Qonto

Qonto is a European online business account designed for SMEs, offering a comprehensive suite of finance tools in one place. It provides cards, invoicing, expense management, real-time cash flow insights, multi-currency payments, and seamless integrations to streamline day-to-day finance administration. As a regulated payment institution in France, Qonto emphasizes fast onboarding, transparency in pricing, and support across multiple languages for teams and accountants.

• All-in-one online business account with physical and virtual cards
• Invoicing, accounts payable/receivable, and auto-receipt matching
• Real-time cash flow insights and scenario planning
• 25+ currencies and cross-border payments via Wise
• SEPA transfers, international transfers, and multi-channel payment methods
• Payment links, Tap to Pay, and POS terminals for faster payments
• Auto expense management, budgets, and employee spend control
• Accountant access, bookkeeping tools, and extensive integrations
• 7-day-a-week multilingual customer support
• Account remuneration up to 4% AER on balances

• Quick onboarding: open an account in minutes and start handling finances immediately
• Remuneration: earn up to 4% AER on active balances
• Comprehensive SME tooling: invoicing, spending controls, cash flow forecasting, and bookkeeping in one platform
• Transparent pricing with scalable plans and optional add-ons
• European-regulated and EU-focused: secure funds, with strong compliance and support across Europe
• Strong support ecosystem: dedicated accountant access and integrations with common accounting tools

Plans (excl. VAT):

• Basic: €9/month; 1-month free trial; 1 account; 30 transfers/month; Account Remuneration; One Card included
• Smart: €19/month; 1-month free trial; 1 account + 1 sub-account; 60 transfers/month; 4% remuneration (then 1%); Card options available
• Premium: €39/month; 1-month free trial; 1 account + 4 sub-accounts; 100 transfers/month; 4% remuneration (then 1%); Priority support Add-ons (monthly/annual pricing):
• Accounts Receivable Plus: €45/month (monthly) or €35/month (annual)
• Cash Flow Management Plus: €35/month (monthly) or €29/month (annual) Additional notes: First €1,000 paid via payment links is fee-free; plans include 7-day-a-week support and varying degrees of automation and integrations.