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.

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Make team spend management fast, easy & accountable

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Delegate & keep control

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Stay on top of your spend

Payments made easy

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Connect to other tools

Simplify finance management with business team accounts

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Transparency

Control your budgets with ease: enjoy full visibility and set the rules yourself
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Team spirit

Empower your employees with team budgets and the means of payment they need
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Peace of mind

Worry less about expenses: delegate management to your teams, within the boundaries you set

Delegate finance safely to your teams

Customize permissions for each user

Make your teams more efficient and autonomous with our customized roles. Hide sensitive information.

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.

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See how it works

Business spend management that works for you

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Manage budgets with multi-accounts

Manage budgets with multi-accounts

Create sub-accounts with dedicated IBANs to filter your spend by team, by project or by expense category.
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Make business travel smoother

Make business travel smoother

Streamline your teams’ business travel expenses with tailored payment methods and well-defined limits.
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Digitize your business expenses

Digitize your business expenses

No more chasing up missing paper receipts; collect them automatically with a photo from your smartphone.
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Our customers say it best.

“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
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Loved & trusted. 600,000 times and counting.

With Qonto, there is something for everyone

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CEO/Business Owner
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CEO/Business Owner
Free yourself from administrative tasks while keeping control of your finances
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CFO
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CFO
Enjoy greater visibility over your finances by optimizing payment tracking and team budget management
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Office Manager
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Office Manager
Purchase independently on your company's behalf, so you can focus on well-being at work
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Team Manager
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Team Manager
Gain efficiency and independence by directly managing your team's finances and payment cards
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Employee
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Employee
No more expense reports! Safely spend company money on the job without ever having to pay from your own pocket
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Accountant
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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

A complete business account

Benefit from a digital and transparent business account with an unlimited and real-time transaction history.
Discover the business account
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All the payment methods you need

All the payment methods you need

Cards, instant SEPA transfers, direct debits, mobile payments with Apple Pay and Google Pay... and much more!
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Save 4 hours per month on your bookkeeping

Save 4 hours per month on your bookkeeping

Automate your bookkeeping process. Because, after all, who likes paper receipts and manual reconciliation?
Simplify bookkeeping
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Open an account now

Open a business account with Qonto.
We'll help you switch accounts with minimum fuss.
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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.