Qonto 2026: Benefits, Features & Pricing

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On this page

Overview
Pricing and Plans
Features
Integrations
User Reviews

Overview

Qonto

4.5

(211)

Pricing

Starting at €9.00 per month

About Qonto

💡 With an innovative product, highly responsive 7/7 customer service and clear pricing, Qonto has become the European leader in its category.

Get started with a powerful Business Account for all your everyday banking needs.

Local IBANs (🇫🇷 French IBAN / 🇩🇪 German IBAN / 🇮🇹 Italian IBAN / 🇪🇸 Spanish IBAN)
Payment cards: spend up to €200,000/month. No hidden costs. Pay online, in-store, and abroad, whatever the situation, our range of free and premium corporate cards included in your subscription has got you covered.
Transfers: flexible payment methods - from Instant SEPA to SWIFT - so you can pay, and get paid, faster.
Transactions: unlimited history and real-time notifications.
Financing: easy access to integrated financing options.

Then, leverage our Financial tools to keep track of your account.

Invoice management: centralize invoices & receipts in one place, get paid faster & automate your outgoing payments.
Spend management: control team spending with budgets, automatic receipt collection & tailored access.
Bookkeeping: collaborate seamlessly with your accountant, connecting to our suite of tools, and get a full, real-time cash flow overview.

Qonto Screenshots

Qonto Pricing and Plans

Starting price: €9.00 per month

Free Trial

Free Version

Basic

€9.00

flat rate, per month

Plan includes:

1 x One Card Mastercard with €20,000/month payment limit
30 transfers or direct debits/month
1 account
7-day-a-week support
14,000+ partner integrations
Client invoice creation
Supplier invoice centralization & payment

Smart

€19.00

flat rate, per month

Plan includes:

1 x One Card Mastercard + 50 virtual cards/month
60 transfers or direct debits/month
1 account + 1 sub-account
7-day-a-week support
14,000+ exclusive integrations
Client invoice creation
Supplier invoice centralization & payment
Supplier management
Digitized & certified receipts
Advanced dashboard

Premium

€39.00

flat rate, per month

Plan includes:

1 x One Card Mastercard + 50 virtual cards/month
100 transfers or direct debits/month
1 account + 4 sub-accounts
Priority 7-day-a-week support
14,000+ exclusive integrations
Client invoice creation
Supplier invoice centralization & payment
Supplier management
Digitized & certified receipts
Advanced dashboard

Essential

€49.00

flat rate, per month

Plan includes:

2 x One Card business Mastercards + 50 virtual cards
150 transfers or direct debits/month
Unlimited team members + Accountant access
1 account + 4 sub-accounts
14,000+ exclusive partner integrations
7-day-a-week support
Access to financing offers
Account Payable & Receivable tools
Automated bookkeeping tools

Business

€99.00

flat rate, per month

Plan includes:

10 x One Card business Mastercards + 50 virtual cards
500 transfers or direct debits/month
Unlimited team members + Accountant access
1 account + 9 sub-accounts
14,000+ exclusive partner integrations
Priority 7-day-a-week support
Manager role
Expense management tools
Account Payable & Receivable tools
Access to financing offers

Enterprise

€199.00

flat rate, per month

Plan includes:

30 x One Card business Mastercards + 50 virtual cards
1,000 transfers or direct debits/month
Unlimited team members + Accountant access
1 account + 24 sub-accounts
14,000+ exclusive partner integrations
Priority 7-day-a-week support
Manager role
Expense management tools
Account Payable & Receivable tools
Access to financing offers

Confused about pricing? We've got you covered.

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Qonto Features

Popular features found in Financial Reporting
Bank Reconciliation
Billing & Invoicing
Cash Management
Consolidation/Roll-Up
Data Import/Export
Expense Tracking
Financial Analysis
Multi-Currency
Reporting/Analytics
More features of Qonto
Accounting
Activity Dashboard
API
ATM Management
Cash Flow Management
Compliance Management
Core Banking
Corporate Banking
Corporate Card
Customer Experience Management
Document Storage
Financial Management
Fraud Detection
Investment Banking
Invoice Management
Monitoring
Online Banking
Real-Time Data
Real-Time Monitoring
Real-Time Notifications
Reporting & Statistics
Secure Login
Securities Management
Transaction History
Transaction Monitoring
Two-Factor Authentication
User Management

Qonto Integrations

Payfit

AssoConnect

Zapier

Sellsy

Slack

Axonaut

See all 12 integrations

Qonto User Reviews

Overall Rating

4.5

Ratings Breakdown

80%

Secondary Ratings

Ease of Use

4.7

Value for money

4.3

Customer support

4.4

Functionality

4.5

Shimon Felix W.

Verified reviewer

Marketing and Advertising

Self-Employed

Used daily for less than 2 years

Review source

Reviewed December 2025

Qonto is my personal choice for business banking

I would reccommend Qonto wholeheartedly to any entrepreneur who wants a reliable online banking business account.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

The user experience is way better than with Wise or Getpenta. The interface is clean, intuitive, and well designed. Daily banking tasks are fast, reliable, and feel very professional.

Cons:

Not much. Some advanced features could be explained a bit better for new users, and pricing details may require a second look at first, but overall nothing major or problematic.

Reasons for switching to Qonto

Both banks either closed my business account for no reason (inactivity) or because they closed down.

Maxime S.

Verified reviewer

Professional Training & Coaching

Self-Employed

Used weekly for less than 12 months

Reviewed December 2025

Un espace vraiment chouette !

Je suis fan du design, de l'ergonomie. Tout est simple en fait, même la newsletter est super intéressante pour apprendre des choses.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

J'ai vraiment apprécié la facilité de création de compte, limpide, claire et on pouvait reprendre à chaque étape. Même la réception de la carte one était rapide et elle est arrivée même avant les délais. La facilité de l'interface de manière générale est ergonomique ! J'aime bien la possibilité de quasiment tout gérer depuis 1 seul espace (factures, compta etc...)

Cons:

Honnêtement, tout est correct. C'est bien l'un des rares logiciels où j'ai tout apprécié car l'ensemble des fonctionnalités sont faciles d'utilisation.

Reasons for switching to Qonto

Car ce n'était pas mon compte pro directement. Faire les liens entre les outils me prenait la tête, c'était un abonnement de plus alors que Qonto a (déjà) tout.

Cameron M.

Verified reviewer

Restaurants

2-10 employees

Used daily for less than 2 years

Reviewed October 2025

Beautiful interface hiding unreliable systems and poor dispute management

At first I was enthusiastic and moved my three companies to Qonto — it looked like the ideal digital bank for entrepreneurs. But after spending hours fixing sync errors, chasing lost invoices, and dealing with unresponsive support, I can’t rely on Qonto as a professional banking solution. The app’s polish hides structural weaknesses and an unprofessional attitude in handling complex cases.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

The interface is beautiful and fluid — one of the most elegant neobank apps on the market. Daily tasks like viewing balances, sending payments, and managing cards are pleasant and intuitive. It’s also one of the few French fintechs that accepts U.S. citizens, which was a major advantage for my professional use.

Cons:

Behind the design, the system is unstable. Synchronisation with tools like Pennylane is glitchy: forwarded invoices sometimes vanish with no trace, creating a double workload instead of automation. Beneficiary and supplier management feels like a half-finished rollout. Customer support is polite when things go smoothly but tends to disappear when a real problem arises — promised callbacks never come, and difficult issues are avoided. It feels immature for a product serving business owners. Learning Curve: Easy; the app is well designed. Security: Good authentication, but poor incident handling. Value for Money: Reasonable if everything works; otherwise frustrating. Banking & Payment Processing: Fine for simple use, unreliable for complex cases. Features: Attractive but buggy integrations. Team Management: Limited; not robust enough for multi-user businesses.

Reasons for choosing Qonto

I thought it looked professional and efficient.

Stéphanie L.

Verified reviewer

Wine and Spirits

Self-Employed

Used daily for less than 2 years

Reviewed January 2026

Un super banque pro en ligne

Cliente satisfaite pour mon utilisation actuelle ! J'aurais aimé pouvoir émettre des factures en TTC mais je ne doute pas que cela viendra. Le service client est toujours disponible et me répond rapidement. La plateforme est facile d'utilisation.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Banque en ligne simple d'utilisation, site et application mobile ergonomiques. Je trouve facilement réponses à mes questions quand j'en ai, service client très disponible et réactif.

Cons:

La facturation clients n'est pas encore au point pour la vente aux particuliers (entrer les données au format TTC VS HT - les arrondis ne se font pas correctement).

Reasons for choosing Qonto

Car vous proposiez une banque pro en ligne + un logiciel de facturation et le forfait me paraissait intéressant

Hugo G.

Verified reviewer

Events Services

2-10 employees

Used weekly for less than 2 years

Review source

Reviewed April 2025

Very good bank for business

Pleased with the product, invoicing works well, easy to integrate with other third parties, maybe the pricing per user is too expensive though

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

perfect UI, perfect API, a lot of new features to make a all in one solution for bank and invoicing for small and medium company

Cons:

nothing much really, keep the good work.

Miguel G.

Verified reviewer

Venture Capital & Private Equity

11-50 employees

Used weekly for less than 2 years

Review source

Reviewed May 2025

A must to save time

Great experience. A significant 90%-10% move when doing the accounting. Way easier and faster, a must.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Amazingly nice user experience and integrations for expense management. It reconciliates expenses seamlessly

Cons:

Some invoices are still not properly reconciliated and the team needs to take photos, categorize and upload receipts

Francesco L.

Verified reviewer

Writing and Editing

2-10 employees

Used weekly for free trial

Reviewed April 2024

Easy Peasy

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Online platform with every tools needed for a small company.

Cons:

None at the moment, I am satisfied the service

Verified

Reviewer

Internet

2-10 employees

Used daily for less than 12 months

Review source

Reviewed August 2021

Banking as a service never felt so good.

I choose banking as a service to save money; I have a digital company, I minimize my costs and Qonto is a great answer to my needs. Support is efficient, the app is efficient and well secured. It is easy to keep tracks on payment notes, payment delays are quicker than in physical banks and the whole solution is very hepful.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

Among many great thngs, I do love how simple it is to open new bank accounts for the same user account. If you want to have an account for your sales, another for taxes, another for partners, etc, you can do it by yourself, within seconds. If you manage multiple projects and need to know on a regular basis which is profitable or not, you will love it.

Cons:

The only thing I regret is that is impossible to sync Qonto with eshops (Woocommerce & co) or to edit payment links without using another solution. If you want to do that, you will have to also use iZettle or other tools like it.

Reasons for switching to Qonto

I used to hold an account at Revolut Business but when they delocalized in Littuania, they asked to refill documents and illegally rejected official files, freezing our account at the same time. I miss the instant payments but I do need a company who does its job, Revolut stopped doing it, Qonto is doing it well, switching made sense, was easy and I do not regret the decision.

Dineke A.

Verified reviewer

Hospitality

2-10 employees

Used daily for less than 12 months

Review source

Reviewed March 2022

Qonto user

Qonto is making the way we pay our bills very easy.

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

The easy way to use it and the integration with Holded.

Cons:

I would like to have an approval future on the system so my finance team can make payments and I can approve them. I would also like to see that our team manager can see the balance on his card without being an administrator.

Pierre D.

Verified reviewer

Entertainment

2-10 employees

Used weekly for more than 2 years

Review source

Reviewed December 2020

excellent and very dangerouos

all my data disappeared. they apologize but the only solution is to reconstruct everything and pay an additional external service. ridiculously irrespectful and costly

Ratings Breakdown

Ease of use

Value for money

Customer support

Functionality

Pros:

simple interface and good product overall but...

Cons:

no respect for consumers the worst experience in my entrepreneur life

Showing 1 - 10 of 211 Reviews

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