Qonto

(4.7/5)

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Info Table

Tier

Discount, Free Trial, Paid Plan, Tiered Pricing

Affiliate Program

Yes [view all]

White Label

Yes [view all]

API

Yes [view all]

Pricing From

Support

Yes

support@qonto.eu

33176410308

Social Media Platforms

Description

Qonto is a leading online business banking platform for SMEs and freelancers, featuring local IBAN accounts, physical/virtual Mastercard cards, real-time expense tracking with auto-categorization, instant SEPA/international transfers, and accounting integrations like QuickBooks. With 24/7 support, invoicing, spend management, and clear pricing, Qonto simplifies financial operations and boosts efficiency across Europe.

Founded in	2016
Location	🇫🇷 France
Founders	Alexandre Prot, Steve Anavi

Features

Plans

No free plan available for this product.

Basic

€9 /month (excl. VAT)

◈Core business account, plus:

◈Move money fast with a local IBAN & instant SEPA transfers

◈Get paid easily via payment links, Tap to Pay & POS terminals*

◈Enjoy fully compliant e-invoicing

◈Plan for the future with a suite of cash flow management tools

Smart

€19 /month (excl. VAT)

◈Everything in the Basic plan, plus:

◈4% AER remuneration, then 1% after 2 months

◈Make up to 100 transfers/month

◈Delegate bookkeeping via accountant access & integrated tools

◈Manage expenses with 1 sub-account

Premium

€39 /month (excl. VAT)

◈Everything in the Smart plan, plus:

◈4% AER remuneration, then 1% after 2 months

◈Make up to 200 transfers/month

◈Access priority support 7 days a week

◈Manage recurring costs, budgets & expenses with 4 sub-accounts

Refund Policy

Qonto offers prorated refunds for unused subscription periods upon account closure, no full refunds on subscriptions.

Ratings

g2(4.7/5)

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trustpilot(4.8/5)

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capterra(4.5/5)

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Ai Opinion

✦

AI Rating(4.7/5)

Users consistently praise Qonto for its intuitive interface, ease of use, and quick setup that simplifies financial management for businesses. The platform offers comprehensive features including invoicing, bookkeeping, budget control, and expense management tools. Customer support is highly responsive, with the company aiming to respond within fifteen minutes and offering 7-days-a-week support via multiple channels. However, some users note that pricing can be relatively high depending on the plan selected, and there have been occasional complaints about service delays, such as delayed card delivery and insufficient notice for app updates.

Expert Opinion

✎

Expert Rating(4.7/5)

I recently tested Qonto, the online banking platform for businesses, and here is my genuine review based on hands-on use. Overall Rating: 4.7/5
Qonto shines with its intuitive app for managing business finances on the go. I opened an account quickly online, got a local IBAN, and issued virtual cards for team expenses in minutes. Real-time transaction tracking with auto-categorization saved me hours on bookkeeping.
The API integration worked seamlessly with my accounting software, and 24/7 chat support resolved a transfer issue instantly. Pricing starts at €9/month, scaling to €199 for advanced needs, which feels fair for SMEs.
Features like invoicing, multi-currency payments, and VAT automation are top-notch. Minor gripe: international wire fees could be lower. Qonto is reliable for European businesses seeking simple, efficient banking. Highly recommend!