Flexible pricing for your business

For teams
Are you an SME? Discover all offers tailored to you and your business needs
Self-employed
SMEs and Startups
Business creators

For freelancers and independent contractors

For co-founders, small and medium companies, and associations

The pack options offer major savings in your first year

For teams

Are you an SME? Discover all offers tailored to you and your business needs

Basic
The essentials for managing your activity as a self-employed worker
€9 /month (excl. VAT)
30-day free trial - No commitment.
  • 1 user only (1 Business Mastercard)
  • 30 SEPA transfers and direct debits
  • 7-day-a-week support
Popular
Smart
A complete account for managing your banking and accounting
€19 /month (excl. VAT)
30-day free trial - No commitment.
  • 1 user only (1 Business Mastercard) and accountant access
  • 60 SEPA transfers and direct debits and 2 cashed checks
  • Advanced features (multi-accounts, bulk transfers...)
  • Accounting Pack (digital receipts, VAT auto-detection, labels...)
  • 7-day-a-week support
Premium
The plan that includes all our features plus priority support
€39 /month (excl. VAT)
30-day free trial - No commitment.
  • 1 user only (1 Business Mastercard) and accountant access
  • 100 SEPA transfers and direct debits and 5 cashed checks
  • Advanced features (multi-accounts, bulk transfers...)
  • Accounting Pack (digital receipts, VAT auto-detection, labels...)
  • 7-day-a-week priority support
Basic
Smart
Premium

Included in all plans

Unlimited account statements

Enjoy an unlimited transaction history and account statements that allow you to keep track of your business expenses, no matter the time period

Real-time notifications

Stay up to date with your expenses by receiving real-time notifications on your phone or by email after each transaction

Country-specific IBAN

Benefit from truly localizing your business with a French, Italian, German or Spanish IBAN.

Trusted by 200,000 businesses

Secure

Your funds are safeguarded by the French Fonds de Garantie des Dépôts et de Résolution

Fair

No hidden fees, no transfer commissions, no obligations

All-in-one

A complete solution for controlling your expenses and automating your bookkeeping

Responsive

Get help and answers to your questions from our Customer Service team, 7 days a week.

Basic

€9

(excl. VAT) /month

Smart

€19

(excl. VAT) /month

Premium

€39

(excl. VAT) /month

Compare plans

Basic

€9

(excl. VAT) /month

Smart

€19

(excl. VAT) /month

Premium

€39

(excl. VAT) /month
Download in PDF format

The essentials

Physical cards

Personalize settings of your One card (included), Plus or X card depending on your needs

Virtual cards

Make online payments with your virtual cards or pay in-store thanks to Apple Pay and Google Pay

€2/month

Accounts

Create several accounts to separate your activities

1

2

5

SEPA transfers and direct debits

Easily manage transfers and direct debits
Any extra in/outbound transaction will be charged €0.40

30

60

100

Cash checks

Easily cash checks for free (France only)
Additional checks will be charged at €2

0

2

5

Incoming SWIFT transfers

Receive international payments directly into your Qonto account

€5

International SWIFT transfers

Make international payments directly from your Qonto app

1%

1%

1%

Simplified accounting

Digital receipts

Upload and save your receipts to match them to your transactions

Receipts forward

Forward your receipts to a dedicated email address and they will automatically be matched to your transactions

Certified receipts

We digitally certify your receipts so you can throw them away whilst remaining compliant

Custom labels

Automate your accounting by adding labels to your transactions such as client code, country, team names etc.

Supplier management

Categorize your suppliers and add specific VAT rates automatically

Accountant access

Simplify your accounting by granting a dedicated access to your accountant

Time savers

Connect

Automate your finance management by connecting your everyday apps and accounting software

Analytics

Gain transparency with a clear view of your spending over time, sorted by suppliers, teams, tags and other filters

Bulk transfers

Combine volume transfers such as salaries or invoices to make up to 400 payments in one go

Automate repetitive tasks Soon

Automate admin tasks such as labelling, approvals, alerts and more

Customer support

7-day-a-week support by chat, phone or email

Get your questions answered quickly and via whichever channel you prefer

Standard

Standard

Priority

€9

(excl. VAT) /month

€19

(excl. VAT) /month

€39

(excl. VAT) /month

€9

(excl. VAT) /month

€19

(excl. VAT) /month

€39

(excl. VAT) /month
The essentials

Physical cards

Personalize settings of your One card (included), Plus or X card depending on your needs

Virtual cards

Make online payments with your virtual cards or pay in-store thanks to Apple Pay and Google Pay

€2/month

Accounts

Create several accounts to separate your activities

1

2

5

SEPA transfers and direct debits

Easily manage transfers and direct debits
Any extra in/outbound transaction will be charged €0.40

30

60

100

Cash checks

Easily cash checks for free (France only)
Additional checks will be charged at €2

0

2

5

Incoming SWIFT transfers

Receive international payments directly into your Qonto account

€5

International SWIFT transfers

Make international payments directly from your Qonto app

1%

1%

1%

Simplified accounting

Digital receipts

Upload and save your receipts to match them to your transactions

Receipts forward

Forward your receipts to a dedicated email address and they will automatically be matched to your transactions

Certified receipts

We digitally certify your receipts so you can throw them away whilst remaining compliant

Custom labels

Automate your accounting by adding labels to your transactions such as client code, country, team names etc.

Supplier management

Categorize your suppliers and add specific VAT rates automatically

Accountant access

Simplify your accounting by granting a dedicated access to your accountant

Time savers

Connect

Automate your finance management by connecting your everyday apps and accounting software

Analytics

Gain transparency with a clear view of your spending over time, sorted by suppliers, teams, tags and other filters

Bulk transfers

Combine volume transfers such as salaries or invoices to make up to 400 payments in one go

Automate repetitive tasks Soon

Automate admin tasks such as labelling, approvals, alerts and more

Customer support

7-day-a-week support by chat, phone or email

Get your questions answered quickly and via whichever channel you prefer

Standard

Standard

Priority

For an easily shareable version, download the PDF

Frequently Asked Questions

Is Qonto a bank?

Qonto is not a bank but rather a payment institution supervised by the Banque de France (under the number CIB 16958). We enable companies (existing ones or those 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.

What are the advantages of the Qonto service?

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 offers metal cards for professionals and allows the reception of SWIFT transfers (from abroad).

Much more than a current account, Qonto simplifies your daily life 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, with people ready to answer your questions as quickly as possible.

Qonto's pricing and offers are transparent. All monthly subscriptions come without commitments. You can switch from one plan to another at any time if your business needs to change.

200,000 business customers have already joined Qonto to simplify their day-to-day financial management - why not you?

Who can open a Qonto account?

Qonto is designed for all professionals and companies who wish to optimize their daily financial and accounting management. The opening of a Qonto business 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 an account for professional purposes.

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.

Are there any commissions in addition to the cost of the monthly subscription?

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.

How do international payments work?

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. This feature is included in some of our plans. Discover all our plans and what they include from our Pricing page.

Payments by card
All of our Qonto cards accompany and insure you when you travel. 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 low, 1% exchange rate commission on card payments outside the euro zone.

With the X card, all your payments abroad are made at the real exchange rate (without any exchange commission) and your withdrawals are free of charge.

These two cards come with premium insurance to protect you and your teams when travelling.

What are special operations?

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 audit. 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 an 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.

Ready to try Qonto?

01
Sign up in a few minutes
02
We just have to verify your identity
03
Your account is open!
04
Send your first payment
Essential
Essential banking services to help you manage your activity as a team
€29 /month (excl. VAT)
30 days free trial - No commitment.
  • 2 members included (with 2 Business Mastercards)
  • 100 SEPA transfers and 3 cashed checks
  • 5 accounts with individual IBANs
  • Bookkeeping Pack (digital receipts, VAT auto-detection, labels...)
  • Role management and access (Admin, Employee, Accountant...)
  • Support 7 days a week
Popular
Business
Complete package including spend management as a team
€99 /month (excl. VAT)
30 days free trial - No commitment.
  • 5 members included (with 5 Business Mastercards)
  • 500 SEPA transfers and 10 cashed checks
  • 10 accounts with individual IBANs
  • Bookkeeping Pack (digital receipts, VAT auto-detection, labels...)
  • Advanced role management and access (Admin, Manager, Employee, Accountant)
  • Team expenses Pack (transfer requests, “Flash” one-off virtual payment cards)
  • Priority support 7 days a week, key account manager providing onboarding help and a personalized service
Enterprise
Our complete package, with the highest limits and full access
€249 /month (excl. VAT)
30 days free trial - No commitment.
  • 10 members included (with 10 Business Mastercards)
  • 1,000 SEPA transfers and 15 cashed checks
  • Unlimited accounts with individual IBANs
  • Bookkeeping Pack (digital receipts, VAT auto-detection, labels...)
  • Advanced role management and access (Admin, Manager, Employee, Accountant)
  • Team expenses Pack (transfer requests, team budgets, “Flash” one-off virtual payment cards)
  • VIP support 7 days a week, key account manager providing onboarding help and a personalized service
Essential
Business
Enterprise

Included in all plans

Unlimited account statements

Benefit from unlimited transaction history and account statements allowing you to keep track of your business expenses no matter the time period

Real-time notifications

Stay up to date with your expenses by receiving real-time notifications on your phone or by email after each transaction

Country specific IBAN

Benefit from truly localizing your business with a French, Italian, German, or Spanish IBAN.

Trusted by 200,000 businesses

Secure

Your funds are safeguarded by the French Fonds de Garantie des Dépôts et de Résolution

Fair

No hidden fees, no transfer commissions, no obligations

All-in-one

A complete solution for controlling your expenses and automating your bookkeeping

Responsive

Get help and answers to your questions from our Customer Service team, 7 days a week.

Essential

€29

(excl. VAT) /month

Business

€99

(excl. VAT) /month

Enterprise

€249

(excl. VAT) /month

Compare plans

Essential

€29

(excl. VAT) /month

Business

€99

(excl. VAT) /month

Enterprise

€249

(excl. VAT) /month
Download in PDF format

The essentials

Physical cards

Personalize settings of your One card (included), Plus or X card depending on your needs

Virtual cards

Make online payments with your virtual cards or pay in-store thanks to Apple Pay and Google Pay

Accounts

Create several accounts to separate your activities

5

10

SEPA transfers and direct debits

Easily manage transfers and direct debits
Any extra in/outbound transaction will be charged €0.40

100

500

1,000

Cash checks

Easily cash checks for free (France only)
Additional checks will be charged at €2

3

10

15

Incoming SWIFT transfers

Receive international payments directly into your Qonto account

International SWIFT transfers

Make international payments directly from your Qonto app

1%

1%

1%

Simplified accounting

Digital receipts

Upload and save your receipts to match them to your transactions

Receipts forward

Forward your receipts to a dedicated email address and they will automatically be matched to your transactions

Certified receipts

We digitally certify your receipts so you can throw them away whilst remaining compliant

Custom labels

Automate your accounting by adding labels to your transactions such as client code, country, team names etc.

Supplier management

Categorize your suppliers and add specific VAT rates automatically

Accountant access

Simplify your accounting by granting a dedicated access to your accountant

Time savers

Connect

Automate your finance management by connecting your everyday apps and accounting software

Analytics

Gain transparency with a clear view of your spending over time, sorted by suppliers, teams, tags and other filters

Bulk transfers

Combine volume transfers such as salaries or invoices to make up to 400 payments in one go

Automate repetitive tasks Soon

Automate admin tasks such as labelling, approvals, alerts and more

Team expenses

Team access

Delegate tasks by granting access to your team;

Any extra member will be charged €5 per month

2

5

10

Requests

Stay in control by setting clear guidelines for transfers requiring approvals

Flash cards New

Facilitate your team one-off expenses by instantly creating virtual cards dedicated to each occasion

Manager role New

Empower your managers by allocating custom permissions for independent finance management

Team Budget Soon

Set budgets for each team by using dedicated accounts; give autonomy while remaining in control

Customer support

7-day-a-week support by chat, phone or email

Get your questions answered quickly and via whichever channel you prefer

Standard

Priority

Priority

Personalized support

Benefit from key account manager helping onboarding and continued service

€29

(excl. VAT) /month

€99

(excl. VAT) /month

€249

(excl. VAT) /month

€29

(excl. VAT) /month

€99

(excl. VAT) /month

€249

(excl. VAT) /month
The essentials

Physical cards

Personalize settings of your One card (included), Plus or X card depending on your needs

Virtual cards

Make online payments with your virtual cards or pay in-store thanks to Apple Pay and Google Pay

Accounts

Create several accounts to separate your activities

5

10

SEPA transfers and direct debits

Easily manage transfers and direct debits
Any extra in/outbound transaction will be charged €0.40

100

500

1,000

Cash checks

Easily cash checks for free (France only)
Additional checks will be charged at €2

3

10

15

Incoming SWIFT transfers

Receive international payments directly into your Qonto account

International SWIFT transfers

Make international payments directly from your Qonto app

1%

1%

1%

Simplified accounting

Digital receipts

Upload and save your receipts to match them to your transactions

Receipts forward

Forward your receipts to a dedicated email address and they will automatically be matched to your transactions

Certified receipts

We digitally certify your receipts so you can throw them away whilst remaining compliant

Custom labels

Automate your accounting by adding labels to your transactions such as client code, country, team names etc.

Supplier management

Categorize your suppliers and add specific VAT rates automatically

Accountant access

Simplify your accounting by granting a dedicated access to your accountant

Time savers

Connect

Automate your finance management by connecting your everyday apps and accounting software

Analytics

Gain transparency with a clear view of your spending over time, sorted by suppliers, teams, tags and other filters

Bulk transfers

Combine volume transfers such as salaries or invoices to make up to 400 payments in one go

Automate repetitive tasks Soon

Automate admin tasks such as labelling, approvals, alerts and more

Team expenses

Team access

Delegate tasks by granting access to your team;

Any extra member will be charged €5 per month

2

5

10

Requests

Stay in control by setting clear guidelines for transfers requiring approvals

Flash cards New

Facilitate your team one-off expenses by instantly creating virtual cards dedicated to each occasion

Manager role New

Empower your managers by allocating custom permissions for independent finance management

Team Budget Soon

Set budgets for each team by using dedicated accounts; give autonomy while remaining in control

Customer support

7-day-a-week support by chat, phone or email

Get your questions answered quickly and via whichever channel you prefer

Standard

Priority

Priority

Personalized support

Benefit from key account manager helping onboarding and continued service

For an easily shareable version, download the PDF

Frequently asked questions

Is Qonto a bank?

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.

What are the advantages of the Qonto service?

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.

200,000 business customers have already joined Qonto to simplify their day-to-day financial management - why not you?

Who can open a Qonto account?

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.

Are there any commissions in addition to the cost of the monthly subscription?

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.

How do international payments work?

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. This feature is included in some of our plans. Discover all our plans and what they include from our Pricing page.

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.

What are special operations?

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.

Ready to try Qonto?

01
Sign up in a few minutes
02
We just have to verify your identity
03
Your account is open! Let's start
04
Send your first payment
Basic Pack
The essentials for managing your activity as a self-employed worker
€149 for the 1st year (excl. VAT)
Save €28
  • Capital deposit in 72 hours
  • 1 user and 1 Business Mastercard
  • 30 SEPA transfers and direct debits
Popular
Smart Pack
A complete account to make managing banking and accounting simple
€249 for the 1st year (excl. VAT)
Save €48
  • Capital deposit in 72 hours
  • 1 user and 1 Business Mastercard
  • 60 SEPA transfers and direct debits and 2 cashed checks
  • Advanced features (multi-accounts, bulk transfers) and Accounting Pack
Essential Pack
Essential banking services to help you manage your activity as a team
€349 for the 1st year (excl. VAT)
Save €68
  • Capital deposit in 72 hours
  • 2 users and 2 Business Mastercards
  • 100 SEPA transfers and direct debits and 3 cashed checks
  • Role management and access (Admin, Employee, Accountant)
  • Advanced features (multi-accounts, bulk transfers) and Accounting Pack
Basic Pack
Smart Pack
Essential Pack

No commitment

Pay for the capital deposit now and then pay monthly for the plan which suits you best.

Basic

€9 /month (excl. VAT)

+ €69 capital deposit fee

Open an account
No commitment.

Smart

€19 /month (excl. VAT)

+ €69 capital deposit fee

Open an account
No commitment.

Essential

€29 /month (excl. VAT)

+ €69 capital deposit fee

Open an account
No commitment.
Basic
Smart
Essential

Included in all plans

Unlimited account statements

Benefit from unlimited transaction history and account statements allowing you to keep track of your business expenses no matter the time period

Real-time notifications

Stay up to date with your expenses by receiving real-time notifications on your phone or by email after each transaction

Country-specific IBAN

Benefit from truly localizing your business with a French, Italian, German, or Spanish IBAN.

Trusted by 200,000 businesses

Secure

Your funds are safeguarded by the French Fonds de Garantie des Dépôts et de Résolution

Fair

No hidden fees, no transfer commissions, no obligations

All-in-one

A complete solution for controlling your expenses and automating your bookkeeping

Responsive

Get help and answers to your questions from our Customer Service team, 7 days a week.

Basic

€9

(excl. VAT) /month

Smart

€19

(excl. VAT) /month

Essential

€29

(excl. VAT) /month

Compare plans

Basic

€9

(excl. VAT) /month

Smart

€19

(excl. VAT) /month

Essential

€29

(excl. VAT) /month
Download in PDF format

The essentials

Physical cards

Personalize settings of your One card (included), Plus or X card depending on your needs

Virtual cards

Make online payments with your virtual cards or pay in-store thanks to Apple Pay and Google Pay

€2/month

Accounts

Create several accounts to separate your activities

1

2

5

SEPA transfers and direct debits

Easily manage transfers and direct debits
Any extra in/outbound transaction will be charged €0.40

30

60

100

Cash checks

Easily cash checks for free (France only)
Additional checks will be charged at €2

0

2

3

Incoming SWIFT transfers

Receive international payments directly into your Qonto account

€5

International SWIFT transfers

Make international payments directly from your Qonto app

1%

1%

1%

Simplified accounting

Digital receipts

Upload and save your receipts to match them to your transactions

Receipts forward

Forward your receipts to a dedicated email address and they will automatically be matched to your transactions

Certified receipts

We digitally certify your receipts so you can throw them away whilst remaining compliant

Custom labels

Automate your accounting by adding labels to your transactions such as client code, country, team names etc.

Supplier management

Categorize your suppliers and add specific VAT rates automatically

Accountant access

Simplify your accounting by granting a dedicated access to your accountant

Time savers

Connect

Automate your finance management by connecting your everyday apps and accounting software

Analytics

Gain transparency with a clear view of your spending over time, sorted by suppliers, teams, tags and other filters

Bulk transfers

Combine volume transfers such as salaries or invoices to make up to 400 payments in one go

Automate repetitive tasks Soon

Automate admin tasks such as labelling, approvals, alerts and more

Team expenses

Team access

Delegate tasks by granting access to your team;

Any extra member will be charged €5 per month

2

Customer support

7-day-a-week support by chat, phone or email

Get your questions answered quickly and via whichever channel you prefer

Standard

Standard

Standard

€9

(excl. VAT) /month

€19

(excl. VAT) /month

€29

(excl. VAT) /month

€9

(excl. VAT) /month

€19

(excl. VAT) /month

€29

(excl. VAT) /month
The essentials

Physical cards

Personalize settings of your One card (included), Plus or X card depending on your needs

Virtual cards

Make online payments with your virtual cards or pay in-store thanks to Apple Pay and Google Pay

€2/month

Accounts

Create several accounts to separate your activities

1

2

5

SEPA transfers and direct debits

Easily manage transfers and direct debits
Any extra in/outbound transaction will be charged €0.40

30

60

100

Cash checks

Easily cash checks for free (France only)
Additional checks will be charged at €2

0

2

3

Incoming SWIFT transfers

Receive international payments directly into your Qonto account

€5

International SWIFT transfers

Make international payments directly from your Qonto app

1%

1%

1%

Simplified accounting

Digital receipts

Upload and save your receipts to match them to your transactions

Receipts forward

Forward your receipts to a dedicated email address and they will automatically be matched to your transactions

Certified receipts

We digitally certify your receipts so you can throw them away whilst remaining compliant

Custom labels

Automate your accounting by adding labels to your transactions such as client code, country, team names etc.

Supplier management

Categorize your suppliers and add specific VAT rates automatically

Accountant access

Simplify your accounting by granting a dedicated access to your accountant

Time savers

Connect

Automate your finance management by connecting your everyday apps and accounting software

Analytics

Gain transparency with a clear view of your spending over time, sorted by suppliers, teams, tags and other filters

Bulk transfers

Combine volume transfers such as salaries or invoices to make up to 400 payments in one go

Automate repetitive tasks Soon

Automate admin tasks such as labelling, approvals, alerts and more

Team expenses

Team access

Delegate tasks by granting access to your team;

Any extra member will be charged €5 per month

2

Customer support

7-day-a-week support by chat, phone or email

Get your questions answered quickly and via whichever channel you prefer

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Frequently asked questions

Is Qonto a bank?

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.

What are the advantages of the Qonto service?

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 finance solution 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's 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 a change.

200,000 business customers have already joined Qonto to simplify their day-to-day financial management - why not you?

Who can open a Qonto account?

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.

How do you open an account?

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 provide 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).

Are there any commissions in addition to the cost of the monthly subscription?

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.

How do international payments work?

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. This feature is included in some of our plans. Discover all our plans and what they include on our Pricing page.

Payments by card
All of our Qonto cards accompany and insure you when you travel. 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 on card payments outside the euro zone.

With the X card, all your payments abroad are made at the real exchange rate (without any exchange commission) and your withdrawals are free of charge.

These two cards come with premium insurance to protect you or your teams while traveling.

What are special operations?

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 an 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.

Get your Qonto business banking account

01
Chose your legal status
02
Deposit your capital
03
Register your company