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
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
1 account & 1 sub-account
1 account & 4 sub-accounts
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 or use them in-store with Apple Pay and Google Pay.
Make online & in-store payments
€2/month per card
50/month included
Then €1/month per additional card
50/month included
Then €1/month per additional card
SEPA transfers & outgoing direct debits
Manage incoming & outgoing Euro payments, both ordinary and instant, all in the Qonto app.
Manage payments in Euros
30/month included
Then €0.40 per additional transaction
60/month included
Then €0.40 per additional transaction
100/month included
Then €0.10 per additional transaction
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 to outside the SEPA zone are billed at €5 each.
Pay in USD, GBP, CHF
0.8% /transfer
(min. €5 excl. VAT)
0.8% /transfer
(min. €5 excl. VAT)
0.56% /transfer
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.
1.8% /transfer
(min. €5 excl. VAT)
1.8% /transfer
(min. €5 excl. VAT)
1.56% /transfer
(min. €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: 1.2% /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
€2 per check deposit
2 deposits/month incl.
Then €2 per additional deposit
5 deposits/month incl.
Then €2 per additional deposit
Customer service
Find assistance quickly by chat, phone or email.
(France) 24/7 support
(Outside France) 7-day-a-week support
Priority support
Access to financing partners
Find financing through our partners. Enjoy a fast-tracked application process & funds directly into your Qonto account.
Eligibility conditions apply
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 drag & drop directly into Qonto from over 11,000 sources (email, Google Drive, Dropbox…)
Automated payment processing
Process payments faster with Optical Character Recognition & extract invoice data automatically (beneficiary, IBAN, amount).
Invoice payment tracking
See payment due dates at a glance, make instant or scheduled SEPA transfers, and keep your suppliers informed in one click.
Monitor and manage payments
Supplier management
Categorize your suppliers and automatically add a specific VAT rate.
﹣
Pay later
Get instant funds to finance supplier invoices, then pay it back in 3, 9 or 12 installments with a monthly interest starting from 0.62 %.
Pay invoices in installments (eligibility conditions apply).
Accounts Payable
ERP connectivity, unlimited invoice collection, payment validation workflow, advanced permissions for Manager role, and more.
Available for Micro-business/SME plans only
Available for Micro-business/SME plans only
Available for Micro-business/SME plans only
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.
Invoice foreign-based clients
Automatic invoice tracking
Share your quotes & invoices with clients via email and automate the monitoring of your incoming payments.
Client invoice import & sync
Enjoy faster bookkeeping & clearer cash flow visibility when you sync invoices coming from third-party tools and platforms.
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.
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 features, sold separately
Available to purchase with this plan
Available to purchase with this plan
Available to purchase with this plan
Digitized 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
Digitized & Certified
Digitized & Certified
Receipts forward
Forward your receipts to Qonto by email and we'll match them automatically to the right transactions.
Match receipts and payments via email
Custom labels
Automate your accounting prep by adding labels to your transactions (such as client code, country, team names, projects etc).
Save time preparing your books
Dashboard
Visualize cash flow with indicator charts & real-time inflow/outflow tracking. Customize filters with the advanced dashboard.
Enjoy precise cash flow insights
Advanced dashboard
Advanced dashboard
API integrations
Connect Qonto to tens of thousands of your favorite tools and software to boost productivity.
Connect Qonto to other platforms
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.
﹣
Personal reimbursements
Pay yourself back for out-of-pocket expenses and automatically match receipts to transactions for easy bookkeeping.
Reduce waiting time and paperwork
﹣
Expense & Spend Management
Advanced card settings, unlimited virtual cards, validation workflows, budget management, mileage allowance, and more.
Available for Micro-business/SME plans only
Available for Micro-business/SME plans only
Admin user access
Delegate tasks by sharing admin access to your account with other people.
Share access with third parties
Account owner included
Then €10/month per additional admin access
Account owner included
Then €10/month per additional admin access
Account owner included
Then €10/month per additional admin access
Accountant access
Simplify your accounting process by granting dedicated read-only access to your accountant.
Share read-only access with your accountant
﹣
Unlimited accountant users
Unlimited accountant 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.
*Limited offers: Terms & Conditions may change anytime - see full details for Cash Flow Management, and Accounts Payable.