Qonto business account review

Snapshot

Qonto is a business account provider for companies, startups and freelancers in eight European countries. In France, paid plans start at EUR 9 a month on annual billing, and Germany and the Netherlands also list a free Starter plan. Plans include a local IBAN, cards and accounting tools. It suits teams that want spend management and invoicing in one place, as of 11 October 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 11 October 2026.
Headline monthly fee: In France, EUR 9 a month for the Basic solo plan on annual billing, rising with team plans, excluding VAT. Prices differ by country, and Germany and the Netherlands list a free Starter plan, as of 11 October 2026.
Account type: Business current account from a licensed payment institution, with a local IBAN. Not a deposit taking bank.

Fees and features as of 11 October 2026Last updated 11 October 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

Qonto provides business accounts for companies and freelancers in eight European markets. In France, solo plans cost EUR 9 a month for Basic, EUR 19 for Smart and EUR 39 for Premium, and team plans run from EUR 49 to EUR 199 a month. These are monthly equivalents of annual billing, excluding VAT, as of 11 October 2026. Prices differ by country. Accounts come with a local IBAN, physical and virtual cards, expense management, invoicing and connections to accounting software. Qonto is a licensed payment institution rather than a deposit taking bank. Confirm current pricing and terms with Qonto.

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 2,000 integrations listed by Qonto. 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

All figures as of 11 October 2026. Verify current terms with Qonto.
Monthly fee	In France, EUR 9 a month for Basic, with team plans from EUR 49 to EUR 199 a month, on annual billing and excluding VAT. Prices differ by country, as of 11 October 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 charged as a percentage. In France, Basic and Smart pay 0.8% for USD, GBP and CHF and 1.8% for other currencies, each with a EUR 5 minimum. Premium and team plans pay less, as of 11 October 2026.
Minimum deposit	Qonto does not list a minimum deposit to open an account. Company creation plans handle share capital deposits separately, as of 11 October 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 2,000 integrations listed by Qonto, including Stripe and Zapier, as of 11 October 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 11 October 2026.

Visit Qonto → Commission link: we may earn a fee if you open an account through it. It does not change what we publish or how we rank providers.

Qonto by country

Questions about Qonto

Which countries is Qonto available in?

Qonto serves business customers in France, Germany, Italy, Spain, Austria, Belgium, the Netherlands and Portugal, as of 11 October 2026. Confirm availability for your business with Qonto.

How much does Qonto cost?

In France, solo plans cost EUR 9 a month for Basic, EUR 19 for Smart and EUR 39 for Premium. Team plans run from EUR 49 to EUR 199 a month. These are monthly equivalents of annual billing, excluding VAT, as of 11 October 2026. Prices differ by country. Cards and extra users add to the cost. Verify current pricing with Qonto.

Is Qonto a bank?

Qonto operates as a licensed payment institution rather than a deposit taking bank. It provides business accounts with a local IBAN, cards and finance tools, and safeguards customer funds. Deposit guarantee cover differs from a bank deposit. Confirm current terms with Qonto. This is general information, not advice.

Can freelancers open a Qonto account?

Yes. Qonto is open to registered freelancers and micro enterprises as well as companies in the markets it serves. Company creation plans also support share capital deposits where required. Verify the current requirements with Qonto.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 11 October 2026. Confirm current terms with Qonto before applying.