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Qonto

The finance solution that energizes SMEs and freelancers.

Table of Contents

Qonto - 2026 Pricing, Features, Reviews & Alternatives

All user reviews are verified by in-house moderators and provider data by our software research team. Learn more

Last updated: March 2026

Qonto overview

What is Qonto?

💡 With an innovative product, highly responsive 7/7 customer service and clear pricing, Qonto has become the European leader in its category.

Get started with a powerful Business Account for all your everyday banking needs.

- Local IBANs (🇫🇷 French IBAN / 🇩🇪 German IBAN / 🇮🇹 Italian IBAN / 🇪🇸 Spanish IBAN)

- Payment cards: spend up to €200,000/month. No hidden costs. Pay online, in-store, and abroad, whatever the situation, our range of free and premium corporate cards included in your subscription has got you covered.

- Transfers: flexible payment methods - from Instant SEPA to SWIFT - so you can pay, and get paid, faster.

- Transactions: unlimited history and real-time notifications.

- Financing: easy access to integrated financing options.

Then, leverage our Financial tools to keep track of your money and help you grow your business.

- Invoice management: centralize invoices & receipts in one place, get paid faster & automate your outgoing payments.

- Spend management: control team spending with budgets, automatic receipt collection & tailored access.

- Bookkeeping: collaborate seamlessly with your accountant, connecting to our suite of tools, and get a full, real-time cash flow overview.

Starting price

9flat rate /
per month

Alternatives

with better value for money

Pros & Cons

Ease of Use

Invoicing

Integrations

Transfer Fees

Account Management

Qonto’s user interface

Ease of use rating:

4.5

(232)

Qonto pros, cons and reviews insights

To determine these pros and cons insights, we analyzed responses from

Overall rating

Reviews sentiment

1-2(24)

3-4(21)

5(187)

What do users say about Qonto?

The interface is beautiful and fluid — one of the most elegant neobank apps on the market.

Select to learn more

Who uses Qonto?

Based on 232 verified user reviews.

Company size

Small Businesses

Enterprises

Midsize Businesses

Top industries

Construction

Management Consulting

Marketing and Advertising

Professional Training & Coaching

Others

Use cases

Online Banking

Mobile Banking

Financial Management

Spend Management

Accounts Payable

Qonto's key features

Most critical features, based on insights from Qonto users:

Online banking

4.7

(41)

Mobile access

5.0

(16)

Electronic payments

4.5

(15)

Secure login

4.6

(11)

Transaction management

4.9

(8)

Categorization/Grouping

4.3

(4)

All Qonto features

Features rating:

4.5

(232)

Corporate banking

4.0

(4)

Corporate card

5.0

(4)

Transaction history

4.6

(135)

Transaction monitoring

4.6

(114)

Core banking

5.0

(11)

Accounting

4.7

(26)

Real-Time data

4.7

(32)

Two-Factor authentication

4.5

(30)

Real-Time monitoring

4.7

(102)

Activity dashboard

4.5

(105)

Expense tracking

4.6

(10)

Real-Time notifications

5.0

(3)

Fraud detection

4.3

(84)

Financial management

4.5

(95)

ATM management

4.4

(8)

Invoice management

4.8

(4)

User management

4.4

(19)

Reporting & statistics

4.2

(36)

Securities management

5.0

(5)

Compliance management

4.6

(33)

Multi-Currency

4.3

(61)

API

4.3

(42)

Investment banking

(0)

Monitoring

(0)

Document storage

(0)

Customer experience management

(0)

Cash flow management

(0)

Qonto alternatives

Qonto

4.5

(232)

Starting from

Per month

Free trial

Free version

Ease of Use

4.7

Features

4.5

Value for Money

4.3

Customer Support

4.4

Chime

4.6

(102)

learn more

Starting from

No pricing info

Free trial

Free version

Ease of Use

Features

Value for Money

Customer Support

Plaid

4.4

(89)

learn more

Starting from

No pricing info

Free trial

Free version

Ease of Use

Features

Value for Money

Customer Support

Metaprise

4.7

(75)

learn more

Starting from

No pricing info

Free trial

Free version

Ease of Use

Features

Value for Money

Customer Support

Qonto pricing

Value for money rating:

4.3

Pricing plans

Pricing details:

Free plan

Free trial

Subscription

Basic

Per month

Features included:

1 x One Card Mastercard with €20,000/month payment limit
30 transfers or direct debits/month
1 account
7-day-a-week support
14,000+ partner integrations
Client invoice creation
Supplier invoice centralization & payment

Smart

Per month

Features included:

1 x One Card Mastercard + 50 virtual cards/month
60 transfers or direct debits/month
1 account + 1 sub-account
7-day-a-week support
14,000+ exclusive integrations
Client invoice creation
Supplier invoice centralization & payment
Supplier management
Digitized & certified receipts
Advanced dashboard
Unlimited accountant users

Premium

Per month

Features included:

1 x One Card Mastercard + 50 virtual cards/month
100 transfers or direct debits/month
1 account + 4 sub-accounts
Priority 7-day-a-week support
14,000+ exclusive integrations
Client invoice creation
Supplier invoice centralization & payment
Supplier management
Digitized & certified receipts
Advanced dashboard
Unlimited accountant users

Essential

Per month

Features included:

2 x One Card business Mastercards + 50 virtual cards
150 transfers or direct debits/month
Unlimited team members + Accountant access
1 account + 4 sub-accounts
14,000+ exclusive partner integrations
7-day-a-week support
Access to financing offers
Account Payable & Receivable tools
Automated bookkeeping tools

Business

Per month

Features included:

10 x One Card business Mastercards + 50 virtual cards
500 transfers or direct debits/month
Unlimited team members + Accountant access
1 account + 9 sub-accounts
14,000+ exclusive partner integrations
Priority 7-day-a-week support
Manager role
Expense management tools
Account Payable & Receivable tools
Access to financing offers
Automated bookkeeping tools
Customizable payment permissions and controls
Advanced dashboard

Enterprise

199

Per month

Features included:

30 x One Card business Mastercards + 50 virtual cards
1,000 transfers or direct debits/month
Unlimited team members + Accountant access
1 account + 24 sub-accounts
14,000+ exclusive partner integrations
Priority 7-day-a-week support
Manager role
Expense management tools
Account Payable & Receivable tools
Access to financing offers
Automated bookkeeping tools
Customizable payment permissions and controls
Advanced dashboard

User opinions about Qonto price and value

Value for money rating:

4.3

(232)

To see what individual users think of Qonto's price and value, check out the review snippets below.

“The interface is beautiful and fluid — one of the most elegant neobank apps on the market. Daily tasks like viewing balances, sending payments, and managing cards are pleasant and intuitive.”

Cameron M.

CEO

“Perfect UI, perfect API, a lot of new features to make a all in one solution for bank and invoicing for small and medium company.”