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Overview
Provides SMEs and freelancers with a single place to manage business spending, payments, invoicing, and cash flow with real-time visibility and 2,000+ integrations. While availability and terms can vary by country and plan, Qonto suits small to mid-sized businesses that want faster transfers, expense controls, and regulated account safeguards.
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Starting Price
Custom
Qonto Specifications
Financial Reporting
Invoice Management
Expense Tracking
Bank Reconciliation
What Is Qonto?
Qonto is an online business account and finance management platform built for freelancers and small to mid-sized businesses. The software combines a business account with tools for payments, corporate cards, expense controls, invoicing, and cash flow monitoring in one interface, with integrations that connect to other finance and productivity tools. Qonto positions itself as a licensed payment institution supervised by the ACPR and highlights safeguards such as GDPR and SSL-encrypted data storage, and 3D-Secure transactions.
Qonto Pricing
The vendor offers the following Qonto pricing plans:
Self-Employed:
- Basic - €9/month (excl. VAT)
- Smart - €19/month (excl. VAT)
- Premium - €39/month (excl. VAT)
Business Teams:
- Essential - €49/month (excl. VAT)
- Business - €99/month (excl. VAT)
- Enterprise - €199/month (excl. VAT)
Disclaimer: The pricing is subject to change.
Qonto Integrations
The platform supports integration with various systems, including:
- Zapier software
- Declarando
- Google Drive
- Notion software
- Dropbox
- Stripe
Who Is Qonto For?
The platform is ideal for the following business sizes and types:
- Self-employed
- Micro-businesses
- SMEs
- Associations
Is Qonto Right For You?
If you are a freelancer, micro-business, or small to mid-sized company looking to manage daily finances in one place, Qonto may be a good fit. It is designed to support growing teams with multiple accounts, cards, and approval workflows as transaction volumes increase. As a licensed payment institution supervised by the ACPR, with GDPR compliance, and SSL encryption, Qonto suits businesses that value scalability, transparency, and regulated safeguards while managing payments, expenses, and cash flow.
Want to learn more about the Qonto software? Contact our customer support team at (661) 384-7070 for personalized assistance.
Qonto Features
Qonto provides an online business account with a local IBAN that can be opened fully online in around 10 minutes. It enables businesses to hold funds securely, manage balances in real time, and separate business and personal finances while operating under a regulated payment institution framework.
Qonto features SEPA instant transfers and international transfers to over 130 countries in more than 30 currencies, powered by Wise. Businesses can send and receive payments quickly, automate direct debits, and manage cross-border transactions from a single interface without relying on multiple banking providers.
The platform offers physical, virtual, and temporary cards with customizable spending limits and real-time tracking. Teams can assign cards to employees, set budgets, control permissions, and monitor expenses instantly, helping organizations maintain visibility and control as spending activity grows.
Qonto centralizes customer and supplier invoices, supporting quotes, recurring invoices, and multi-currency billing. It also allows certified digital receipt capture, automated invoice collection, and real-time payment tracking, helping businesses reduce manual entry and stay on top of incoming and outgoing payments.
Qonto provides access to short- and long-term financing directly from the account interface. Businesses can use Pay Later to pay supplier invoices upfront and repay in installments, or explore partner financing options for larger projects. This allows teams to manage cash flow gaps and fund growth without leaving the platform.
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