into your Qonto account.
Cash flow charts
Get clarity on your cash position with interactive tables and turn insights into strategic decisions.
See a breakdown of your cash flow
Estimated VAT calculation
Stay ahead of tax obligations by tracking your estimated VAT with each processed invoice and transaction.
Track your estimated VAT in real time
Category customization
Skip the manual work with custom rules that remember your preferences and automatically categorize your transactions.
Monitor spending patterns with transaction labels
Automated invoice import & collection
Manually import supplier invoices or automatically connect to over 11,000 sources (email, Google, Drive, Dropbox...).
Optimize the transfer of supplier invoices
Automated payment processing
Process payments faster thanks to Optical Character Recognition (OCR) and the automatic extraction of invoices data (beneficiary, IBAN, amount etc.)
Pay faster with OCR
Invoice payment tracking
See payment due dates at a glance, make instant or scheduled SEPA transfers, and save supplier data in one place.
Monitor and manage payments
Pay later
Get instant funds to finance supplier invoices, then pay it back in 3, 9 or 12 installments with interests starting from 0.62% per month.
Pay invoices in installments
Accounts Payable
ERP connectivity, unlimited invoice collection, payment validation workflow, advanced permissions for Manager role, and more.
A full package of advanced finance features, sold separately
Available to purchase with this plan
Available to purchase with this plan
Available with this plan
Unlimited quotes & invoices
Draft customized quotes & invoices, manage balance and deposit invoices, apply discounts and share them with your clients from your favorite device.
Create, customize & send them easily
Catalog of products & services
Create a catalog of your products and services, then click to add items into quotes and invoices.
Multi-currencies
Invoice clients in Europe and beyond in 29 different currencies.
Client invoice import & sync
Enjoy faster bookkeeping & clearer cash flow visibility when you sync invoices coming from third-party tools and platforms.
Centralize your incoming payment data
Compliance & archiving
Simplify your admin with automatic invoice numbering & invoice-payment pairing, and use credit notes for cancelled orders.
Electronic Invoicing
Make the switch to electronic invoicing without disrupting your operations, and improve business efficiency through digitization.
Switch seamlessly to e-invoicing
Accounts Receivable
Automate your workflows, sync all your data with your existing tools, and fully customize your documents' appearance to match your business needs.
A full package of advanced finance features, sold separately
Available to purchase with this plan
Available with this plan
Customized card limits
Find additional, advanced card settings in the Add-on.
Set daily or amount limits for team spend
Card & transfer request approval
Approve all your team’s card and transfer requests in one click.
Approve requests quickly
Team access (number of users included)
Delegate tasks by granting access to your team. Users beyond those included in the plan will be billed at €5 per month per user.
Unlimited team members
Unlimited team members
Unlimited team members
Expense reports
Keep all your expense requests in one platform, track and approve in a click for faster reimbursements.
Streamline expense reimbursement
Expense & spend management
Multi-layer workflow approval, custom permissions for Manager role, advanced card settings, budget management, and more.
A full package of advanced finance features, sold separately
Available to purchase with this plan
Available with this plan
Personal reimbursement
Pay yourself back for out-of-pocket expenses and automatically match receipts to transactions for easy bookkeeping.
Reduce waiting time and paperwork
Digitized & certified receipts
Upload photos of receipts; we’ll pair them automatically with the right transactions so they’re digitized & legally certified.
Upload receipts and stay legally compliant
Receipts forward
Forward your receipts to Qonto by email and we'll match them automatically to the right transactions.
Custom labels
Automate your accounting by adding labels to your transactions (such as client code, country, team names, projects etc.).
Save time preparing your books
Dashboard
Precise cash flow insights thanks to indicator charts and real-time inflow/outflow tracking. Access customizable filters with the advanced dashboard.
Enjoy precise cash flow insights
Advanced dashboard
Advanced dashboard
Advanced dashboard
API integrations
Connect Qonto to tens of thousands of your favorite tools and software to boost productivity.
External account syncing
Safely sync your other bank accounts & payment services to pilot all your aggregated finances without leaving Qonto.
Connect all your 3rd party bank accounts
Missing receipt reminders
Send manual and/or bulk reminders to team members who need to provide receipts.
Employee user access
Delegate tasks by giving your team members account access.
Share access with your team
Unlimited team members
Unlimited team members
Unlimited team members
Admin user access
Enable team members by giving them account admin access.
Empower team members
Unlimited team members
Unlimited team members
Accountant user access
Simplify your accounting process by granting dedicated read-only access to your accountant.
Unlimited accountant users
Manager role with creation permissions
Allow managers to invite team members to Qonto, make new transfers, order payment cards, or approve expense reimbursements.
Unlimited users
Unlimited users
Payment cards for all business needs

Don’t know which price plan to choose?
Answer a few simple questions, and we’ll suggest the plan we think would suit your business best.

Our customers say it best
Our customers say it best


Open an account in 10 minutes
We want to protect what’s precious to you as an entrepreneur: your time, energy, and focus. Let Qonto get your finance admin done faster, right from the very first click.
30-day free trial.
*Limited offers: Terms & Conditions may change anytime - see full details for Cash Flow Management, and Accounts Payable.