What it does
Qonto combines a business payment account with cards, invoicing, transfers and expense administration. It accepts supported business forms registered in France, Italy, Spain, Germany, Portugal, Belgium, Austria and the Netherlands. Plans are paid, with a one-month trial advertised on the reviewed comparison; local features and charges vary.
Business payments beside the invoices
Qonto invoices can include payment links and be followed alongside money received. Supplier invoices feed outgoing-payment and reconciliation work, while virtual cards and account permissions help organise company spending. Qonto describes itself as a licensed French payment institution.
Prices on the reviewed plan page
| Plan | Monthly equivalent, excluding VAT | Annual bill | Included transfers per month |
|---|---|---|---|
| Basic | €9 | €108 | 30 |
| Smart | €19 | €228 | 100 |
| Premium | €39 | €468 | 200 |
These are annual-billing prices. Monthly billing and separate team plans are also available. The one-month trial is temporary, rather than an ongoing free account.
Company and identity checks
Choose the country where the business is registered before selecting a plan. Qonto’s eligibility page lists accepted legal forms for its eight supported markets and excludes some business activities. The application asks for identity and business documents; its French guide lists company registration, registered-office details and beneficial-owner information where applicable. Use Open an account to begin the relevant local application.
Strengths
- Invoices and payment links connect billing with account activity.
- Eligible companies can apply in eight named European markets.
Watch out for
- Annual-equivalent prices require an annual bill and exclude VAT.
- Plans limit included transfers, and extra financial tools can require add-ons.
- Some business activities and legal forms are not accepted.
Best for
- Supported European businesses managing invoices and account payments together
- Small finance teams comparing card access and transaction allowances
Sources
- Manage all your finances from your Qonto business account (Oct 25, 2026)
- Qonto business account prices and trial (Oct 27, 2026)
- Qonto eligible countries and organisations (Oct 27, 2026)
- Opening a Qonto business account (Oct 27, 2026)