Transparent pricing for all.

Online business finances with no hidden fees.

Paid Monthly
Paid Yearly
(save up to 20%)

Basic

€9

/month (excl. VAT)

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Billed annually at
€132 €108
SAVE €24/YEAR BY PAYING ANNUALLY

An online business account & app to simplify your day-to-day finances.

Take a free 30-day trial

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Business Account & Cards

1 x One Card Mastercard with €20,000/month payment limit

- ATM cash withdrawal limit of €1,000/month.
- Fixed fee of €2 excl. tax per cash withdrawal.
- Expand your payment limits with premium cards: Plus Card, Metal X Card on demand.

30 transfers or direct debits/month

- Free Instant SEPA transfers included (€0.40 fixed fee for each additional transfer).
- International SWIFT transfers available in 25 currencies from €5/transfer.

1 account

With French, German, Italian or Spanish IBAN.

7-day-a-week support

By phone, email or chat.
24/7 customer support available in France.

50+ partner integrations

Save time by automating: sync your account with partner apps including Dropbox, Tiime, Pennylane, Quickbooks and more.

Access to financing offers

Finance your supplier invoices directly with Qonto or fuel your growth through our financing partners. Check eligibility criteria in our FAQs.
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Invoicing & Bookkeeping

1 x Accountant access

Automated bookkeeping tools

Integrated invoicing tool

Advanced dashboard

Smart

€19

/month (excl. VAT)

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Billed annually at
€276 €228
SAVE €48/YEAR BY PAYING ANNUALLY

Advanced tools that get bookkeeping & invoicing jobs done fast.

Take a free 30-day trial

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Business Account & Cards

1 x One Card Mastercard + unlimited virtual cards

- Payment limit of €20,000/month.
- ATM cash withdrawal limit of €1,000/month.
- Expand your limits with premium cards: Plus Card, Metal X Card on demand.

60 transfers or direct debits/month

- Free Instant SEPA transfers included (€0.40 fixed fee for each additional transfer).
- International SWIFT transfers available in 25 currencies from €5/transfer.

1 account + 1 sub-account

Sub-account with its own IBAN to help you separate budgets, cashflows, taxes, spending categories etc.

7-day-a-week support

By phone, email or chat.
24/7 customer support available in France.

80+ exclusive integrations

Get all our standard integrations to automate bookkeeping, accounting, cashflow analysis and productivity. Plus, access exclusive integrations, including Stripe, Google Drive, DATEV, Dropbox, Tiime, Pennylane, Quickbooks and more.

Access to financing offers

Finance your supplier invoices directly with Qonto or fuel your growth through our financing partners. Check eligibility criteria in our FAQs.
virtual card purple

Invoicing & Bookkeeping

1 x Accountant access

Grant a limited account access to your accountant. No more manual exports of your supporting documents. No more endless back-and-forth.

Automated bookkeeping tools

Digitized & certified receipts, automatic receipt attachment, auto-detection of VAT and supplier data, automated categorization of spending items and more.

Integrated invoicing tool

Manage all your Accounts Payable and Accounts Receivable in one place. Our simple and intuitive tool will help you pay and get paid even faster.

Advanced dashboard

Enjoy at-a-glance visibility over your finances and insights into your cash flow. In real time and on the go.

Premium

€39

/month (excl. VAT)

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Billed annually at
€540 €468
SAVE €72/YEAR BY PAYING ANNUALLY

Automated, on-the-go finances with our highest limits & priority customer support.

Take a free 30-day trial

virtual card purple

Business Account & Cards

1 x One Card Mastercard + unlimited virtual cards

- Payment limit of €20,000/month.
- ATM cash withdrawal limit of €1,000/month.
- Expand your limits with premium cards: Plus Card, Metal X Card on demand.

100 transfers or direct debits/month

- Free Instant SEPA transfers included (€0.40 fixed fee for each additional transfer).
- International SWIFT transfers available in 25 currencies from €5/transfer.

1 account + 4 sub-accounts

Sub-accounts with their own IBAN to help you separate budgets, cashflows, taxes, spending categories etc.

Priority 7-day-a-week support

By phone, email or chat.
24/7 customer support available in France.

80+ exclusive integrations

Get all our standard integrations to automate bookkeeping, accounting, cashflow analysis and productivity. Plus, access exclusive integrations, including Stripe, Google Drive, DATEV, Dropbox, Tiime, Pennylane, Quickbooks and more.

Access to financing offers

Finance your supplier invoices directly with Qonto or fuel your growth through our financing partners. Check eligibility criteria in our FAQs.
virtual card purple

Invoicing & Bookkeeping

1 x Accountant access

Grant a limited account access to your accountant. No more manual exports of your supporting documents. No more endless back-and-forth.

Automated bookkeeping tools

Digitized & certified receipts, automatic receipt attachment, auto-detection of VAT and supplier data, automated categorization of spending items and more.

Integrated invoicing tool

Manage all your Accounts Payable and Accounts Receivable in one place. Our simple and intuitive tool will help you pay and get paid even faster.

Advanced dashboard

Enjoy at-a-glance visibility over your finances and insights into your cash flow. In real time and on the go.

Slick app

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A simple, smart, all-in-one app, so you can always keep track of your finances. Industry-best ratings.

Rapid support

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Your questions answered by our team via chat, email or phone. Any day of the year.

Always secure

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From Strong Customer Authentification to 3D Secure, we use the most advanced methods to protect your money.

Regulated

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Qonto is industry licensed, regulated and compliant. Your funds are secure & safeguarded.

Loved & trusted. 450,000 times and counting.
Basic
€9
/month (excl. VAT)
Smart
€19
/month (excl. VAT)
Premium
€39
/month (excl. VAT)

Business Account & Cards

Accounts

Create sub-accounts, each with their own IBANs, to separate your budgets, activities, taxes etc.

1

2

5

Physical cards

Customize your business Mastercards in real time: One Card (included in your plan), Plus Card or Metal X Card.
onecard
pluscard
xcard
One Card
One Card
One Card
One Card
One Card
One Card

Virtual cards

Make online payments with virtual cards and use them in-store with Apple Pay and Google Pay.

€2/month per card

Unlimited

Unlimited

SEPA transfers & direct debits

Manage transfers & direct debits in the Qonto app. Transactions beyond those included in the plans will be billed at €0.40 per transfer.

Then €0.40 for each additional transfer

30/month

60/month

100/month

Instant outgoing SEPA transfers

The funds in your beneficiary’s account within 10 seconds. Transfers beyond those included in the plans will be billed at €0.40 per transfer.

Apply to all transfers included in the plan, then €0.40 for each additional transfer

Incoming SWIFT transfers 

Receive international payments directly into your Qonto account.

€5/transfer

€5/transfer

€5/transfer

Outgoing SWIFT transfers

Make international payments directly from your Qonto app in 25 currencies.

in 25 currencies

1% + €5 fixed fee/transfer

0.9% + €5 fixed fee/transfer

0.8% + €5 fixed fee/transfer

Cashed checks (France only)

Checks beyond those included in the plan will be charged at €2/check.

Then €2 for each additional check

0/month

2/month

5/month

Bulk transfers

Combine volume transfers such as salaries or invoices to make up to 400 payments at once

Access to financing partners

Check each partner’s eligibility criteria in the Financing section of your Qonto account.

Find financing through our network of partners. Enjoy a fast-tracked application process & receive funds directly into your Qonto account.

Accounts Receivable

Create & customize quotes and invoices

Create and send invoices in less than a minute thanks to pre-saved data of your customers and your catalogue of products/services; you can also convert your approved quotes directly into invoices.

Send, remind & track automatically

Share your quotes/invoices via email and automate the monitoring of your incoming payments. Easily send reminders and receive real-time notifications for every payment.

Invoice compliance & archiving

Simplify your admin with automated invoice numbering; cancel part or all of an invoice thanks to credit notes; automatically sync client invoices with the right transactions as soon as they’re paid.

Accounts Payable

Automate invoice import & collection

Automate the transfer of invoices received via email, import them automatically from Google Drive or Dropbox, or simply drag and drop them directly into Qonto.

Automate payment processing with OCR

Process payments faster thanks to Optical Character Recognition (OCR) and the automatic extraction of invoice data (beneficiary, IBAN, amount etc.)

Track your invoice payments

See all your payment due dates at a glance, schedule payments, make instant SEPA transfers and keep your suppliers informed with just one click.
NEW

Pay Later

Discover the eligibility criteria in our FAQs.

Get instant funds to finance your supplier invoices, then pay us back in 3 installments (fixed 1.17% monthly interest applies).

Bookkeeping & Reporting

Accountant access

Simplify your accounting by granting dedicated read-only access to your accountant.

Digitized receipts

Upload your receipts to the app; we’ll match them automatically to the right transactions so they’re digitized & 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.

Custom labels

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

Supplier management

Categorize your suppliers and automatically add a specific VAT rate.

Dashboard

Precise cash flow insights thanks to indicator charts and real-time inflow/outflow tracking. Access customizable filters with the advanced dashboard.

Advanced

Advanced

NEW

External account syncing

Safely sync your bank accounts & payment services to pilot all your finances without leaving Qonto.

Centralize your external accounts & get total visibility.

API integrations

Connect Qonto to your favorite tools and software (Dropbox, Tiime, Pennylane, QuickBooks, Stripe, Google Drive, DATEV…) to automate repetitive manual tasks..

50+

80+

80+

NEW

EBICS connections (France only)

Set up an EBICS connection between Qonto and your preferred tool to manage banking, accounting or payment data all in one place.

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JeDéclare

JeDéclare

Customer Care

7-day-a-week support (24/7 in France). By chat, phone or email.

Priority support

Peach  Seo Highlight Pricing Plans

Don’t know which price plan to choose?

Frequently Asked Questions

Is Qonto a bank?

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What are the advantages of the Qonto service?

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Who can open a Qonto account?

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

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How do international payments work?

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What are considered 'special operations'?

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Ready? Sign up in minutes.

Qonto’s goal is to protect what’s most precious to entrepreneurs: their time, energy and focus. We've made signing up quick and easy, so you can see exactly what we mean...