Qonto plans explained: Starter, Basic, Smart, Premium and team plans

Qonto is a French business account with three solo plans, Basic (€9 a month), Smart (€19) and Premium (€39), and three team plans, Essential (€49), Business (€109) and Enterprise (€199), all excluding VAT and billed yearly. In Germany and Italy there is also a free Starter plan; the French pricing page does not show one.

Who can open a Qonto account

Qonto serves companies, freelancers and sole traders registered in eight countries: France, Germany, Italy, Spain, Portugal, Belgium, Austria and the Netherlands. A foreign company must be both registered and headquartered in one of them (France has a narrow exception for some foreign-owned companies). In France and Germany you can also open an account before your company is registered, to deposit the share capital.

Some industries cannot open an account at all, so check Qonto's eligibility page if your activity is regulated.

Qonto's plans at a glance

Prices below are monthly equivalents of a yearly plan, excluding VAT, as shown on Qonto's pricing pages on 27 October 2026. Monthly billing is also available at a higher price; Qonto's help centre says paying yearly saves up to two months' fees.

Every paid plan starts with a one-month free trial.

Starter (€0, Germany and Italy)

Starter is aimed at sole traders and freelancers who need a separate business account and little else. It includes one virtual card, five SEPA transfers a month and invoicing tools. Foreign-currency transfers cost more on Starter than on paid plans (see below).

Basic (€9 a month)

Basic adds a physical card, two virtual cards (more cost €2 a month each) and 30 SEPA transfers a month. It is for one account holder.

Smart (€19 a month)

Smart adds a second user (an admin), a second physical card, 50 virtual cards and 100 transfers a month. It also includes accountant access.

Premium (€39 a month)

Premium keeps two users but raises the transfer allowance to 200 a month, halves the price of extra transfers to €0.10 and lowers the fee on international transfers to 0.56%.

Team plans: Essential, Business and Enterprise

The three team plans allow unlimited team members and differ mainly in the number of physical cards (5, 10 or 30), virtual cards (50 on Essential, unlimited on the other two) and transfers included (250, 500 or 10,000 a month).

International transfers

Transfers in other currencies are charged as a percentage of the amount, with a minimum of €5:

Euro transfers to countries outside the SEPA area cost €5 each.

Cards and fees abroad

Your plan includes Qonto's standard One card. You can upgrade individual cards to Plus (€8 a month) or X (€20 a month). The card, not the plan, decides what you pay when you spend in another currency:

Qonto's help pages give the per-withdrawal fee as €2 in Italy and €2.40 in Germany, so check the help centre for your country. Payments in euros carry no FX fee on any card.

If your team pays suppliers or travels outside the euro area often, the card upgrade can matter more than the plan itself.

Is your money protected?

Qonto SA is a payment institution authorised by the French regulator, the ACPR (no. 16958), not a bank. Client money is kept separate from Qonto's own funds and safeguarded at partner banks, including Crédit Mutuel Arkéa, Natixis, Société Générale and Rothschild Martin Maurel. Qonto applied for a French banking licence in 2025; until a licence is granted, the safeguarding rules for payment institutions apply rather than a standard deposit guarantee on your balance. Read is my money safe in a neo bank? for how the two kinds of protection differ. For how the safeguarding works in practice and what the €100,000 FGDR cover does and does not protect, see is Qonto safe?.

Which plan fits?

1. Freelancer with few payments, in Germany or Italy: Starter may be enough if five transfers a month and a virtual card cover your needs.
2. Freelancer who needs a physical card: compare Basic with Smart. Smart adds accountant access, a second user and far more transfers.
3. Regular foreign-currency transfers: Premium's 0.56% rate can offset its higher price; work out your monthly volume first.
4. A team of three or more: the team plans include unlimited users; on solo plans each extra admin costs extra.
5. Frequent card spending outside the euro area: look at the Plus or X card as well as the plan.

Prices, allowances and the Starter plan differ by country, so always check the pricing page for the country where your business is registered.

See Qonto's full profile, compare it with the UK's Tide in online business accounts for freelancers and small businesses, or use the comparison table for France.

Sources

• Qonto: Pricing (English)
• Qonto: Pricing (Germany)
• Qonto: Tarifs (France)
• Qonto: Piani e tariffe (Italy)
• Qonto help centre: What are the costs of my Qonto subscription and fees?
• Qonto help centre: What are the different Qonto cards?
• Qonto help centre: Can I use my Qonto card abroad? (Italy)
• Qonto help centre: Can any organization open a Qonto account?
• Qonto help centre: How are my funds protected?
• Qonto Legal Center
• Fintech Futures: Qonto applies for French banking licence with ACPR

Prices and features checked on 27 October 2026.

This guide is general information, not financial advice. Fees, features and availability change, so check the provider's own website before you apply. Read how we compare providers and our affiliate disclosure.