Turn your 2026 ambitions into action

Invite team members by email and assign them roles that match their responsibilities: Admin for full account control, Manager for approvals and oversight, Employee for day-to-day spending, or Accountant for read-only financial access.

Determine what each team member can see and do in Qonto, like viewing account balances, making transfers, ordering cards, exporting data, or managing other users. Our preset roles cover most needs - customize only what your business demands.

Group team members into departments like Sales, Marketing, or Operations to track spending by team. This makes it easy to answer questions like "How much did Marketing spend last quarter?" and identify cost centers quickly.

Issue physical cards for in-person purchases (delivered in 3-5 business days) or instant virtual cards for online spending. Each card comes with customizable limits and category restrictions. Your team gets spending power, you keep overall control.

Automatically sync team members from your HRIS system to Qonto. When someone joins or leaves your company, their Qonto access updates automatically. This saves time and reduces manual errors.

Effective delegation allows companies to generate up to 33% more revenue. Where to begin? Meet the Manager role.

Let team members initiate transfers while you maintain approval control. Save time and delegate efficiently without losing oversight.

See how Colibid has simplified its expense management operations and increased efficiency with customizable cards and team permissions.

Get your free corporate expense policy template to take control of team expenses and set clear spending rules.

Define monthly spending caps and per-transaction limits for each card. For example: €2,000 monthly budget with €500 maximum per purchase. Adjust limits at any time as your team's needs evolve.

Control where team members can spend by blocking or allowing specific merchant categories. Disable ATM withdrawals, restrict restaurant spending, or limit cards to specific categories like software subscriptions, travel, or office supplies.

Set your business up to require manager approval for purchases above a certain amount or for sensitive spending categories. Create multi-level approvals for large expenses. Let managers approve or decline - all trackable in real-time.

Pause cards when not in use, freeze them if lost or stolen, or update spending limits as you go. All changes take effect immediately. Team members can request limit increases, which you approve or decline with one click.

View every transaction as it happens, organized by team member, department, or project. Export spending reports filtered by timeframe, person, or category. Spot unusual patterns before they become problems.

Discover how Flash cards simplify expense management for businesses by providing better control and flexibility for one-off purchases.

See how PNY streamlined expense management for their growing team with smart spending controls across multiple restaurant locations.

Learn five practical strategies to reduce time spent on expense management and approval workflows, including clear policies and automated receipts.

Complete guide to optimizing every Euro with solid spend management. Tips and tricks for crafting a winning process that controls outgoings.

See your projected cash position for the next 4 years based on your historical patterns and upcoming transactions. Understand your runway, plan for growth, and avoid cash crunches. Model different scenarios to stress-test your finances.

Aggregate all your business accounts - other banks, savings accounts, payment processors - in one dashboard. See your complete financial position without logging into multiple platforms. Track cash across your entire business automatically.

Categorize a few transactions manually by type (payroll, software, marketing, etc.). Qonto learns your patterns and auto-categorizes future transactions from the same vendors. Get clean financial data without manual tagging every month.

Model different business outcomes: hiring two people, landing a big contract, losing a client, or cutting costs by 20%. See how each scenario impacts your runway and cash position. Make strategic decisions backed by data, not guesswork.

Already have a financial model in Google Sheets? Connect it to Qonto! Your forecasts pull from your sheet automatically, and feed in actual spending/revenue data. Your model stays updated in real-time without manual data entry.

Connect your Gmail inbox, WhatsApp, or supplier accounts like Amazon and Google Ads. Qonto automatically detects invoices, imports them, and attaches them to the matching transactions. No more forwarding PDFs or saving files manually.

Every time a team member uses their company card, Qonto prompts them to upload the receipt via mobile app or email. Receipts are automatically matched to the correct transaction. No more chasing people for receipts at month-end.

Grant your accountant read-only access to all transactions, receipts, invoices and exports. Let them view everything they need without you having to download CSVs or share passwords. They can't move money or change settings: total vision, zero risk.

Direct integration with Cegid, MyUnisoft, Sage, ACD, and 40+ other tools. Transactions, receipts and VAT data sync automatically. Your accountant gets everything formatted correctly, with no manual imports.

Create custom export templates with the exact columns, date formats, and categories your accountant needs. One click generates the file in their preferred format.

Learn how to eliminate administrative chaos with automated invoice and receipt collection through mobile capture, cloud storage, and AI intelligence.

Practical tips to save hours each week by optimizing your financial admin and expense workflows through smart automation and digital tools.

See how Diana Yanes automated accounting prep and saved hours every month as a solopreneur consultant with streamlined document management.

Complete guide including required content, types of expenses, fraud prevention, policy compliance, and automation benefits for businesses.

Connect business accounts from other banks, credit cards, savings accounts, and 4,500+ financial institutions. See your complete cash position across every account in one dashboard. Track money flowing in and out of your entire business ecosystem.

Connect Stripe and retrieve payouts from PayPal and other payment platforms directly in Qonto. Centralize all revenue streams, track payments, and simplify reconciliation with automated matching where supported.

Sync with Cegid, MyUnisoft, Sage, ACD, and 40+ other accounting platforms. Transactions, receipts, and VAT data flow automatically. Your books stay updated without manual data entry.

Connect your HR platform to automatically invite new team members to Qonto when they join your company and revoke access when they leave. Reduces manual admin and ensures access is always up-to-date with your current team roster.

Design professional invoices with your logo, brand colors, custom payment terms and legal disclaimers. Add your company registration number, VAT ID and bank details. Templates save automatically: re-use them without re-building from scratch.

Create and add payment links on every invoice. Clients click on Pay and complete payment via bank transfer or card instantly. Businesses using payment links get paid 3x faster than those sending traditional invoices with just bank details.

Schedule automatic follow-ups for overdue invoices. Qonto sends polite reminders on your behalf at intervals you define (e.g. 7 days overdue, 14 days overdue, 30 days overdue). No more manual tracking of who owes you money and when to follow up.

Automate invoicing for subscription-based services or retainer clients. Set the amount, frequency (monthly, quarterly, annually), and Qonto generates and sends invoices automatically. Perfect for SaaS businesses or consultants with retainers.

Bill your clients incrementally throughout a project lifecycle instead of full payment upfront. Create partial invoices based on specific amounts or percentages of the total, link them to quotes, and track progress - perfect for milestone-based work.