Embed banking, unlock revenue

Embedded banking allows you to integrate financial services directly into your platform through APIs. Qonto provides RESTful APIs for account creation, payments, cards, and transaction management, with OAuth2.0 authentication and webhooks for real-time updates.

With our developer-friendly documentation and sandbox environment, most platforms can complete basic integration within two to four weeks. We provide step-by-step guides, sample code, and dedicated technical support throughout the process.

Qonto is in charge of answering all banking-related questions. If customers reach out to you directly, you only need to forward the request to our customer support, available 24/7.

Yes, you can create a sandbox account via our Developer portal.

There are no costs for you besides the work of your team. Qonto does not bill setup or monthly fix fees. Customers pay the Qonto subscription that suits them. Qonto Embed partners receive a % of Qonto’s Monthly Recurring Revenue.

Qonto Embed Partners get a new revenue line through usage of accounts, cards and financial tools - Qonto shares a % of the Monthly Recurring Revenue, so the value of each customer increases as they activate features and carry out transactions.

Yes, Qonto's API services are available in our eight European markets: France, Germany, Italy, Spain, Portugal, the Netherlands, Belgium, and Austria.

Qonto maintains bank-grade security with PSD2 compliance, strong customer authentication (SCA), and GDPR compliance. All API communications are encrypted and we provide robust authentication mechanisms.

Yes, thanks to Qonto’s CaaS (Card as a Service) offering, partners can add their logo onto Qonto card designs.

Yes. You can co-brand cards with your logo, colors and custom design. We also provide a library of UI components (transaction lists, transfer flows, etc.) that you can fully customize—colors, fonts and layouts—to match your app's look and feel. Qonto remains visible as "Powered by Qonto" to build trust, while your brand stays front and center.

You can open a sandbox account right now via Qonto’s developer portal. You will also need to talk to our sales lead to sign a contract: book a meeting in his calendar.