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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: September 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

Customer Support

Do you work for Qonto? Manage this product listing

Qonto’s user interface

Ease of use rating:

4.5

(272)

Qonto reviews

Overall rating

4.5

272

Positive reviews

Rating breakdown

Value for money
Ease of use
Features
Customer support
Likelihood to recommend0.83/10

Rating distribution

219

Pros

“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

“Allows me, as an USA citizen to have an account”

David S.

Owner

“The interface was intuitive, and for a long time, daily operations ran smoothly.”

Gilbert S.

CEO

Cons

“The platform has frequent glitches that disrupt basic operations, and the fee structure isn't transparent—every international transaction adds up fast. When Qonto mistakenly charged me for both annual and monthly subscriptions simultaneously, their support was slow to acknowledge their own mistake.”

Polina E.

Co-founder and Head of Growth

“Unreliable software that feels unfinished, massive hidden fees on non-EU transactions (hundreds of euros monthly), and unhelpful customer support that took days to resolve their own billing error when they double-charged me.”

Polina E.

Co-founder and Head of Growth

“I don't like that there are fees on cash withdrawals and fees on foreign currency transactions on my charge card”

David S.

Owner

Who uses Qonto?

Based on 272 verified user reviews.

Company size

Small Businesses

Midsize Businesses

Enterprises

Top industries

Management Consulting

Marketing and Advertising

Professional Training & Coaching

Arts and Crafts

Others

Use cases

Online Banking

Mobile Banking

Financial Management

Expense Report

Spend Management

Qonto's key features

Most critical features, based on insights from Qonto users:

Transaction history

4.6

(160)

Transaction monitoring

4.6

(136)

Fraud detection

4.4

(106)

All Qonto features

Features rating:

4.5

(272)

Accounting

4.6

(32)

Activity dashboard

4.5

(129)

API

4.3

(45)

ATM management

4.4

(8)

Cash flow management

1.0

(1)

Compliance management

4.4

(55)

Core banking

5.0

(11)

Corporate banking

3.4

(5)

Corporate card

4.8

(6)

Customer experience management

(0)

Document storage

(0)

Expense tracking

4.4

(17)

Financial management

4.5

(111)

Fraud detection

4.4

(106)

Investment banking

(0)

Invoice management

4.8

(6)

Monitoring

(0)

Multi-Currency

4.3

(67)

Online banking

4.7

(51)

Real-Time data

4.6

(38)

Real-Time monitoring

4.7

(122)

Real-Time notifications

4.8

(4)

Reporting & statistics

4.2

(37)

Secure login

4.5

(19)

Securities management

5.0

(5)

Transaction history

4.6

(160)

Transaction monitoring

4.6

(136)

Two-Factor authentication

4.6

(45)

User management

4.4

(20)

Qonto alternatives

Qonto

4.5

(272)

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

NexorONE

5.0

(14)

visit website

Starting from

15500

One-time payment

Free trial

Free version

Ease of Use

5.0

Features

5.0

Value for Money

5.0

Customer Support

5.0

Temenos

4.4

(69)

visit website

Starting from

No pricing info

Free trial

Free version

Ease of Use

4.4

Features

4.5

Value for Money

4.2

Customer Support

4.1

Sage Intacct

4.3

(716)

visit website

Starting from

No pricing info

Free trial

Free version

Ease of Use

4.2

Features

4.2

Value for Money

4.0

Customer Support

4.0

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

(272)

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

“Allows me, as an USA citizen to have an account”

David S.

Owner

Qonto integrations (14)

Integrations rated by users

We looked at 272 user reviews to identify which products are mentioned as Qonto integrations and how users feel about them.

Pennylane

Integration rating: 4.0 (4)

“Pour l’import automatique des facture en comptabilité”

Gina S.

CEO

Slack

Integration rating: 5.0 (3)

“Connecting Google Cloud Monitoring alerts to Slack channels delivers immediate real-time notifications for microservice latency spikes and build failures.”

Estrella A.

Software Engineer