The latest Qonto features—built for you.

Track upcoming payments, pay-later instalments, overdue transactions, invoices, subscriptions, and direct debits. Apply filters to see exactly what's coming in the next 90 days and where to take action to secure your cash flow.

Connect Qonto to Google Sheets for real-time cash flow tracking. Import your forecast scenarios from your spreadsheet and watch them update automatically with your actual cash flow. No more switching between tools so you always know where you stand against your plan. 

Activate Account Remuneration and earn a monthly reward on your full accounts balance. You only need to make 5 eligible payments each month to get your reward.

This is not a banking, saving or investment product. Remuneration is limited and subject to T&Cs.

Accurately and automatically add category labels your transactions with customizable rules. View, edit, and manage all your rules in one place and set the foundation for reliable cash flow management and reporting.

With cash flow scenarios in Qonto, you can go from 'I hope this works' to 'I know what to do next'. Model up to 5 unique cash flow scenarios for your business so you're prepared if revenue grows, costs rise, or plans change.

Say goodbye to the maze of insurance shopping. Insurance Hub (and our partners fueling it) makes it effortless to find, compare, and buy insurance—right from your Qonto account.

Streamline integrations with our Developer Portal, featuring better documentation, 20 new endpoints, and an integrated workflow for customers and partners alike

Onboarding for Comités Sociaux et Économiques (CSEs) made seamless and self-serve. A tailored sign-up flow and exclusive perks—designed to cut down the admin.

Need a Qonto Account Certificate for suppliers or regulators? Download it instantly from your app — no need to contact support.

Predict shortfalls, plan major investments, and automate financial tracking thanks to our latest cash flow management tool. CFO-level insights from one powerful dashboard.

Start your German company in just 8 days with Qonto's all-digital setup. From online notarizations to banking, enjoy a guided, streamlined experience with transparent pricing and expert support.

Starting your business shouldn’t get stuck on a logo. With our AI-powered logo creator, French entrepreneurs can instantly craft a professional logo while waiting for company validation—simple, fast, and hassle-free.

Work faster with the data you have. Edit transactions, add documents, and manage comments right where you work, and tailor your view to what matters most. 

Meet Quick Actions — your new way to get things done faster in Qonto. From SEPA transfers to uploading invoices, skip the taps and stay focused.

Offer SEPA direct debit to your clients and collect payments without chasing or delays. Generate mandates in a few clicks, set the amount and frequency, and funds arrive automatically in your Qonto account on the scheduled date.

Create subscriptions or recurring plans in just a few clicks. Share a recurring payment link, embed it wherever you need, and collect payments automatically — directly from Qonto.

Charge customers incrementally as you deliver value. Perfect for construction, events, and professional services with multi-phase projects. 

Good news! All Qonto users now enjoy lower fees on Tap to Pay and POS terminals — just 0.8% on EU consumer cards. Save more with every transaction!

Gain a complete overview of your business opportunities and projects. Access your documents with a single click, and follow up with clients at the perfect time.

Say goodbye to repetitive edits and manual errors in your billing process. Our quote and invoice templates (available on our Invoicing Add-on) let you build in seconds to get paid fast and minimize those "oops, wrong client" moments

Create a payment link in just a few taps, share it through any channel or embed it in your invoices, and watch your payments accelerate threefold. Faster cash flow is just a link away.

Elevate your brand with perfectly tailored invoices featuring custom titles, flexible column layouts, and organized sections. Plus attach crucial documents like T&Cs or purchase orders directly to your emails. Badabing, badaboom.

Yup, we sure did. Speed up quote approvals and track validation progress in real time, right from your business account.

Stop wasting time duplicating and copy-pasting the same invoices month after month. You can now issue and schedule fixed-amount recurring invoices (including direct debit) to automate your invoicing. Plus track their sending and payment in real-time, all in one place.

Billing other businesses? Save time on tedious, first-invoice data entry. Just type in the company name, and let us source the rest from up-to-the-minute public databases. Select, design the invoice, send, and get paid.

With Mastercard Click to Pay you can pay online in seconds - saving your card once for faster, more secure checkouts every time. Simple, seamless, and already enabled on your Qonto cards.

Scan any supplier invoice, no matter how many pages, and Qonto automatically extracts the all details so nothing gets missed. From supplier name to amount, everything is captured in one go—so your invoice is ready to review and pay in seconds. Less manual entry, fewer errors, faster payments.

Our Plus and X cards are now available as deferred debit cards. Spend up to €15,000/month in credit mode and settle in one sweep on the 1st of next month. Cover expenses and seize opportunities without draining your balance. Switch between credit and debit per purchase, all on one card. 0% interest when paid on time.

Available to eligible customers only.

Automate your payment operations with our enhanced Make integration. Verify payees, create SEPA transfers, and retrieve invoices automatically. No more manual data entry—just reliable workflows that connect Qonto to your favorite tools and keep your business running smoothly.

X Card holders can now withdraw up to €5,000 per month. Pay your suppliers in cash when you need to. No additional fees.  

Get the cash you need, when you need it—finance invoices up to €50K instantly, even if your cash flow says ‘no’. Plus, take full control with flexible early repayment options to manage your credit and boost your cash flow.

Getting paid from overseas just got easier. Now, receive up to €500 per inbound international transfer without the €5 fee. More money in your account, every time.

We’ve doubled your SEPA Instant transfer limit. Pay large sums in one go—no more splitting or waiting, just fast, seamless payments.

Set up automated transfers for recurring expenses like monthly salaries or supplier payments. Forget the hassle of manual setups - nothing beats setting it and forgetting it.

No more one-size-fits-all process. Take control of supplier payments with custom, multi-layer approval workflows. Quickly design multi-step approval flows, to make sure each payment passes through the right hands.

We’ve deepened our Wise integration to make global payments even smoother. You can send money to over 130 countries, pay like a local in 30+ currencies, send euros beyond SEPA, and download proof of payment right from Qonto. With over 95% of transfers settled within 24 hours and zero hidden fees, what you see is exactly what you pay.

Add receipts with multiple VAT rates to a single expense report, and Qonto keeps everything structured—so nothing gets lost at reconciliation time. Then export your expense reports in a cleaner format for faster pre‑accounting. Result: quicker reviews, fewer corrections, and a faster handoff to accounting.

One dashboard for all subscription payments. See transactions, get reminders, control team spend. No more surprise charges or forgotten renewals.

Set up custom rules to automatically block team cards after missing receipts. Maintain complete control over your team expenses.

Automate essential treasury tasks like VAT management and cash flow optimization directly from your phone. Set up intelligent “if this, then that” workflows in seconds using ready-to-use templates (or create them from scratch), adjust as needed, and let automations do the rest.