Add-ons

Want to get paid faster? Try our free Add-on.

Discover our advanced Accounts Receivable features at no extra cost until March 31, 2025.

Available in the app

Accounts Receivable

€35

Free

until March 31, 2025

Get paid faster with automated customer invoicing and payment reminders. Select this add-on directly in the app.

Empowering 500,000+ businesses

4.8

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Loved & trusted by SMEs on G2
Basic
€9
/month (excl. VAT)
Smart
€19
/month (excl. VAT)
Premium
€39
/month (excl. VAT)

Business account & payments

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.

Pay with Mastercards accepted worldwide

onecard
pluscard
xcard

1 x One Card

One Card
One Card

1 x One Card

One Card
One Card

1 x One Card

One Card
One 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 & 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

Incoming SWIFT transfers

Receive international payments directly into your Qonto account.

Receive international payments

€5/transfer received

(excl. VAT)

€5/transfer received

(excl. VAT)

€5/transfer received

(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

(min. €5 excl. VAT)

Outgoing international transfers (non-standard currencies)


Make international transfers in 20+ 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)

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

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Support services

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

Accounts Payable

Automated invoice import & collection


Manually import supplier invoices or drag & drop directly into Qonto from over 11,000 sources (email, Google Drive, Dropbox…)
Optimize the transfer of supplier invoices

Automated payment processing


Process payments faster with Optical Character Recognition & extract invoice data automatically (beneficiary, IBAN, amount).
Pay faster with OCR

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.
Save and categorize your suppliers

New

Pay later

Get instant funds to finance supplier invoices, then pay it back in 3, 6 or 9 installments at 1.16% effective monthly interest.

Pay invoices in installments (eligibility conditions apply).

Icon Tags Lightning Add-on

Accounts Payable


ERP connectivity, unlimited invoice collection, payment validation workflow, advanced permissions for Manager role, and more.
A full package of advanced features, sold separately

Available for Micro-business/SME plans only

Available for Micro-business/SME plans only

Available for Micro-business/SME plans only

Accounts Receivable

Unlimited quotes & invoices


Draft customer quotes & invoices, apply discounts with a click and share with customers from your preferred device.
Create customer bills & quotes easily

Catalog of products & services


Create a catalog of your products and services, then click to add items into quotes and invoices.
Slash the time you spend drafting 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.
Monitor your clients’ payments

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.
Automate your finance admin
Soon

Electronic invoicing


Make the switch to electronic invoicing without disrupting your operations, and improve business efficiency through digitization.
Switch seamlessly to e-invoicing
Icon Tags Lightning Add-on

Accounts Receivable


Automate payment reminders, create recurring invoices to collect subscriptions & sync all your data with your existing tools.

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

Bookkeeping, Reporting & Expense Management

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

Expense reports

Keep all your expense requests in one platform, track and approve in a click for faster reimbursements.

Streamline expense reimbursement


Missing receipt reminders


Send manual and/or bulk reminders to team members who need to provide receipts.
Save time hunting down expense 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

Icon Tags Lightning Add-on

Expense & Spend Management


Advanced card settings, unlimited virtual cards, validation workflows, budget management, mileage allowance, and more.
A full package of advanced features, sold separately

Available for Micro-business/SME plans only

Available for Micro-business/SME plans only

Available for Micro-business/SME plans only

Team collaboration

Admin user access


Delegate tasks by giving your team members account access.

Share access with your team

1 admin included

€10/month per additional team member

1 admin included

€10/month per additional team member

1 admin included

€10/month per additional team member

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

An app you'll love using. Come take a tour.

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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.

Frequently Asked Questions

Is Qonto a bank?

What are the advantages of the Qonto service?

Who can open a Qonto account?

Are there any fees or commissions in addition to the monthly subscription?

How do international payments work?

What are considered 'special operations'?

How does billing work at Qonto?

What are ‘Add-ons’?