Qonto for business in Spain: Available
- Key eligibility
- A business or freelancer registered in Spain. Qonto opens an account with a local Spanish IBAN
- Non resident position
- You must be able to prove a registered business or branch in Spain. Onboarding is online
- Local currency support
- Euro account with a local Spanish IBAN. SEPA payments supported, with international transfers available
- Headline monthly fee
- Plans start at 9 euro a month excluding VAT for the Basic plan
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Does Qonto serve business customers in Spain?
Yes. Qonto is a licensed European payment institution that operates across France, Germany, Italy and Spain, and it offers a business account with a local Spanish IBAN to companies and freelancers registered in Spain. It is built for small and medium businesses and freelancers, bundling a euro account, cards, expense management and invoicing tools. You must be able to prove a registered business or branch in Spain to open an account, so a company without any local registration cannot apply. As of 12 April 2026.
Eligibility for businesses in Spain
Qonto opens accounts for businesses and freelancers registered in Spain, including companies in formation, and asks for company registration and identity documents and verification of the legal representative. It is not possible to open a Qonto account if you cannot prove a local business or branch in Spain. Onboarding is completed online, and a Spanish IBAN is issued once your application is approved. As of 12 April 2026. Verify with the provider
What it costs locally
Qonto pricing in Spain starts at 9 euro a month excluding VAT for the Basic plan, which covers one account, one card and a set number of transfers, with higher tiers such as Smart, Premium and the larger business plans adding virtual cards, more users, receipt capture and accountant access. Cards, additional transfers and cash deposits can carry extra fees, and transfers in euro outside the SEPA zone are charged per transfer. Check the current plan table for the exact allowances and fees that apply to your business. As of 12 April 2026
What local users report
Businesses and freelancers in Spain use Qonto for a local euro account with a Spanish IBAN, fast online onboarding, and built in tools for expenses, invoicing and accountant access. Reviews generally praise the app and onboarding speed and note that it is a payment institution rather than a traditional bank, so it focuses on accounts and payments rather than lending. As of 12 April 2026, confirm the current plans and fees with the provider before relying on them.
How to open Qonto for business in Spain
- Choose a Qonto plan and start the online application with your Spain business or freelancer details
- Upload your company registration and identity documents and verify the legal representative
- Once approved, receive your Spanish IBAN, order cards and start making SEPA payments
Questions about Qonto in Spain
Is Qonto available for business in Spain?
Can a freelancer or company in Spain open a Qonto account?
Does Qonto provide a Spanish IBAN?
How much does Qonto cost in Spain?
Availability, fees, and eligibility change. This page was last reviewed on 12 April 2026. Confirm the current position with Qonto before applying.