Qonto
6.4/10Qonto is a European online business account for freelancers and SMEs, combining a local IBAN, payment cards, transfers, invoicing, and expense tools.
Data last updated November 2026 · Our methodology
Overview
Qonto is a Paris-based business finance platform that gives freelancers, micro-businesses and SMEs an online current account with a local IBAN, physical and virtual Mastercard cards, SEPA transfers, and finance admin tools. It operates in France, Germany, Italy, Spain, Austria, Belgium, the Netherlands and Portugal. It holds a payment institution licence from the French ACPR and applied for a banking licence in 2025. Beyond the account itself, Qonto adds client invoicing, receipt capture, expense reports, team budgets, supplier invoice handling, sub-accounts, and cash flow tools such as categorisation and a real-time VAT estimate. Outside accountants get unlimited access from the Smart plan upward. Pricing has two families billed monthly, excluding VAT. Solo plans run €9, €19 and €39 a month, and Team plans with unlimited users run €49, €109 and €199. Each plan caps cards and monthly SEPA transfers, and extra transfers, direct debits and international payments cost extra. Paid add-ons cover invoice automation, project tracking and team spend controls. Every plan starts with a one-month free trial and has no commitment. Qonto connects to accounting tools including DATEV, Sage, Tiime, Holded and Dougs, and to Stripe, Slack, Payfit, Google Drive, Zapier and Make. It also offers a public API and EBICS on higher plans. The main limitation is that Qonto is a banking and spend layer, not a full accounting system. Reviewers also report account freezes during compliance checks, and international and FX transfers are expensive.
Our Rating
Who Qonto is best for
Good fit
The Solo plans start at €9 a month and are built for a single owner.
Team plans include unlimited users, budgets and accountant access, aimed at SMEs.
Onboarding is fast and the account includes sub-accounts and spend controls, but lending options are limited.
Less suited
- Enterprise3/10
An independent analysis notes limited enterprise security attestations and IAM support.
Pros & Cons
Pros
- Low entry price: the Basic solo plan costs €9 a month, and every plan has a one-month free trial with no commitment.
- Team plans include unlimited users, so costs do not rise with headcount.
- A large integration directory covers DATEV, Sage, Tiime and Stripe, plus Zapier, Make and a public API.
- Accountants get unlimited access from the Smart plan, which makes bookkeeping handoffs easier.
- Reviewers on G2 and Capterra praise the interface and quick onboarding.
Cons
- Reviewers often report account freezes during compliance checks that hold funds for days.
- Support is described as slow or generic when an issue is complex.
- International transfers cost 0.56% to 1.8% with a €5 minimum, which adds up for businesses that pay in many currencies.
- Qonto is a payment institution, not a full bank, and offers no broad lending products.
- There is no full general ledger or financial statements, so a separate accounting tool is still needed.
Key Features
Qonto Pricing
Basic
or €108/year
- 1 owner
- 1 account
- 24/7 support
- Basic cash flow tools
- 30 SEPA transfers per month
- 1 physical card and 2 virtual cards
Smart
or €228/year
- 1 sub-account
- Owner plus 1 admin
- Real-time VAT estimate
- Unlimited accountant access
- 100 SEPA transfers per month
- 2 physical and 50 virtual cards
Premium
or €468/year
- 4 sub-accounts
- Owner plus 1 admin
- Subscription tracking
- 200 SEPA transfers per month
- Priority support 7 days a week
- 2 physical and 50 virtual cards
Essential
or €588/year
- 9 sub-accounts
- Unlimited team members
- 250 SEPA transfers per month
- 5 physical and 50 virtual cards
- Team budgets, expense reports, invoice management
Business
or €1,308/year
- 29 sub-accounts
- Dedicated support
- Unlimited team members
- 500 SEPA transfers per month
- 10 physical cards and unlimited virtual cards
- ERP and accounting sync, supplier invoice import, EBICS
Enterprise
or €2,388/year
- 99 sub-accounts
- Dedicated support
- Full cash flow suite
- Unlimited team members
- 10,000 SEPA transfers per month
- 30 physical cards and unlimited virtual cards
Frequently Asked Questions
Yes. All plans include a one-month free trial and have no commitment.
France, Germany, Italy, Spain, Austria, Belgium, the Netherlands and Portugal.
Qonto holds a payment institution licence from the French ACPR. It applied for a banking licence in July 2025.
Yes, from the Smart plan upward, with unlimited accountant access. The Basic plan does not include it.
Yes. A public API is available on every plan, and EBICS is offered for syncing with accountants' ERP tools.
Solo plans allow one or two admins. Team plans include unlimited team members.
Similar Tools
See all alternatives
Cloud accounting software from Zoho for small and growing businesses, covering invoicing, bank reconciliation, bills, inventory and financial reporting.
Pleo is a European spend management platform that gives small and mid-sized businesses company cards, receipt capture, reimbursements and supplier invoice payments.
A German cloud tool for bookkeeping, invoicing, receipt capture, VAT filing and optional payroll, made for freelancers and small businesses.