About Qonto
Qonto is a European online business account designed for SMEs, offering a comprehensive suite of finance tools in one place. It provides cards, invoicing, expense management, real-time cash flow insights, multi-currency payments, and seamless integrations to streamline day-to-day finance administration. As a regulated payment institution in France, Qonto emphasizes fast onboarding, transparency in pricing, and support across multiple languages for teams and accountants.
What Qonto offers
- All-in-one online business account with physical and virtual cards
- Invoicing, accounts payable/receivable, and auto-receipt matching
- Real-time cash flow insights and scenario planning
- 25+ currencies and cross-border payments via Wise
- SEPA transfers, international transfers, and multi-channel payment methods
- Payment links, Tap to Pay, and POS terminals for faster payments
- Auto expense management, budgets, and employee spend control
- Accountant access, bookkeeping tools, and extensive integrations
- 7-day-a-week multilingual customer support
- Account remuneration up to 4% AER on balances
What sets Qonto apart
- Quick onboarding: open an account in minutes and start handling finances immediately
- Remuneration: earn up to 4% AER on active balances
- Comprehensive SME tooling: invoicing, spending controls, cash flow forecasting, and bookkeeping in one platform
- Transparent pricing with scalable plans and optional add-ons
- European-regulated and EU-focused: secure funds, with strong compliance and support across Europe
- Strong support ecosystem: dedicated accountant access and integrations with common accounting tools