Create sub-accounts with dedicated IBANs to filter your spend by team, by project or by expense category.
Boss your expenses, directly from your account
Efficient finance management that lightens your daily workload. Run your business spending at a glance, wherever you are.
Make team spend management fast, easy & accountable
Simplify finance management with business team accounts
Delegate finance safely to your teams
Customize permissions for each user
Make your teams more efficient and autonomous with our customized roles: Admin, Manager & Employee.
Configure each individual role
Set personalized payment limits and give managers rights to approve their own teams’ spending requests.
Approve when on the move
Keep full control over business expenses on-the-go with a simple, efficient approval flow.
Business spend management that works for you
Manage budgets with multi-accounts
Make business travel smoother
Streamline your teams’ business travel expenses with tailored payment methods and well-defined limits.
Digitize your business expenses
No more chasing up missing paper receipts; collect them automatically with a photo from your smartphone.
Trusted by 350,000 companies
We have several bank cards today and at any time on the application I can block a card and unblock it. Everything is set up according to need, I know who paid how much at what time."
Thomas Kowalczyk —
CEO at Ent.Kow
With Qonto, there is something for everyone
CEO/Business Owner
Free yourself from administrative tasks while keeping control of your finances
CFO
Enjoy greater visibility over your finances by optimizing payment tracking and team budget management
Office Manager
Purchase independently on your company's behalf, so you can focus on well-being at work
Team Manager
Gain efficiency and independence by directly managing your team's finances and payment cards
Employee
No more expense reports! Safely spend company money on the job without ever having to pay from your own pocket
Accountant
Boost efficiency by accessing your clients' accounts at any time and exporting transactions, receipts, labels and VAT directly into your accounting tools
Qonto, the all-in-one current account to manage all your finances
A complete business account
Benefit from a digital and transparent business account with an unlimited and real-time transaction history.
All the payment methods you need
Cards, instant SEPA transfers, direct debits, mobile payments with Apple Pay and Google Pay... and much more!
Save 4 hours per month on your bookkeeping
Automate your bookkeeping process. Because, after all, who likes paper receipts and manual reconciliation?
Open an account now
Open a business account with Qonto.
We'll help you switch accounts with minimum fuss.
Frequently Asked Questions
How do we certify digitized receipts?
Probative value certification guarantees that your digital receipts hold the same value as the paper originals once you submit them on Qonto.
In the event of an audit, you will be able to provide authenticated digital receipts and invoices to allow the relevant authorities.
How does it work?
You just made a new purchase? Grab your phone and attach a picture of your payment receipt to this new transaction.
Once you've taken the picture, your receipt gets certified: thanks to our expert partner, we automatically create an electronic signature and a digital stamp. You'll also be able to get the exact date and time of the certification.
After the receipt is certified, we store it according to the European eIDAS regulation. The document is then secure and available for an unlimited time. In the event of an audit, you can find it at any time and easily by exporting your transactions.