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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

Customer Support

Account Management

Qonto’s user interface

Ease of use rating:

4.5

(245)

Qonto pros, cons and reviews insights

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

Overall rating

Reviews sentiment

1-2(25)

3-4(23)

5(197)

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 245 verified user reviews.

Company size

Small Businesses

Midsize Businesses

Enterprises

Top industries

Real Estate

Marketing and Advertising

Management Consulting

Construction

Others

Use cases

Online Banking

Mobile Banking

Financial Management

Spend Management

Expense Report

Qonto's key features

Most critical features, based on insights from Qonto users:

Transaction history

4.6

(143)

Transaction monitoring

4.6

(123)

Fraud detection

4.3

(92)

All Qonto features

Features rating:

4.5

(245)

Accounting

4.7

(30)

Activity dashboard

4.5

(111)

API

4.3

(43)

ATM management

4.4

(8)

Cash flow management

1.0

(1)

Compliance management

4.5

(41)

Core banking

5.0

(11)

Corporate banking

3.4

(5)

Corporate card

4.8

(5)

Customer experience management

(0)

Document storage

(0)

Expense tracking

4.3

(14)

Financial management

4.5

(100)

Fraud detection

4.3

(92)

Investment banking

(0)

Invoice management

4.8

(5)

Monitoring

(0)

Multi-Currency

4.3

(65)

Online banking

4.7

(45)

Real-Time data

4.6

(35)

Real-Time monitoring

4.7

(108)

Real-Time notifications

4.8

(4)

Reporting & statistics

4.2

(37)

Secure login

4.7

(12)

Securities management

5.0

(5)

Transaction history

4.6

(143)

Transaction monitoring

4.6

(123)

Two-Factor authentication

4.6

(34)

User management

4.4

(19)

Qonto alternatives

Qonto

4.5

(245)

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

(103)

learn more

Starting from

No pricing info

Free trial

Free version

Ease of Use

4.7

Features

4.6

Value for Money

4.7

Customer Support

4.3

Mercury

4.9

(57)

visit website

Starting from

No pricing info

Free trial

Free version

Ease of Use

5.0

Features

4.8

Value for Money

4.8

Customer Support

4.4

Metaprise

4.7

(75)

learn more

Starting from

Free

Free trial

Free version

Ease of Use

4.7

Features

4.6

Value for Money

4.3

Customer Support

4.4

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

(245)

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

“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”

Hugo G.

Developer, admin

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

Cameron M.

CEO

Qonto integrations (14)

Integrations rated by users

We looked at 245 user reviews to identify which products are mentioned as Qonto integrations and how users feel about them.

Pennylane

Integration rating: 4.0 (4)

Slack

Integration rating: 5.0 (3)

“Useful to get updates”

Aryan K.

CEO

Make

Integration rating: 5.0 (2)

“Oferece integrações avançadas e flexíveis, permitindo automações mais complexas e personalizadas entre diferentes sistemas.”

Edvaldo C.

Gerente de Processos

Dropbox Business

Integration rating: 3.5 (2)

Tiime

Integration rating: 5.0 (2)

“pour mon comptable”

sonia o.

Chief of Brand

Other top integrations

Qonto support options

Typical customers

Freelancers

Small businesses

Mid size businesses

Large enterprises

Platforms supported

Web

Android

iPhone/iPad

Support options

Chat

Email/Help Desk

FAQs/Forum

Knowledge Base

Phone Support

24/7 (Live rep)

Training options

Live Online

Documentation

Videos

Qonto FAQs

Related categories