Flexible pricing for your business

For freelancers and independent workers

For co-founders, small and large companies

The pack option offers major savings in your first year

Basic
Essential services to manage your activity as an independent
€9 / month (excl. VAT)
30 days free trial - No commitment.
  • 1 user only (Mastercard Business included)
  • 30 SEPA-transfers and direct debits
  • 7/7 Support
Popular
Smart
Complete account to simplify your banking and accounting management
€19 / month (excl. VAT)
30 days free trial - No commitment.
  • 1 user only (Mastercard Business included) and accountant access
  • 60 SEPA-transfers and direct debits and 2 checks cashing
  • Advanced features (multi-accounts, bulk transfers)
  • Accounting Pack (digital receipts, VAT auto-detection, labels)
  • 7/7 Support
Premium
The plan that includes all our features plus priority support
€39 / month (excl. VAT)
30 days free trial - No commitment.
  • 1 user only (Mastercard Business included) and accountant access
  • 100 SEPA-transfers and direct debits and 5 checks cashing
  • Advanced features (multi-accounts, bulk transfers)
  • Accounting Pack (digital receipts, VAT auto-detection, labels)
  • 7/7 Priority support
Basic
Smart
Premium

Included for 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 150,000 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

Essentials

Physical cards

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

Virtual cards

Make online payments with your virtual cards and 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

Checks cashing

Easily cash checks for free (France only)
Any extra check will be charged €2

0

2

5

Incoming SWIFT transfers

Receive international payments directly within your Qonto account

€5

Included

Included

International SWIFT transfers

Make international payments directly within 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

Throw away your receipts while staying compliant as we certify them digitally

Custom labels

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

Suppliers management

Categorize your suppliers and automatically add a specific VAT rate

Accountant access

Simplify your accounting by granting a dedicated access to your accountant

Time savers

Connect

Automate your financial management by connecting your everyday apps and accounting softwares

Analytics

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

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

7/7 support by chat, phone or email

Receive answers to your questions quickly and through your preferred channel

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
Essentials

Physical cards

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

Virtual cards

Make online payments with your virtual cards and 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

Checks cashing

Easily cash checks for free (France only)
Any extra check will be charged €2

0

2

5

Incoming SWIFT transfers

Receive international payments directly within your Qonto account

€5

Included

Included

International SWIFT transfers

Make international payments directly within 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

Throw away your receipts while staying compliant as we certify them digitally

Custom labels

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

Suppliers management

Categorize your suppliers and automatically add a specific VAT rate

Accountant access

Simplify your accounting by granting a dedicated access to your accountant

Time savers

Connect

Automate your financial management by connecting your everyday apps and accounting softwares

Analytics

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

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

7/7 support by chat, phone or email

Receive answers to your questions quickly and through your preferred channel

Standard

Standard

Priority

For an easily sharable version, download 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.

More than 150,000 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. Do you receive a lot of money transfers from abroad? We recommend a Standard or Premium plan so the fees for receiving SWIFT transfers are included in your monthly subscription.

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
Standard
Essential services for small teams
€29 / month (excl. VAT)
30 days free trial - No commitment.
  • 5 users included (with 2 Mastercards business)
  • Role management and access (Admin, Employee, Accountant)
  • 100 SEPA-transfers and 3 checks cashing
  • 7/7 Support
Popular
Advanced
Complete service to manage finances efficiently as a team
€99 / month (excl. VAT)
30 days free trial - No commitment.
  • Unlimited users (with 5 Mastercards business)
  • Advanced role management and access (Admin, Employee, Manager, Accountant)
  • 500 SEPA-transfers and 10 checks cashing
  • Virtual and disposable cards to streamline your spend management
  • 7/7 Priority support, key account manager helping onboarding and continued service
Corporate
Personalized plan for larger teams
On demand
30 days free trial - No commitment.
Standard
Advanced
Corporate

Included for 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 150,000 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.

Standard

€29

 (excl. VAT) / month

Advanced

€99

 (excl. VAT) / month

Corporate

On demand

 

Compare plans

Standard

€29

 (excl. VAT) / month

Advanced

€99

 (excl. VAT) / month

Corporate

On demand

 
Download in PDF format

Essentials

Physical cards

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

Virtual cards

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

2 included

€2 /month per extra

Accounts

Create several accounts to separate your activities

5

5

SEPA-transfers and direct debits

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

100

500

Checks cashing

Easily cash checks for free (France only)
Any extra check will be charged €2

3

10

Incoming SWIFT transfers

Receive international payments directly within your Qonto account

Included

Included

International SWIFT transfers

Make international payments directly within your Qonto app

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

Throw away your receipts while staying compliant as we certify them digitally

Custom labels

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

Suppliers management

Categorize your suppliers and automatically add a specific VAT rate

Accountant access

Simplify your accounting by granting a dedicated access to your accountant

Time savers

Connect

Automate your financial management by connecting your everyday apps and accounting softwares

Analytics

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

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

7/7 support by chat, phone or email

Receive answers to your questions quickly and through your preferred channel

Standard

Priority

Priority

Personalized support

Benefit from key account manager helping onboarding and continued service

Spend management

Team access

Delegate tasks by granting access to your team

5

Unlimited

Requests New

Stay in control by setting clear guidelines for transfers requiring approvals

Disposable cards Soon

Easily manage occasional expenses with disposable payment cards

Custom roles Soon

Decentralize spend management by granting custom permissions to your team members

€29

 (excl. VAT) / month

€99

 (excl. VAT) / month

On demand

 

€29

 (excl. VAT) / month

€99

 (excl. VAT) / month

On demand

 
Essentials

Physical cards

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

Virtual cards

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

2 included

€2 /month per extra

Accounts

Create several accounts to separate your activities

5

5

SEPA-transfers and direct debits

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

100

500

Checks cashing

Easily cash checks for free (France only)
Any extra check will be charged €2

3

10

Incoming SWIFT transfers

Receive international payments directly within your Qonto account

Included

Included

International SWIFT transfers

Make international payments directly within your Qonto app

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

Throw away your receipts while staying compliant as we certify them digitally

Custom labels

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

Suppliers management

Categorize your suppliers and automatically add a specific VAT rate

Accountant access

Simplify your accounting by granting a dedicated access to your accountant

Time savers

Connect

Automate your financial management by connecting your everyday apps and accounting softwares

Analytics

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

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

7/7 support by chat, phone or email

Receive answers to your questions quickly and through your preferred channel

Standard

Priority

Priority

Personalized support

Benefit from key account manager helping onboarding and continued service

Spend management

Team access

Delegate tasks by granting access to your team

5

Unlimited

Requests New

Stay in control by setting clear guidelines for transfers requiring approvals

Disposable cards Soon

Easily manage occasional expenses with disposable payment cards

Custom roles Soon

Decentralize spend management by granting custom permissions to your team members

For an easily sharable version, download 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.

More than 150,000 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. Do you receive a lot of money transfers from abroad? We recommend a Standard or Premium plan so the fees for receiving SWIFT transfers are included in your monthly subscription.

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
Essential services to manage your activity as an independent
€149 for 1st year (excl. VAT)
Save €28
  • Capital deposit in 72 hours
  • 1 user and 1 Mastercard Business
  • 30 SEPA-transfers & direct debits
Popular
Smart Pack
Complete account to simplify your banking and accounting management
€249 for 1st year (excl. VAT)
Save €48
  • Capital deposit in 72 hours
  • 1 user and 1 Mastercard Business
  • 60 SEPA-transfers and 2 direct debits
  • Advanced features (multi-accounts, bulk transfers) and Accounting Pack
Standard Pack
Essential services for small teams
€349 for 1st year (excl. VAT)
Save €68
  • Capital deposit in 72 hours
  • 5 users and 2 Mastercards Business
  • Role management and access (Admin, Employee, Accountant)
  • 100 SEPA-transfers and 3 checks cashing
  • Advanced features (multi-accounts, bulk transfers) and Accounting Pack
Basic Pack
Smart Pack
Standard 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 for capital deposit fee

Open an account
No commitment.

Smart

€19 / month (excl. VAT)

+ €69 for capital deposit fee

Open an account
No commitment.

Standard

€29 / month (excl. VAT)

+ €69 for capital deposit fee

Open an account
No commitment.
Basic
Smart
Standard

Included for 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 150,000 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

Standard

€29

 (excl. VAT) / month

Compare plans

Basic

€9

 (excl. VAT) / month

Smart

€19

 (excl. VAT) / month

Standard

€29

 (excl. VAT) / month
Download in PDF format

Essentials

Physical cards

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

Virtual cards

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

€2 /month

2 included

€2 /month per extra

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

Checks cashing

Easily cash checks for free (France only)
Any extra check will be charged €2

0

2

3

Incoming SWIFT transfers

Receive international payments directly within your Qonto account

€5

Included

Included

International SWIFT transfers

Make international payments directly within 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

Throw away your receipts while staying compliant as we certify them digitally

Custom labels

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

Suppliers management

Categorize your suppliers and automatically add a specific VAT rate

Accountant access

Simplify your accounting by granting a dedicated access to your accountant

Time savers

Connect

Automate your financial management by connecting your everyday apps and accounting softwares

Analytics

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

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

7/7 support by chat, phone or email

Receive answers to your questions quickly and through your preferred channel

Standard

Standard

Standard

Spend management

Team access

Delegate tasks by granting access to your team

5

€9

 (excl. VAT) / month

€19

 (excl. VAT) / month

€29

 (excl. VAT) / month

€9

 (excl. VAT) / month

€19

 (excl. VAT) / month

€29

 (excl. VAT) / month
Essentials

Physical cards

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

Virtual cards

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

€2 /month

2 included

€2 /month per extra

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

Checks cashing

Easily cash checks for free (France only)
Any extra check will be charged €2

0

2

3

Incoming SWIFT transfers

Receive international payments directly within your Qonto account

€5

Included

Included

International SWIFT transfers

Make international payments directly within 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

Throw away your receipts while staying compliant as we certify them digitally

Custom labels

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

Suppliers management

Categorize your suppliers and automatically add a specific VAT rate

Accountant access

Simplify your accounting by granting a dedicated access to your accountant

Time savers

Connect

Automate your financial management by connecting your everyday apps and accounting softwares

Analytics

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

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

7/7 support by chat, phone or email

Receive answers to your questions quickly and through your preferred channel

Standard

Standard

Standard

Spend management

Team access

Delegate tasks by granting access to your team

5

For an easily sharable version, download 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.

More than 150,000 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 to 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 bring 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. Do you receive a lot of money transfers from abroad? We recommend a Standard or Premium plan so the fees for receiving SWIFT transfers are included in your monthly subscription.

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.

Get your Qonto business banking account

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