Transparent pricing for all.

Online business finances with no hidden fees.

Paid Monthly
Paid Yearly
(save up to 20%)

Essential

€29

/month (excl. VAT)

Billed annually at
€408 €348
SAVE €60/YEAR BY PAYING ANNUALLY

Fast, easy business banking, invoicing & bookkeeping for small teams.

Take a free 30-day trial

virtual card mustard

Business Account & Cards

2 x One Card business Mastercards + 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 (€0.25 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 IBANs to help you separate budgets, cashflows, taxes, spending categories etc.

80+ exclusive partner 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.

7-day-a-week support

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

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.

Dedicated Key Account Manager

reimbursement mustard

Invoicing & Expense Management

Access for 2 users + 1 Accountant

Then €5 per month for each extra user.

Integrated invoicing & supplier payments

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.

Automated bookkeeping tools

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

NEW
Expense reports

Customizable payment permissions and controls

Secured EBICS protocol

Advanced dashboard

Business

€99

/month (excl. VAT)

Billed annually at
€1,428 €1,188
SAVE €240/YEAR BY PAYING ANNUALLY

Team spend & expense management tools plus a dedicated Key Account Manager.

Take a free 30-day trial

virtual card mustard

Business Account & Cards

10 x One Card business Mastercards + unlimited virtual cards and temporary 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.

500 transfers or direct debits/month

- Free Instant SEPA transfers included (€0.25 fixed fee for each additional transfer).
- International SWIFT transfers available in 25 currencies from €5/transfer.

1 account + 9 sub-accounts

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

80+ exclusive partner 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.

Priority 7-day-a-week support

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

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.

Dedicated Key Account Manager

Your own personal customer service rep for whenever you have questions.
reimbursement mustard

Invoicing & Expense Management

Access for 10 users + 1 Accountant

Then €5 per month for each extra user.

Integrated invoicing & supplier payments

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.

Automated bookkeeping tools

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

NEW
Expense reports

Centralize team expense claims and reimbursement requests. Track and approve requests in a single click for fast reimbursement.

Customizable payment permissions and controls

Delegate with control thanks to customized access and payment permissions for each team member.

NEW
Secured EBICS protocol

(France only) Set up an EBICS connexion between Qonto and your preferred ERP or treasury tool to manage banking, accounting and payment data all in one place.

Advanced dashboard

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

Enterprise

€249

/month (excl. VAT)

Billed annually at
€3,588 €2,988
SAVE €600/YEAR BY PAYING ANNUALLY

The complete package for larger teams, with advanced tools & our highest limits.

Take a free 30-day trial

virtual card mustard

Business Account & Cards

30 x One Card business Mastercards + unlimited virtual cards and temporary 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.

1,000 transfers or direct debits/month

- Free Instant SEPA transfers included (€0.25 fixed fee for each additional transfer).
- International SWIFT transfers available in 25 currencies from €5/transfer.

1 account + 24 sub-accounts

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

80+ exclusive partner 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.

Priority 7-day-a-week support

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

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.

Dedicated Key Account Manager

Your own personal customer service rep for whenever you have questions.
reimbursement mustard

Invoicing & Expense Management

Access for 30 users + 1 Accountant

Then €5 per month for each extra user.

Integrated invoicing & supplier payments

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.

Automated bookkeeping tools

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

NEW
Expense reports

Centralize team expense claims and reimbursement requests. Track and approve requests in a single click for fast reimbursement.

Customizable payment permissions and controls

Delegate with control thanks to customized access and payment permissions for each team member.

NEW
Secured EBICS protocol

(France only) Set up an EBICS connexion between Qonto and your preferred ERP or treasury tool to manage banking, accounting and payment data all in one place.

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

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

Rapid support

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

Always secure

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

Regulated

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

Loved & trusted. 500,000 times and counting.
Essential
€29
/month (excl. VAT)
Business
€99
/month (excl. VAT)
Enterprise
€249
/month (excl. VAT)

Business Account & Cards

Accounts

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

5

10

25

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.

Unlimited

Unlimited

Unlimited

Instant Cards (one-off expenses)

Ideal for one-off, non-recurrent purchases, create temporary virtual cards in a few clicks

SEPA transfers & direct debits

Manage transfers & direct debits in the Qonto app. Transactions beyond those included in the plans will be billed at €0.25 per transfer.

Then €0.25 for each additional transfer

100/month

500/month

1,000/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 €0.25 per transfer.

Apply to all transfers included in the plan, then €0.25 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

0.75% + €5 fixed fee/transfer

0.5% + €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

3/month

10/month

15/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 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).

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.

Expense & Spend Management

Team access (number of users included)

Delegate tasks by granting access to your team. Users beyond those included in the plan will be billed at €5 per month per user.

Then €5/month for each additional user

2

10

30

Custom Permissions & Manager role

Customize managers’ permissions for spend independence that you control.

Card & transfer request approval

Approve your team’s card and transfer requests in one click.
NEW

Spending categories 

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

Expense report

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

Team budgets

Set budgets for each team by creating dedicated accounts to promote autonomy and keep control.

Bulk transfers

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

Bookkeeping & Reporting

Accountant access

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

Digitized & certified receipts 

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

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 to automate repetitive manual tasks.

80+

80+

80+

NEW

EBICS connexions (France only)

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

JeDéclare

JeDéclare + 1 ERP/TMS connexion

JeDéclare + 3 ERP/TMS connexions

Customer Care

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

Priority support

Priority support

Key Account Manager

Your own dedicated personal advisor to set you up for success.
Peach  Seo Highlight Pricing Plans

Don’t know which price plan to choose?

Frequently Asked Questions

Is Qonto a bank?

What are the advantages of the Qonto service?

Who can open a Qonto account?

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

How do international payments work?

What are considered 'special operations'?

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...