The business account that gets jobs done. Now remunerated.
An online account that means business
Pay and get paid faster
Keep control over team expenses
Make smarter business moves
Business Account & Cards
An online account that means business
Everything you need to handle your day-to-day finance admin with an account that’s remunerated up to 4%* (annual rate).
Invoice Management
Pay and get paid faster
Centralize all your invoices and quotes. Automate how you collect payments and process supplier invoices in 25+ foreign currencies.
Expense & Spend Management
Keep control over team expenses
Control spend before you even start spending. Get full visibility over budgets & team expenses, along with automated receipt reminders.
Cash Flow & Bookkeeping
Make smarter business moves
Get powerful real-time cash flow insights & test business scenarios. Fast-forward bookkeeping with auto receipt matching & accountant access.
Credit card
Access up to €15,000 each month, interest-free when paid on time, to spend while protecting your account balance.
All you need to accept payments, pay and manage transactions seamlessly
Everything for smooth payments
Customer obsessed, every day
Rated & recommended
When it comes to customer service, the reviews and ratings of our 600,000+ clients do the talking for us. We answer our customers in 5 languages, 7 days a week.
Read our reviewsSecure & regulated
Qonto is a licensed Payment Institution so your funds are fully safeguarded by law. Your account and operations are protected by 3D-Secure and Strong Customer Authentication technologies.
Learn about account safetyWhatever your business size, sector, or stage of growth
Open an account in minutes & get the paperwork you need within hours.
Let our account help do your finance admin, so you’ve got more time for what matters to you.
Centralize your invoicing to pay & get paid faster; track your cash flow in real time.
Get 20/20 vision and total control over all your business finances & team spend.
Manage donations, membership fees, and expenses, all in a few clicks.
The Total Economic Impact™ of Qonto
Small businesses are seeing big benefits with Qonto. Read more in this 2025 commissioned study conducted by Forrester Consulting.
€
51,000
in benefits over three years
Including operational, invoicing, expense management & accounting efficiencies.
%
faster daily finance admin
That's over 7 hours of a financial lead's time saved each month.
<6
months
for the net benefits to match the initial investment
Letting you win back time & cost.
“Qonto makes day-to-day business development easy by providing us with very fast responses, almost instantly via chat.”
co-founder of Curecall.
“Qonto helps us grow sustainably. With its simplified, optimized processes, we gain valuable time for our business every day.”
Co-founder of Lotta Ludwigson.
“With Qonto, we can create accounts for each team and assign them a budget. This way, we keep track of all expenses and save time.”
CFO of Morrison Shoes.
“With Qonto, I can add my employees to the account, and my accountant is autonomous. This way, I save time and can focus on my business operations.”
Founder @AF Srl
Accept & make payments with ease
Cards for every need
Mobile Payment Terminal
Tap to pay
Payment Links
Accelerate client payments using invoices with embedded payment links.
Open an account in 10 minutes
We want to protect what’s precious to you as an entrepreneur: your time, energy, and focus. Let Qonto get your finance admin done faster, right from the very first click.
30-day free trial.
*Not a banking or investment product. 4% annual rate for the first 2 months for new clients, then the rates will vary according to the subscribed plan. Minimum of 5 eligible payment transactions per month required. Remuneration is capped and subject to T&C.
