Europe’s no. 1 online business account

  1. Open a business bank account with a French IBAN in 10 minutes.

  2. Customer support 24/7.
  3. Physical and virtual Mastercards.
  4. SEPA instant and international transfers.
  5. Unlimited transaction history and real-time notifications.
Try it free for 30 days.
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The business account trusted by 600,000+ SMEs and freelancers

Payment cards to support your business

Physical cards

Physical cards

Enjoy corporate Mastercards included in your subscription.

Cards for every need

Cards for every need

Pay online, in-store, and abroad with physical and virtual cards, with no hidden costs.

The Metal X Card

The Metal X Card

Spend up to €200,000 per month and pay in foreign currencies, commission-free.

Payment methods that get the job done

SEPA transfers

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International transfers

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Check deposit

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Payment terminals

Financing to fuel your business

  1. Get instant funds to finance your invoice payments with Qonto’s own Pay later solution.
  2. Find longer-term, larger sum financing offers through our network of specialist partners.
  3. Enjoy a fast-tracked process: no red tape, no paperwork, no waiting weeks for an answer.

On hand to help

  1. We offer expert support 24/7, by chat, phone, or email.
  2. +10,000 customers have given us 5 stars on Trustpilot.
  3. Our customer satisfaction is among the highest in the banking sector.
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Much more than a business account

Invoice management

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Expense management

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Bookkeeping

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Flexible investments

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The Total Economic Impact™ of Qonto

Small businesses are seeing big benefits with Qonto. Read more in this 2025 commissioned study conducted by Forrester Consulting.

51,000

in benefits over 3 years

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%

faster day-to-day finance admin

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<6

months

for the net benefits to match the initial investment

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Whatever your size, sector, or stage of growth

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Micro-businesses

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SMEs

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Self-employed

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Company Creators

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Creating your own business?

How to open a business account

No need for an appointment. Open your company’s business account online and get your IBAN in around 10 minutes.

Enter your details

Fill out some information on your company and its partners.

We verify your identity

Upload a valid ID online and we’ll perform the necessary checks.

And that’s it - your account’s set up

With your IBAN created, you can order cards and enjoy everything your business account has to offer. For a stress-free switch to Qonto, take advantage of our exclusive account transfer service.

You’re in safe hands

Storage and protection of your data under GDPR and SSL-encryption.

Thanks to 3D-Secure and double authentication.

Deposits covered up to €100,000 by the FGDR.

Qonto is a payment institution, supervised and regulated by the ACPR.

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Experts are on hand, 7 days a week - on chat, email, or phone

Our customers say it best.

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More practical information on opening a business checking account