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Subscriptions for self-employed freelancers and independent contractors.
Unlimited transaction history and account statements. For total visibility over your spending and revenue.
Monitor your expense items with real-time notifications via phone or email.
Become country-specific with a French, Italian, German or Spanish IBAN.
Transfer your business account just as you would with your personal bank. Time is precious. Paperwork is not. Our team will help you switch accounts with zero fuss.
Compare subscriptions |
Basic€9
/month (excl. VAT)
|
Smart€19
/month (excl. VAT)
|
Premium€39
/month (excl. VAT)
|
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The essentials |
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Physical cardsPersonalize settings of your One card (included), Plus or X card depending on your needs ![]() ![]() ![]() Compare our cards |
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Carte One (incluse) |
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Carte One (incluse) |
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Carte One (incluse) |
Virtual cardsMake online payments with your virtual cards or pay in-store thanks to Apple Pay and Google Pay |
€2 / month per card |
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AccountsCreate several accounts with individual IBANs to separate your activities |
1 |
2 |
5 |
SEPA transfers and direct debitsManage your transfers and direct debits in one click and receive funds instantly, even on weekends, €0.40 charged for any extra in/outbound transaction |
30 / month |
60 / month |
100 / month |
Outgoing instant SEPA transfers
New
Send money to your beneficiaries in just 10 seconds, with no extra fees compared to a normal SEPA transfer |
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Cash checksEasily cash checks for free (France only), additional checks will be charged at €2 |
0 |
2 / month |
5 / month |
Incoming SWIFT transfersReceive international payments directly into your Qonto account |
€5 |
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International SWIFT transfersMake international payments directly from your Qonto app |
1% |
1% |
1% |
Simplified accounting |
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Digital receiptsUpload and save your receipts to match them to your transactions |
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Accountant accessSimplify your accounting by granting a dedicated access to your accountant |
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Certified receiptsWe digitally certify your receipts so you can throw them away whilst remaining compliant |
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Receipts forwardForward your receipts to a dedicated email address and they will automatically be matched to your transactions |
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Custom labelsAutomate your accounting by adding labels to your transactions such as client code, country, team names etc. |
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Supplier managementCategorize your suppliers and add specific VAT rates automatically |
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Time savers |
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ConnectPropel your productivity by connecting Qonto to your favorite professional tools |
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ConnectPlusAccess integrations that are exclusively included in a selection of plans |
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Invoicing tool
New
All-in-one invoicing, integrated into your business account. Follow-up and payment. |
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DashboardMake managing your cash flow easy thanks to indicator charts and precise tracking of your inflows and outflows |
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Advanced DashboardChoose your own time periods and combine filter criteria for a more customized and in-depth cash flow analysis |
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Bulk transfersCombine volume transfers such as salaries or invoices to make up to 400 payments in one go |
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Supplier invoice management
New
Import your supplier invoices. Keep a close eye on their due dates, and pay them in just a few clicks |
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Automate repetitive tasks
Coming soon
Automate admin tasks such as labelling, approvals, alerts and more |
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Customer support |
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7-day-a-week support by chat, phone or emailGet your questions answered quickly and via whichever channel you prefer |
Standard |
Standard |
Priority |
Personalize settings of your One card (included), Plus or X card depending on your needs
Compare our cards
Carte One (incluse)
Carte One (incluse)
Make online payments with your virtual cards or pay in-store thanks to Apple Pay and Google Pay
€2 / month per card
Create several accounts with individual IBANs to separate your activities
1
2
Manage your transfers and direct debits in one click and receive funds instantly, even on weekends, €0.40 charged for any extra in/outbound transaction
30 / month
60 / month
Send money to your beneficiaries in just 10 seconds, with no extra fees compared to a normal SEPA transfer
Easily cash checks for free (France only), additional checks will be charged at €2
0
2 / month
Receive international payments directly into your Qonto account
€5
Make international payments directly from your Qonto app
1%
1%
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 payment 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. The funds deposited in your Qonto account are totally separate from Qonto’s treasury.
The funds are partly “segregated” in the books of Crédit Mutuel Arkéa. The other part is invested in qualified money market funds, the units of which are held in the books of Société Générale in accordance with our legal and regulatory obligations.
This means that no one but you has access to your money. Neither Qonto nor anyone else can use or invest your company’s money.
For more information please refer to this article.
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.
350,000 business customers have already joined Qonto to simplify their day-to-day financial management - why not you?
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.
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.
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.
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.
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