• Software Categories
    View All
  • Company
    About UsVendors

    • Get 1-on-1 advice in 15 minutes. It's free.

    Start Now
    Advisor's headshot
Software Advice Logo
Home

/

Financial Services Software

/

Qonto

Software Advice offers objective insights based on verified user reviews and independent product and market research. When our advisors match you to a software provider, we may earn a referral fee.
Overview
ReviewsAlternatives
Qonto

Qonto 2026: Benefits, Features & Pricing

On this page
  • Overview
  • User Interface
  • Popular Alternatives
  • Pricing and Plans
  • Features
  • Integrations
  • User Reviews
  • Popular Comparisons

Overview

Qonto
Qonto
4.5
(229)

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.

Wondering if Qonto is right for your organization?

Our Financial Services Software selection experts can help you in 15 minutes or less.

Software Advice Logo

Qonto User Interface

0
0
1
2
3
4
5

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
Read More

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
Read More

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
Read More

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
Read More
Advisor Get Price CTA Image

Confused about pricing? We've got you covered.

Get a personalized pricing breakdown tailored to your specific needs—no guesswork, no generic estimates.

Qonto Features

  • Popular features found in Financial Services
    Billing & Invoicing
    Financial Management
    For Financial Institutions
    Reporting/Analytics
    Risk Management
    Transaction Monitoring
  • 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
    Expense Tracking
    Fraud Detection
    Investment Banking
    Invoice Management
    Monitoring
    Multi-Currency
    Online Banking
    Real-Time Data
    Real-Time Monitoring
    Real-Time Notifications
    Reporting & Statistics
    Secure Login
    Securities Management
    Transaction History
    Two-Factor Authentication
    User Management

Qonto Integrations

Payfit
Payfit
AssoConnect
AssoConnect
Zapier
Zapier
Sellsy
Sellsy
Slack
Slack
Axonaut
Axonaut

See all 12 integrations

Qonto User Reviews

Overall Rating

4.5

Ratings Breakdown

5

80%

4

8%

3

1%

2

3%

1

7%

Secondary Ratings

Ease of Use

4.7

Value for money

4.3

Customer support

4.4

Functionality

4.5

AC
Alain C.

Verified reviewer

Transportation/ Trucking/ Railroad

Self-Employed

Used daily for more than 2 years

Reviewed February 2026

Excellent, super banque pro en ligne

5

J'utilise Qonto à 99 % à partir de mon téléphone et cette application est vraiment très pratique pour les virements, le suivi d'encaissement des factures...etc

Ratings Breakdown

5
Ease of use
5
Value for money
5
Customer support
5
Functionality
icon
Pros:
Service client très professionnel J'utilise le service de facturation et c'est très bien, très adapté pour un suivi de la trésorerie
Cons:
Aucune remarque particulière, toutes les fonctionnalités de l'application sont parfaites et m'aide énormément dans mon quotidien

Reasons for switching to Qonto

Offre globale : banque en ligne système de facturation

Read More

JP
Jean max P.

Verified reviewer

Arts and Crafts

Self-Employed

Used weekly for less than 12 months

Reviewed January 2026

Services et soutien sans faille

5

En statut de micro entreprise avec une comptabilité simplifiée les service Qonto me conviennent parfaitement.

Ratings Breakdown

5
Ease of use
5
Value for money
5
Customer support
5
Functionality
icon
Pros:
La connection clients devis facturation qui facilite la vie de l'entrepreneur, surtout quand on est dans la création. Perfait pour se consacrer au mieux à son corps de metier . Je recommande cette banque.
Cons:
Pas d'inconvénients à mon sens pour le moment car je suis en micro comptabilite qui donne entière satisfaction, sauf si assujetti a la TVA il faut prendre des options supplementaires

Reasons for switching to Qonto

Clareté d'utilisation et facilité de cheminement

Read More

AG
Aurélie G.

Verified reviewer

Marketing and Advertising

Self-Employed

Used weekly for less than 2 years

Reviewed February 2026

très bon service mais augmentation du prix de l'abonnement non justifié

5

Ratings Breakdown

5
Ease of use
1
Value for money
5
Customer support
4
Functionality
icon
Pros:
facile d'utilisation, rapide et efficace. Service client disponible Je ne peux me prononcer pour une société qui a une entreprise avec beaucoup d'activité.
Cons:
augmentation du prix conséquente qui ne se justifie pas pour l'exploitation que je fais de ce logiciel au vu de mon activité.

Reasons for choosing Qonto

meilleure ergonomie, plus facile d'utilisation

Read More

iM
isabelle M.

Verified reviewer

Individual & Family Services

Self-Employed

Used weekly for less than 6 months

Reviewed February 2026

A recommandé sans hésitation

5

Tout est fait pour que ce soit simple. Même quand j'ai eu des questions que j'ai posé sur le chat, on m'a répondu immédiatement.

Ratings Breakdown

5
Ease of use
5
Value for money
5
Customer support
5
Functionality
icon
Pros:
Tout est facilité, ouverture de compte, création des factures, vérification des paiements, réception de la carte bleue, choix u code... il n'y a pour le moment que des avantages.
Cons:
Aucun pour le moment, je découvre depuis quelques mois et je n'ai pas eu de souci particulier. Peux etre la personnalisation des factures mais c'est un léger détail.

Reasons for choosing Qonto

plus simple d'approche, plus professionnel, et publicité qui rassure

Read More

TB
THOMAS B.

Verified reviewer

Machinery

Self-Employed

Used daily for more than 2 years

Reviewed February 2026

CONTO QONTO RECENSIONE

5

MI SONO TROVATO MOLTO BENE PER QUELLO CHE UTILIZZO DOVREI SFRUTTATLO DI PIU MA DIPENDE DA ME, DOVREI APPROFONDIRE DI PIU' L'UTILIZZO

Ratings Breakdown

5
Ease of use
3
Value for money
4
Customer support
5
Functionality
icon
Pros:
MOLTO PARATICO E FUNZIONALE, collegando anche altri conti aziendali un un unica app permette di tenero sotto controllo tutti i conti contemporaneamente
Cons:
FORSE IL PREZZO MENSILE NON PROPRIO ECONOMICO, PER CHI MANGARI NON LO SFRUTTA A PIENO COME CONTO CORRENTE.

Read More

BF
Bertrand F.

Verified reviewer

Professional Training & Coaching

Self-Employed

Used daily for more than 2 years

Reviewed February 2026

Early adopter jamais déçu

4

Entrepreneur indépendant, je fais de Qonto un usage très ponctuel mais régulier dans le cadre de mes dépenses de fonctionnement. Comme ce n’est pas mon core business, je ne veux surtout pas perdre de temps et en cela, je suis très satisfait.

Ratings Breakdown

5
Ease of use
5
Value for money
5
Functionality
icon
Pros:
Facilité et intuitivité des interfaces, fiabilité et disponibilité des services. Bienvenue dans une banque pure player vraiment user centric.
Cons:
Rien de particulier dans le cadre de mes usages basiques qui ne sont pas pollués de complexité tant fonctionnalités que sûreté.

Read More

QE
QUIRICO E.

Verified reviewer

Outsourcing/ Offshoring

2-10 employees

Used daily for less than 2 years

Reviewed January 2026

Servizi Completi

5

Sono Molto soddisfatto riesco a gestire molto bene le varie attività. Applicazione molto funzionale.

Ratings Breakdown

5
Ease of use
5
Value for money
5
Customer support
5
Functionality
icon
Pros:
Disponibilità operatori e gamma di servizi top. Facilità dell'utilizzo dell'applicazione. Costi molto limitati.
Cons:
Dover confermare identità di continuo. Già 3 volte negli ultimi 4 mesi. Ancora richiesto nel mese in corso.

Reasons for choosing Qonto

Rapporto Migliore qualità prezzo e utilità

Read More

RC
Raffaele C.

Verified reviewer

Computer Networking

Self-Employed

Used weekly for more than 2 years

Reviewed January 2026

Esperienza diretta

5

Tranne qualche problema con PagoPa, come precedentemente indicato in precedenza. In generale è funzionale.

Ratings Breakdown

5
Ease of use
4
Value for money
5
Customer support
5
Functionality
icon
Pros:
Abbastanza fluido nelle operazioni. Qualche volta ho riscontrato problemi in operazioni effettuate e ho dovuto risolvere in altri modi.
Cons:
Poco tempo fa ho notato che PagoPa verso alcune società non vanno a buon fine e non mi è stato chiaro se sia trattato di problema momentaneo o perenne. Se in futuro si ripresenta contatto assistenza.

Read More

IT
Isla T.

Verified reviewer

Translation and Localization

Self-Employed

Used daily for less than 12 months

Reviewed February 2026

Un package très efficace compte + outil de gestion

5

Une très bonne surprise quand j'ai ouvert mon compte en tant qu'EI : Qonto propose de multiples fonctionnalités et outils de pilotage qui permettent de tout centraliser. Un vrai gain de temps !

Ratings Breakdown

5
Ease of use
5
Value for money
5
Customer support
5
Functionality
icon
Pros:
L'outil de gestion intégré, très complet et très facile à prendre en main. La fonctionnalité d'envoi par courriel des devis et factures. Les formalités de création de mon auto-entreprise en 20 minutes, un bonheur !
Cons:
Le manque d'options de formatage dans les devis et les factures : gras, italique, etc. Pour le reste, RAS.

Read More

ns
nicolas s.

Verified reviewer

Architecture & Planning

2-10 employees

Used daily for more than 2 years

Reviewed January 2026

trés bon logiciel

5

Ratings Breakdown

5
Ease of use
5
Value for money
3
Customer support
5
Functionality
icon
Pros:
L'accessibilité, la facilité d'utilisation et la multitude d'opérations réalisables sur le logiciel me permettent de gérer mes sociétés très simplement
Cons:
le transfert des relevés mensuel pour le comptable en format ofx est un aspect que j'apprécie moins sur ce logiciel

Read More

Showing 1 - 10 of 229 Reviews
See All Reviews

Qonto Popular Comparisons

Metaprise
Metaprise vs Qonto
Plaid
Plaid vs Qonto
Revolut Business
Revolut Business vs Qonto
Compare All Alternatives

Other Top Recommended Financial Services Software

Sage Intacct
Sage Intacct

4.3 (598)

Recently recommended 10 times

SAP S/4HANA Cloud
SAP S/4HANA Cloud

4.3 (355)

Recently recommended 5 times

PayPal
PayPal

4.6 (26225)

Recently recommended 0 times

Acuity Scheduling
Acuity Scheduling

4.8 (5737)

Recently recommended 0 times

Advisor Get Price CTA Image

Stuck Between Options?

Our experts can help you compare Qonto with other top options, so you can find the best fit for your needs.

See what companies are saying about Software Advice