Add-ons

Customize your plan with Add-ons

Get the most from advanced features and enjoy a business account tailored to your business needs.

Monthly
Annual (up to -20%)

Expense & Spend Management

UI Bento Cards Expense Spend Management Addon

Spend smarter with budget control, unlimited virtual cards and customizable roles & workflows.

€89

€69

/month (excl. VAT) 

Select this add-on

Remove

Accounts Payable

UI Bento Cards Accounts Payable Addon

Pay your bills with automated invoice collection and payments from your finance tools.

€69

€59

/month (excl. VAT) 

Select this add-on

Remove

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

Icon Star Ratings
Logo G2
Loved & trusted by SMEs on G2
Essential
€49
/month (excl. VAT)
Business
€99
/month (excl. VAT)
Enterprise
€199
/month (excl. VAT)

Business account and payments

Accounts

Create sub-accounts, each with their own local IBAN, to separate your budgets, taxes, and activities.

with local IBAN

1 account & 4 sub-accounts

1 account & 9 sub-accounts

1 account & 24 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

2 x One Card

One Card
One Card

10 x One Card

One Card
One Card

30 x One Card

One Card
One 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

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

150/month included

Then €0.25 per additional transaction

500/month included

Then €0.25 per additional transaction

1,000/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 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 20+ 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

(minimum €5 excl. VAT)

1.56% /transfer

(minimum €5 excl. VAT)

Check deposits (France only)


Send checks by mail

5 deposits/month incl.

Then €2 per additional deposit

10 deposits/month incl.

Then €2 per additional deposit

15 deposits/month incl.

Then €2 per additional deposit

Purple  Pricing Table Comparators

Compare Qonto’s offer with other solutions

Discover more

Support services

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

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.
Eligibility conditions apply

Accounts Payable

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

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

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 finance features, sold separately

Available to purchase with this plan

Available to purchase with this plan

Available to purchase with this plan

Accounts Receivable

Unlimited quotes & invoices


Draft quotes & invoices, apply discounts with a click, share with customers and monitor incoming payments from any device.

Create, send & track 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 

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 finance features, sold separately

Available to purchase with this plan

Available to purchase with this plan

Available to purchase with this plan

Expense & spend management

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.

Then €5/month for each additional user

2

10

30

Spending categories 

Authorize your team’s card expenses only for specific spending categories (food, transport, equipment, stationery...).

Expense reports


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

Streamline expense reimbursement

Icon Tags Lightning Add-on

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 to purchase with this plan
Available to purchase with this plan

Bookkeeping, reporting & personal expenses

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.
Match receipts and payments via email

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.
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.
Save time hunting down expense receipts

Team collaboration

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

Unlimited team members

Accountant user 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
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.
Find advanced manager permissions in the Add-on

Unlimited users

Unlimited users

Payment cards for all business needs

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

UI Mockup Parallax Dashboard History PlusCard XCard Mobile Asset

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’?