Information Density: Qonto – Signal Evidence & AI Readability

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4.8
of 5
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[H1] Business account. Finance management. Company creation.
Open an account
Find the right plan
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[H3] Made in France
Qonto is a French company headquartered in Paris.
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[H3] Made in France
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[H3] 600,000+ clients
use Qonto daily to run their business.
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[H3] 600,000+ clients
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[H3] 24/7 human support
We're available via chat, email, and phone.
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[H3] 24/7 human support
[H2] Your all-in-one business account
[H3] Account remuneration
Earn up to 4%* on your Qonto account balance.
[H3] Pay
SEPA & global transfers, virtual cards, & Apple Pay/Google Pay.
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[H3] Get paid
Invoices with embedded payment links, Tap to Pay & POS terminals.
[H3] Credit suite
A range of working capital solutions, integrated into your business account.
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[H3] Mastercard debit and credit cards
Choose instant or deferred debit. Limits up to €400,000/month, with cashback.
Discover our business account
[H2]
Compliant invoicing, zero effort
Discover invoicing
[H3]
Get ready for e-invoicing
As a Certified Approved Platform, Qonto includes fully compliant e-invoicing in all plans.
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[H3]
Create unlimited quotes & invoices
Create professional quotes & invoices, track status in real time, and get paid faster with payment links.
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[H3]
Supplier invoices in one place
Auto-import supplier invoices, pay them in one click, and automate reconciliation.
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[H2] Keep all your tools connected
Connect over 2,000 external tools & accounts directly to Qonto - let all your data sync automatically.
[H2] Create your company with Qonto
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[H3] Simple and fast
Ditch the paperwork. We'll have you up and running in 24 hours.
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[H3] Simple and fast
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[H3] The right fit for your business
Qonto works for all business structures: SAS, SASU, SARL, EURL, SCI, and micro-enterprises.
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[H3] The right fit for your business
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[H3] We're with you all the way
From start to KBIS, we're with you - and available every day to help.
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[H3] We're with you all the way
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Create your company
[H2] Your finances, answered and actioned.
Your Qonto account comes with built-in AI agents. Let them do the busy work, leaving you to just approve.
Discover Qonto AI
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[H2]
Our customers say it best
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[H3]
"Qonto adapts as our team grows. No more time-consuming, low-value processes. Employee expense management becomes simple."
Oksana Besnier, Financer Manager at Poiscaille
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[H3]
"I needed to move fast when launching my business. Having a platform like Qonto - bringing all the essential services together in one place - was the best solution for me."
Pierre-Louis Vouteau, Founder of Ooak Data
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[H3]
"I'd recommend Qonto to any entrepreneur looking for more than a bank - a true partner for their projects. I can finally spend time on my sites instead of on the phone with my bank."
André Schmitte, Founder of AS Projects
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[H3]
"I'd recommend Qonto to everyone. In my view, it's the ideal financial management solution for all businesses, regardless of their size or needs."
Pierre-Antoine Errard, Founder of Solarian
First-class protection for your business.
Learn more
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Legally protected customer funds
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Regulated financial institution
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Top standards in IT security & data protection
[H2] Complicated?
Not with Qonto.
Open your business account in just 10 minutes.
Open an account
Find the right plan

4.8
of 5
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4.5
of 5
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4.8
of 5
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[H1]
Manage all your invoicing, effortlessly
Work faster: manage invoices and purchases alongside your transactions.Quick setup: enable automatic receipt of e-invoices in Qonto with one click.Included: enjoy a 100% compliant e-invoicing tool at no extra cost.
Open an account
Discover invoicing
Electronic invoicing is included in all Qonto plans.
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[H2]
Your complete e-invoicing tool
[H3]
Invoice and get paid in Qonto
Create and send e-invoices. Track status live and get paid in Qonto.
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[H3]
Receive and pay invoices
Import invoices or get them automatically. See due dates and pay.
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[H3]
Simplify your accounting
Auto-match invoices and transactions. Work with your accountant.
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[H2] 600,000 clients are ready for e-invoicing.
[H2]
Natively integrated with your business account
[H3]
Complete business account
Enjoy a remunerated business account with a French IBAN, cards, and transfers.
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[H3]
Connect with all your tools
Automatically collect your invoices and connect your other accounts.
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[H3]
Accelerated payments
Embed payment links directly on your invoices.
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[H3]
Cash flow management
Manage your cash flow and anticipate your transactions with an intuitive dashboard.
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[H3]
Financing
Get your purchase invoices financed when needed and repay later.
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[H3]
Invoicing automation
Schedule the automatic sending of your recurring invoices.
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[H2]
Invoicing made easy
With business account
With business account
Without (free)
[H2]
Starting at €9 excl. tax/month
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[H2]
Starting at €9 excl. tax/month
All the features of the invoicing tool + a complete Business Account:
100% customizable payment cards, no hidden fees
French IBAN, instant and international transfers
Account remuneration up to 4 %*.
Payment links integrated on invoices
More than 2,000 integrations to connect your business account to your favorite tools.
Open an account
Choose a plan
[H2]
Free and unlimited
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[H2]
Free and unlimited
100% compliant electronic invoicing software
Unlimited creation of customized invoices
Centralization of client and supplier invoices
Expense report management
Synchronization of external bank accounts
Dedicated accounting access
Invoice for free
Learn more
[H2] Switch to electronic invoicing
Save time, reduce errors, and stay compliant with Qonto, the first 100% compliant and fully operational Approved Platform.
Invoice for free
[H2] What our clients say
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[H2] What our clients say
“I receive alerts to track client payments in real time and can follow up on unpaid invoices with one click. I can also conduct in-depth and historical searches thanks to the unlimited history.”
Morgane Bauche,
Administrative and Financial Manager at Capsens
Read the testimonial
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Read the testimonial
[H2] Your questions about invoice management
[H3] What is invoicing management?
[H3] How to effectively manage invoices in a company?
[H3] What are the mandatory details on an invoice?
[H3] Why use software instead of an Excel spreadsheet for invoicing?
[H3] What solution is there for storing invoices?
*This is not a savings or investment product. Annual rate of 4% for the first two months for new clients, then rates will vary depending on the subscribed plan. A minimum of 5 eligible payment transactions per month is required. Remuneration is capped and subject to general conditions.

[H2] A plan for every business
Self-employed
Business teams
Loved & trusted by +600,000 businesses.
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TrustScore 4.8 | 56,977 reviews
View all features
[H3] Basic
€9
/month (excl. VAT)*
Billed annually at €108
Get your business account and invoicing running smoothly from day one.
Get started
1-month free trial
Core business account, plus:
Core business account, plus:Move money fast with a local IBAN & instant SEPA transfersGet paid easily via payment links, Tap to Pay & POS terminals*Enjoy fully compliant e-invoicingPlan for the future with a suite of cash flow management tools
[H3] Smart
Popular
€19
/month (excl. VAT)*
Billed annually at €228
Stay on top of your finances with shared access and smart pre-accounting.
Get started
1-month free trial
Everything in the Basic plan, plus:
Everything in the Basic plan, plus:4% AER remuneration, then 1% after 2 monthsMake up to 100 transfers/monthDelegate bookkeeping via accountant access & integrated toolsManage expenses with 1 sub-account
[H3] Premium
€39
/month (excl. VAT)*
Billed annually at €468
Keep growing faster with higher transaction volumes and better international fees.
Get started
1-month free trial
Everything in the Smart plan, plus:
Everything in the Smart plan, plus: 4% AER remuneration, then 1% after 2 monthsMake up to 200 transfers/monthAccess priority support 7 days a weekManage recurring costs, budgets & expenses with 4 sub-accounts
*Prices are monthly equivalents based on an annual plan. Monthly billing also available. See full pricing details here.
Starting a business? Kick things off with Qonto and let our experts take care of registration from start to finish.
Starting a business? Kick things off with Qonto and let our experts take care of registration from start to finish.
Learn more
[H2] Compare our plans
Help me find my price plan
Download details in PDF format
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Basic
€9
/month (excl. VAT)
Billed annually at €108
Get started
Smart
Popular
€19
/month (excl. VAT)
Billed annually at €228
Get started
Premium
€39
/month (excl. VAT)
Billed annually at €468
Get started
Get going with the essentials: payments, cards, & transfers
Get dedicated setup support & account management
Manage cash flow & plan ahead
Pay suppliers without the hassle
Close deals & get paid faster
Speed up pre-accounting with smart automations
Delegate tasks like payroll & suppliers payments
Get going with the essentials: payments, cards, & transfers
Basic
€9
/month (excl. VAT)
Billed annually at €108
Get started
Smart
Popular
€19
/month (excl. VAT)
Billed annually at €228
Get started
Premium
€39
/month (excl. VAT)
Billed annually at €468
Get started
Accounts
Create sub-accounts, each with their own local IBAN, to separate your budgets, taxes, and activities.
1 account
1 account & 1 sub-account
1 account & 4 sub-accounts
NEW
Account Remuneration
Unlock remuneration by making at least 5 eligible transactions per month.
-
4% annual rate* remuneration, then 1% after 2 months
€50,000 remunerated balance cap
4% annual rate* remuneration, then 1% after 2 months
100,000€ remunerated balance cap
Physical payment cards
Customize your business Mastercards in real time: One Card (included in your plan), Plus Card or Metal X Card.
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Discover all the cards
1 x
One Card
Card Plus (+€8/month)
Card X (+€20/month)
2 x
One Card
Card Plus (+€8/month)
Card X (+€20/month)
2 x
One Card
Card Plus (+€8/month)
Card X (+€20/month)
Virtual payment cards
Make online & in-store payments with virtual cards or use them in-store with Apple Pay and Google Pay.
2/month included
Then €2/month per additional card
50/month included
Then €1/month per additional card
50/month included
Then €1/month per additional card
SEPA transfers & outgoing direct debits
Manage incoming & outgoing Euro payments, both ordinary and instant, all in the Qonto app.
30/month included
Then €0.20 per additional transaction
100/month included
Then €0.20 per additional transaction
200/month included
Then €0.10 per additional transaction
NEW
In-person payment
Accept client payments with Tap to Pay or our terminals. Get automatic transaction matching, next-day payout, and competitive fees.
EU Cards: 0.7% /transaction
Non-EU & Business Cards:2.6% /transaction
EU Cards: 0.7% /transaction
Non-EU & Business Cards: 2.6% /transaction
EU Cards: 0.7% /transaction
Non-EU & Business Cards: 2.6% /transaction
Incoming SWIFT transfers
Receive international payments directly into your Qonto account.
Free transfers under €500
€5/transfer received above €500(excl. VAT)
Free transfers under €500
€5/transfer received above €500(excl. VAT)
Free transfers under €500
€5/transfer received above €500(excl. VAT)
Outgoing international transfers (standard currencies)
Transfer money globally in USD, GBP or CHF. Powered by Wise. Transfers in EUR to outside the SEPA zone are billed at €5 each.
0.8% /transfer
(min. €5 excl. VAT)
0.8% /transfer
(min. €5 excl. VAT)
0.56% /transfer
(min. €5 excl. VAT)
Outgoing international transfers (non-standard currencies)
Make international transfers in 30+ non-standard currencies, directly from your Qonto app. Powered by Wise.
1.8% /transfer
(min. €5 excl. VAT)
1.8% /transfer
(min. €5 excl. VAT)
1.56% /transfer
(min. €5 excl. VAT)
NEW
Payment links
Get paid easily by sharing a secure link with your clients. Close deals & get paid faster.
Check deposits (France only)
Send checks by mail for easy, quick deposits.
0
€2 per deposit
2 deposits/month incl.
Then €2 per additional deposit
5 deposits/month incl.
Then €2 per additional deposit
NEW
Overdraft
Get instant access to an overdraft buffer when your balance hits zero. Benefit from a customized limit and a fixed rate. Subject to eligibility, APR varies by country.
Compare Qonto’s offer with other solutions
Discover more
Get dedicated setup support & account management
Customer service
Find assistance quickly by chat, phone or email. Get 24/7 support in France and 7-day-a-week support elsewhere.
Priority support
Access to financing partners
Find financing through our partners. Enjoy a fast-tracked application process & funds directly into your Qonto account. Eligibility conditions apply.
Manage cash flow & plan ahead
Cash flow charts
Get clarity on your cash position with interactive tables and turn insights into strategic decisions.
Estimated VAT calculation
Stay ahead of tax obligations by tracking your estimated VAT in real time with each processed invoice and transaction.
Category customization
Skip the manual work with custom rules that remember your preferences and automatically categorize your transactions.
Pay suppliers without the hassle
Automated invoice import & collection
Manually import supplier invoices or drag & drop directly into Qonto from over 11,000 sources (email, Google Drive, Dropbox…)
Automated payment processing
Process payments faster with Optical Character Recognition & extract invoice data automatically (beneficiary, IBAN, amount).
Invoice payment tracking
See payment due dates at a glance, make instant or scheduled SEPA transfers, and keep your suppliers informed in one click.
Supplier management
Categorize your suppliers and automatically add a specific VAT rate.
Pay later
Get instant funds to finance supplier invoices, then pay it back in 3, 9 or 12 installments with a monthly interest starting from 0.62 % (eligibility conditions apply).
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Add-on
Accounts Payable Plus
ERP connectivity, unlimited invoice collection, payment validation workflow, advanced permissions for Manager role, and more (sold separately).
Discover advanced features
Available for Micro-business/SME plans only
Available for Micro-business/SME plans only
Available for Micro-business/SME plans only
Close deals & get paid faster
Unlimited quotes & invoices
Draft customized quotes & invoices, manage balance and deposit invoices, apply discounts and share them with your clients from your favorite device.
Catalog of products & services
Create a catalog of your products and services, then click to add items into quotes and invoices.
Multi-currencies
Invoice clients in Europe and beyond in 29 different currencies.
Automatic invoice tracking
Share your quotes & invoices with clients via email and automate the monitoring of your incoming payments.
Client invoice import & sync
Enjoy faster bookkeeping & clearer cash flow visibility when you sync invoices coming from third-party tools and platforms.
Compliance & archiving
Simplify your admin with automatic invoice numbering & invoice-payment pairing, and use credit notes for cancelled orders.
Soon
Electronic invoicing
Make the switch to electronic invoicing without disrupting your operations, and improve business efficiency through digitization.
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Add-on
Accounts Receivable Plus
Automate your workflows, sync all your data with your existing tools, and fully customize your documents' appearance to match your business needs.
Discover advanced features
Available to purchase with this plan
Available to purchase with this plan
Available to purchase with this plan
Speed up pre-accounting with smart automations
Digitized receipts
Upload photos of receipts; we’ll pair them automatically with the right transactions so they’re digitized & legally certified.
Digitized & Certified
Digitized & Certified
Receipts forward
Forward your receipts to Qonto by email and we'll match them automatically to the right transactions.
Custom labels
Automate your accounting prep by adding labels to your transactions (such as client code, country, team names, projects etc).
Dashboard
Visualize cash flow with indicator charts & real-time inflow/outflow tracking. Customize filters with the advanced dashboard.
Advanced dashboard
Advanced dashboard
API integrations
Connect Qonto to tens of thousands of your favorite tools and software to boost productivity.
External account syncing
Safely sync your other bank accounts & payment services to pilot all your aggregated finances without leaving Qonto.
Missing receipt reminders
Send manual and/or bulk reminders to team members who need to provide receipts.
﹣
Personal reimbursements
Pay yourself back for out-of-pocket expenses and automatically match receipts to transactions for easy bookkeeping.
﹣
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Add-on
Expense & Spend Management Plus
Advanced card settings, unlimited virtual cards, validation workflows, budget management, mileage allowance, and more.
Discover advanced features
Available for Micro-business/SME plans only
Available for Micro-business/SME plans only
Available for Micro-business/SME plans only
Delegate tasks like payroll & suppliers payments
Admin user access
Delegate tasks by sharing admin access to your account with other people.
1 owner
Then €10/month per additional admin access
2 (1 owner + 1 admin)
Then €10/month per additional admin access
2 (1 owner + 1 admin)
Then €10/month per additional admin access
Accountant access
Simplify your accounting process by granting dedicated read-only access to your accountant.
﹣
Unlimited users
Unlimited users
Show all features
Add-on limited offer: €29/month each for Cash Flow Management Plus & Accounts Payable Plus (available for Essential and up)**
Limited offer on selected add-ons**
[H2]
Personalize your plan with add-ons
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[H3]
Cash Flow-Management Plus
Get forecast scenarios that project four years into the future, integrated with real-time Google Sheets synchronization.Free for 1 month. Then €29*/month (billed annually).
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[H3]
Accounts Receivable Plus
Put your invoicing on autopilot, from quote to payment. Get recurring invoices, projects, automation & more.
Free for 1 month. Then €35/month (billed annually).
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[H2] Simulate your potential remuneration
See how much remuneration you could receive over a year, just by being active with Qonto.Qualify by making at least five eligible payment transactions per month.
Choose your plan
Basic
Smart
Premium
Essential
Business
Enterprise
Enterprise
Account balance
€
Estimated remuneration
[H3]
[H3] /year
Your Qonto plan pays for itself
Average monthly remuneration
Annual rate
Remunerated balance cap
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Upgrade required
Unlock remuneration by upgrading to Smart or higher for just €10 more per month.
Enjoy a
boost rate for the first 2 months
Promo
Average monthly remuneration
for 2 months, then annual rate of
Open an account
Book a demo
This simulation is for illustration only and applies to new clients over the next 12 months. Actual remuneration may vary based on the payment account usage and requires at least 5 eligible payment transactions per month. It is calculated daily on your total balance and distributed monthly to your main account. Plan prices as of 23/09/25. See T&Cs for details.
[H2] Our customers say it best
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[H2] Our customers say it best
“Qonto is 100% aligned with what we do at Alan: a straightforward service, a customer-oriented interface, and ultra-fast customer service!”
Jean-Charles Samuelian,
Founder @Alan
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[H2] Our customers say it best
“I created my company with Qonto. Opening an account only took me 10 minutes, while the customer service is excellent and the design user-friendly. I'm so happy with it!”
Géraldine Vivo,
Founder @Louve
[H2] Open an account in 10 minutes
We want to protect what’s precious to you as an entrepreneur: your time, energy, and focus. Let Qonto get your finance admin done faster, right from the very first click.
Open an account
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**Limited offers: Terms & Conditions may change anytime - see full details for Cash Flow Management Plus, and Accounts Payable Plus.
[H2] Frequently Asked Questions
[H3] Is Qonto a bank?
[H3] What are the advantages of the Qonto service?
[H3] Who can open a Qonto account?
[H3] Are there any fees or commissions in addition to the monthly subscription?
[H3] How do international payments work?
[H3] What are considered 'special operations'?
[H3] How does billing work at Qonto?
[H3] What are ‘Add-ons’?
Loved & trusted by +600,000 businesses.
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TrustScore 4.8 | 56,977 reviews
View all features
[H3] Essential
€49
/month (excl. VAT)*
Billed annually at €588
Run your business finances as a team without friction

[H1] Resource Hub
Ideas, templates, and tools for businesses that are going places
Discover resources
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[H3] Business life
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[H3] Business life
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[H3] Finance management
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[H3] Finance management
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[H3] Company creation
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[H3] Company creation
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[H3] Invoicing
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[H3] Invoicing
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[H2] The Total Economic Impact™ of Qonto
Independent research shows our customers do their finance admin 60% faster, collect invoices in half the time & get benefits worth Є51,000 over three years.
Learn more
Book a demo
[H2] Explore all our resources
8 resource
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[H3]
Corporate expense policy template
Take control of team expenditures with this corporate expense policy template
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[H3]
Small business spending trends 2024
Discover the spending habits of companies with 10-49 employees
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[H3]
Business plan template
Use this spreadsheet to forecast prospective income and expenses for a business idea
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[H3]
The Total Economic Impact™ of Qonto
Find out how much time and money small businesses are saving with Qonto
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[H3]
Cash flow management checklist
Cover all the key steps with our essential guide for managing your cash flow
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[H3]
?? Get ready for mandatory e-invoicing checklist
Prepare your French business for upcoming e-invoicing regulations with this simple plan for 2026.
[H3]
Entrepreneur insights 2026
Learn about the entrepreneur trade-off - freedom traded in for financial security
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[H3]
Key metrics for SaaS startups
Learn key insights from Mindset Finance co-founder Anthony Guez's SaaS Masterclass
[H2]
Expertise at your fingertips
[H2]
Expertise at your fingertips
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[H3]
“Our experts have hand-crafted these resources to help you navigate your business finances.”
Anita Szarek
Chief Financial Officer at Qonto
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[H2]
The business account that gets jobs done
Qonto helps SMEs and freelancers breeze through all things finance, giving you the freedom to keep moving forward.
Open an account
Contact us