QONTO — Business Account
QONTO – Business Account
Qonto App Screenshots
Qonto is a European business finance platform designed for freelancers, entrepreneurs, SMEs and larger teams. It combines a business payment account with local IBANs, Mastercard business cards, SEPA and international transfers, invoicing, expense management, accounting integrations and team financial management tools.
Account Details
| Account Type | Business payment account |
| Provider | Qonto / Olinda |
| Local IBAN Prefixes | FR / DE / IT / ES / NL / BE / PT / AT* |
| Supported Markets | France, Germany, Italy, Spain, Netherlands, Belgium, Portugal and Austria |
| Sub-Accounts | Yes – number depends on plan |
| Dedicated IBAN for Sub-Accounts | Yes, where supported |
| SEPA | Yes |
| SEPA Instant | Yes |
| SWIFT / International Transfers | Yes |
| International Coverage | 150+ countries |
| International Currencies | 30+ currencies |
| Mobile App | iOS / Android |
| Web Interface | Yes |
Plans & Pricing
| Plan | Annual Billing | Monthly Billing | Transfers |
|---|---|---|---|
| Basic | €9 / month | €11 / month | 30 / month |
| Smart | €19 / month | €23 / month | 100 / month |
| Premium | €39 / month | €45 / month | 200 / month |
Prices shown exclude VAT and may vary depending on the customer’s country, legal form, billing method and available local Qonto plans.
Accounts & Sub-Accounts
| Plan | Accounts |
|---|---|
| Basic | 1 main account |
| Smart | 1 main account + 1 sub-account |
| Premium | 1 main account + up to 4 sub-accounts |
| Enterprise | Up to 99 sub-accounts on selected market plans |
Business Cards
- Card network: Mastercard
- Physical cards: Yes
- Virtual cards: Yes
- Instant cards: Available on selected plans
- Apple Pay: Supported
- Google Pay: Supported
- Employee cards: Available
- Card spending controls: Available
| Plan | Physical Cards | Virtual Cards |
|---|---|---|
| Basic | 1 included | 2 included |
| Smart | 2 included | 50 included |
| Premium | 2 included | 50 virtual + up to 50 Instant cards |
Transfers & Payments
| Payment Method | Availability |
|---|---|
| SEPA Transfer | Yes |
| SEPA Instant | Yes – send and receive supported |
| Incoming SWIFT | Supported |
| Outgoing International Transfers | 150+ countries / 30+ currencies |
| Wise Integration | Yes – available for supported international transfers |
| Qonto-to-Qonto Transfers | Free, unlimited and instant |
| SEPA Direct Debits | Supported |
| Payment Links | Supported |
| Tap to Pay / POS | Available in supported markets |
International Transfers
- Transfers to more than 150 countries
- More than 30 supported international currencies
- SWIFT and local international payment routes
- Wise-powered international transfers
- USD, GBP and CHF supported among standard international currencies
- International transfer pricing depends on plan, currency and destination
Account Funding & Incoming Payments
- Bank transfer to the assigned Qonto IBAN
- SEPA transfers
- SEPA Instant transfers
- Incoming international / SWIFT transfers where supported
- Customer payments via payment links
- POS and Tap to Pay functionality in supported markets
Team & Financial Management
| Team Access | Yes |
| Employee Cards | Yes |
| Spend Controls | Yes |
| Accountant Access | Available on selected plans |
| Invoicing | Integrated invoicing tools |
| Expense Management | Available |
| Cash-Flow Management | Available on selected plans |
| Accounting Integrations | Yes |
Key Features
- Local European business IBANs
- Multiple accounts and sub-accounts with dedicated IBANs
- Mastercard physical and virtual business cards
- SEPA and SEPA Instant transfers
- International payments to 150+ countries
- 30+ international currencies
- Wise-powered international transfers
- Employee cards and spending controls
- Invoice creation and management
- Expense management
- Accounting integrations
- Cash-flow management tools
- Payment links and payment acceptance tools
- Mobile and web applications
- 24/7 customer support
Pros & Cons
| Pros | Considerations |
|---|---|
| Local IBANs in multiple European markets | The company must generally be registered in a supported Qonto market |
| Large number of virtual cards on higher plans | Higher card and account allowances require more expensive plans |
| SEPA Instant support | Monthly transfer allowances depend on the selected tariff |
| Strong international transfer coverage | International payment fees depend on currency, route and plan |
| Integrated invoicing, accounting and expense tools | Some advanced finance tools are limited to higher plans or add-ons |
IBAN: FR / DE / IT / ES / NL / BE / PT / AT*
Cards: Mastercard
Virtual Cards: Yes – up to 50+ depending on plan
Physical Cards: Yes
Sub-Accounts: Yes
SEPA: Yes
SEPA Instant: Yes
SWIFT: Yes
International Transfers: 150+ countries / 30+ currencies
Starting Price: from €9/month with annual billing*
Official website: qonto.com
Official mobile app: Qonto – Business Finance App
* IBAN country, account availability, pricing, included transfers, cards, sub-accounts, payment methods and other features depend on the country of registration, legal form, selected Qonto plan and customer eligibility. Prices shown exclude VAT where applicable.
Information checked: September 11, 2026.
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