Qonto Pricing
Every Qonto plan with its monthly and annual price, what it costs for common team sizes, and a calculator to estimate your own monthly cost before you buy.
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Plans and prices
| Plan | Monthly billing | Annual billing (per month) | Per user or flat | Users | Free tier |
|---|---|---|---|---|---|
| Basic | €9/mo | €9/mo | Flat | 1 users | No |
| Smart | €19/mo | €19/mo | Flat | 1–2 users | No |
| Premium | €39/mo | €39/mo | Flat | 1–2 users | No |
| Essential | €49/mo | €49/mo | Flat | No limit listed | No |
| Business | €109/mo | €109/mo | Flat | No limit listed | No |
| Enterprise | €199/mo | €199/mo | Flat | No limit listed | No |
Prices last updated November 2026.
What Qonto costs by team size
| Team size | 1 user | 5 users | 10 users | 25 users | 50 users |
|---|---|---|---|---|---|
| Monthly cost | €9/moBasic | €49/moEssential | €49/moEssential | €49/moEssential | €49/moEssential |
The plan that fits each team size, billed monthly, before add-ons and usage charges.
Add-ons
| Add-on | Monthly billing | Annual billing (per month) | Charged |
|---|---|---|---|
| Card PlusUpgrades a card to the Plus tier. | €8 | Not listed | Per card |
| Card XUpgrades a card to the X tier. | €20 | Not listed | Per card |
| Invoice AutomationAn add-on that automates invoice workflows. Available on all plans. | €12 | €12 | Flat |
| Project TrackingTracks spending and income by project. Available on all plans. | €20 | €20 | Flat |
| Team Spend ControlsAdds spending controls for teams. Available from the Essential plan upward. | €39 | €39 | Flat |
Usage pricing
| Metric | Plan | Included per month | Price after that |
|---|---|---|---|
| EUR transfer outside SEPA | All plans | None | €5 per transfer |
| Extra SEPA transfer | Business | 500 | €0.15 per transfer |
| Extra SEPA transfer | Basic | 30 | €0.2 per transfer |
| Extra SEPA transfer | Essential | 250 | €0.15 per transfer |
| Extra SEPA transfer | Premium | 200 | €0.1 per transfer |
| Extra SEPA transfer | Smart | 100 | €0.2 per transfer |
| Extra SEPA transfer | Enterprise | 10,000 | €0.1 per transfer |
| Incoming SWIFT transfer above €500 | All plans | None | €5 per transfer |
Qonto Pricing Calculator
Estimate your team's real monthly and annual cost based on seats, billing cycle, and add-ons.
Cost breakdown
Estimated from the vendor's published prices, last updated November 2026. Actual costs may vary based on negotiated contracts. How we collect prices
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Use this estimate to align with your team, then start a trial or subscription.
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Qonto pricing FAQs
No, Qonto does not list a free plan. Its cheapest paid plan is Basic, at €9/mo billed monthly.
Qonto lists 6 plans. The cheapest paid plan is Basic, at €9/mo billed monthly.
Qonto costs about €49/mo for 10 users on its Essential plan, billed monthly, before add-ons and usage charges.
No. Every Qonto paid plan with a listed price is a flat monthly price, whatever the team size.
Nothing: billed annually, Qonto costs the same per month as billed monthly.
Yes. Qonto sells add-ons on top of its plans: Card Plus, Card X, Invoice Automation and 2 more. It also charges by usage for EUR transfer outside SEPA, Extra SEPA transfer and Incoming SWIFT transfer above €500, past what the plan includes.