Qonto is a business account for freelancers, start-ups and small and medium-sized companies, with cards for the team, invoicing, expense management and bookkeeping tools in one app. Plans are priced per month for self-employed people and for teams. Qonto is a French licensed payment institution, not a bank.
- Business account with physical and virtual cards
- Invoicing, receipts and accountant access built in
- Plans for the self-employed and for teams
- Monthly fee
- Self-employed from €9 · Teams from €49 (excl. VAT, billed yearly)
- Card
- Business cards, physical and virtual
- Transfers included
- 30 to 10,000 per month depending on the plan
- Who can open
- Companies and freelancers registered in France, Germany, Italy or Spain
- Deposit protection
- Safeguarded at partner banks (see below)
Provided by Qonto SA, 18 rue de Navarin, 75009 Paris, France. Payment institution, regulated by Autorité de Contrôle Prudentiel et de Résolution (ACPR), licence/register no. ACPR no. 16958 · RCS Paris 819 489 626. Qonto is a payment institution, not a bank. Client funds are safeguarded in separate accounts at partner banks and are not directly covered by a deposit guarantee scheme. Qonto applied for a French banking licence in 2025.
