Qonto is a business account provider for companies, startups and freelancers in eight European countries. Plans start from about EUR 9 a month and include a local IBAN, cards and accounting tools. It suits teams that want spend management and invoicing in one place, as of 10 June 2026.
- Who it suits
- Registered companies, startups and freelancers in the countries Qonto serves that want a euro business account with cards, expense controls and accounting integrations.
- Broadly available in
- France, Germany, Italy, Spain, Austria, Belgium, the Netherlands and Portugal, as of 10 June 2026.
- Headline monthly fee
- From about EUR 9 a month for the Basic solo plan, rising with team plans, excluding VAT, as of 10 June 2026.
- Account type
- Business current account from a licensed payment institution, with a local IBAN. Not a deposit taking bank.
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Overview
Qonto is a French founded business finance provider operating across France, Germany, Italy, Spain, Austria, Belgium, the Netherlands and Portugal. It combines a business current account with a local IBAN, corporate cards, expense and budget controls, invoicing and bookkeeping connections in one interface. Companies can open sub accounts, each with its own IBAN, to separate budgets and taxes. Qonto operates as a licensed payment institution, so funds are safeguarded rather than covered by a deposit guarantee scheme in the way a bank deposit is. Verify current details with Qonto.
Strengths
Strong tools for teams, including multiple cards with spending limits, roles and permissions, and more than 80 accounting integrations. A local IBAN helps with domestic payments and direct debits. Invoicing and expense management are built in. Setup is online.
Limitations
Pricing rises as you add team features, cards and users. Accounts are mainly euro based, so broad multi currency holding is limited compared with some rivals. It is available in eight countries only. Cash handling is limited. Verify current terms with Qonto.
Fees and features
| Monthly fee | From about EUR 9 a month for Basic, with team plans from about EUR 49 to EUR 199 a month, excluding VAT, as of 10 June 2026. |
|---|---|
| Transaction fees | Plans include an allowance of SEPA transfers and card payments, with charges beyond the allowance. Extra cards and added users cost more. Verify current allowances with Qonto. |
| FX fees | Foreign currency transfers are available and priced separately from euro payments. Confirm the current cost with Qonto, as of 10 June 2026. |
| Minimum deposit | No minimum deposit for most plans. Company creation plans handle share capital deposits separately, as of 10 June 2026. |
| Multi currency | Primarily euro accounts with foreign currency transfers in a range of currencies. Broad balance holding in many currencies is limited. Verify with Qonto. |
| Integrations | More than 80 accounting and software integrations, including Xero, Stripe, PayPal and Zapier, as of 10 June 2026. |
| Eligibility | Registered companies, micro enterprises and freelancers in the eight countries Qonto serves, subject to verification. |
Open a Qonto business account
Availability and fees vary by country. Check the Qonto by country pages below for your market, then confirm current terms with the provider. Shown as of 10 June 2026.
Visit Qonto →Qonto by country
Questions about Qonto
Which countries is Qonto available in?
How much does Qonto cost?
Is Qonto a bank?
Can freelancers open a Qonto account?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 10 June 2026. Confirm current terms with Qonto before applying.