Invest your business cash surplus. No fuss. Just guaranteed returns.

Grow your business' cash surplus with flexible investments. Open a business savings account in just a few clicks and manage what you invest directly through Qonto.

A business savings account that's stable and secure.


Secured funds

100% online

Term Deposits: know exactly how much you'll earn. In advance.

Your yield is guaranteed

Define the length of time you want to invest your money. Your interest rate is fixed according to that duration, for the whole deposit period. So you always know what your business savings account will yield.

Your patience reaps rewards

The longer the investment period, the higher the interest rate. You can open several Term Deposit accounts for a completely customized strategy that keeps your cash growing.

You retain access to your funds

If you need your money before the end of your fixed term, you can withdraw it within 31 days with no added fee.

Open and manage your Term Deposit in just a few clicks


Define the amount and the time period


Start growing your cash


Manage your investment from your Qonto app

Make the most of our partners' expertise

My Money Bank

My Money Bank is our banking partner and is a French credit institution certified by the ACPR.


Cashbee is our technical partner and simplifies the process for opening a My Money Bank Term Deposit account. Cashbee is certified as a payment institution by the ACPR and as a banking and insurance broker by ORIAS.

Qonto, the all-in-one account for your finances

A complete business account.

Enjoy a transparent online business account. With all the payment methods you need.

The payment methods you need day to day.

Payment cards, transfers, direct debits, mobile payments with Apple Pay and Google Pay...and many more besides.

Fly through admin. Breeze through accounting.

Automate your bookkeeping. Because nobody likes managing paper receipts.

Ready for faster finances?

Open a business account with Qonto. We'll even help you switch your accounts.