Qonto
Business banking, invoicing, and expense management platform for European small businesses and freelancers.
| What is it | Business banking, invoicing, and expense management platform for European small businesses and freelancers. |
|---|---|
| Pricing | Paid — from €9/mo |
| Free tier | No |
| Platform | Web Application |
| API | Yes |
| Works with | Claude AI, Make, n8n, Zapier |
| Best for | managing business finances in one dashboard, creating and sending professional invoices |
| Domain registered | 2014 |
Data updated Aug. 1, 2026
What does Qonto do?
Qonto is a business banking and finance management platform aimed at European small businesses, freelancers, and entrepreneurs. Instead of juggling a traditional bank, separate invoicing tools, and spreadsheets, you get one account that handles payments, invoicing, expense tracking, and company creation. You can open a business account in about 10 minutes, with no paperwork required. The platform is regulated as a financial institution and protects customer funds, so you're not sacrificing security for convenience.
What makes Qonto stand out is how many financial tasks it bundles together. You can earn up to 5% interest on your account balance, send SEPA and international transfers, issue virtual and physical Mastercard cards with limits up to €200,000 per month, and use Apple Pay or Google Pay. The invoicing side is equally full-featured: create unlimited quotes and invoices, send them with payment links to get paid faster, and set up automatic e-invoicing (Qonto is a certified Approved Platform). Supplier invoices can be auto-imported and reconciled with a single click. Recently, Qonto added built-in AI agents that can take over repetitive tasks like categorizing transactions or flagging anomalies, leaving you to just approve or review.
This tool is best for business owners who want to move away from traditional banks and manual financial admin. Freelancers, micro-enterprises, and growing startups will appreciate the all-in-one approach — no more logging into three different services to see your cash flow. If you're in France or other European countries where Qonto operates, it offers a practical, modern alternative to legacy banking, with the added bonus of integrated invoicing and company creation support.
Key features
What makes it stand outWho is Qonto for?
Who benefits most from this toolPricing
Basic
- 1 accounts
- 0 sub accounts
- 30 transfers per month
- 2 virtual cards per month
- Move money fast with a local IBAN & instant SEPA transfers
- Get paid easily via payment links, Tap to Pay & POS terminals
- Enjoy fully compliant e-invoicing
- Plan for the future with a suite of cash flow management tools
Smart
Everything in Basic, plus:
- 1 accounts
- 1 sub accounts
- 100 transfers per month
- 50 virtual cards per month
- 5% AER remuneration, then 1.25% after 2 months
- Make up to 100 transfers/month
- Delegate bookkeeping via accountant access & integrated tools
- Manage expenses with 1 sub-account
Premium
Everything in Smart, plus:
- 1 accounts
- 4 sub accounts
- 200 transfers per month
- 50 virtual cards per month
- 5% AER remuneration, then 1.25% after 2 months
- Make up to 200 transfers/month
- Access priority support 7 days a week
- Manage recurring costs, budgets & expenses with 4 sub-accounts
Trust & presence
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