Qonto — Finance & Accounting

What is Qonto?

Qonto is an all-in-one business account that helps companies manage their finances from a single platform. Instead of juggling multiple banks and tools, Qonto combines account management, invoicing, expense tracking, and payment processing — all in one place.

Who is it for?

Qonto is designed for French and European businesses of all sizes, from micro-entrepreneurs and freelancers to growing teams and established companies (SAS, SASU, SARL, EURL, SCI). It is not meant for personal banking or non-business use. Typical users include founders, finance managers, and accountants who want to streamline financial operations.

Key features and capabilities

Qonto offers instant and deferred Mastercard debit/credit cards with monthly limits up to €200,000, SEPA and global transfers, virtual cards, Apple Pay/Google Pay, and up to 5% remuneration on account balances. It also includes a built-in invoicing tool for unlimited quotes and invoices with payment links, auto-import of supplier invoices, and e-invoicing compliance as a Certified Approved Platform. The AI agents automate repetitive finance tasks, and integrations connect over 2,000 external tools.

Real-world use cases

A growing e-commerce company uses Qonto to issue virtual cards for team members, automate supplier payments, and sync all transactions with their accounting software. A freelance consultant relies on Qonto to send professional invoices with payment links, get paid faster, and track expenses without manual entry. An early-stage startup uses Qonto's company creation feature to set up their legal entity in 24 hours and start managing finances immediately.

• Business Account — Earn up to 5%* on your balance. Pay SEPA and global transfers, use virtual cards, and Apple Pay/Google Pay.
• Invoicing — Create unlimited quotes and invoices with embedded payment links. Compliant e-invoicing included in all plans.
• Expense Management — Auto-import supplier invoices and reconcile payments in one click.
• Mastercard Debit & Credit Cards — Choose instant or deferred debit. Limits up to €200,000/month.
• Integrations — Connect over 2,000 external tools and sync data automatically.
• Company Creation — Simple and fast setup in 24 hours for all business structures.
• 24/7 Support — Human support via chat, email, and phone every day.

Qonto pricing: from €87/mo.

For comparison: the median starting price in Finance & Accounting is $20/month, measured across 145 tools we track. See the full SaaS Pricing Index →

Smart Plan — €87/month

For small teams and growing businesses. Includes up to 5 user seats, unlimited transactions, invoicing, expense management, and integrations. One free card included.

Enterprise Plan — Custom pricing

For larger companies with advanced needs. Includes all Smart features plus dedicated account manager, custom limits, and priority support. Contact Qonto for pricing.

Note: Qonto offers a free trial period for new customers. Prices are as listed on Qonto's website and may change. Check Qonto's site for the latest plans and promotional offers.

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