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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: February 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

Navigation

Simplicity

Automation

Affordability

Responsiveness

Qonto’s user interface

Ease of use rating:

4.5

(211)

Qonto pros, cons and reviews insights

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

Overall rating

Reviews sentiment

1-2(23)

3-4(20)

5(168)

What do users say about Qonto?

Users report Qonto is easy to use, with an intuitive interface and fast account setup. They find managing multiple accounts, tracking transactions, and integrating invoicing features convenient for daily business needs. They appreciate responsive customer support, clear notifications, and real-time updates on both mobile and web platforms. Some mention competitive pricing and transparent fees, though a few feel costs could be lower.

Reviewers indicate that account suspensions and blocked access can cause significant frustration, especially when communication is slow or unclear. They say certain features, like international transfers and invoice reconciliation, could be improved, and some wish for better customization and more banking options.

Select to learn more

Who uses Qonto?

Based on 211 verified user reviews.

Company size

Small Businesses

Enterprises

Midsize Businesses

Top industries

Construction

Management Consulting

Real Estate

Information Technology and Services

Others

Use cases

Online Banking

Mobile Banking

Spend Management

Financial Management

Banking Systems

Qonto's key features

Most critical features, based on insights from Qonto users:

Mobile access

5.0

(16)

Electronic payments

4.8

(14)

Expense tracking

4.6

(10)

Secure login

4.6

(9)

Transaction management

4.8

(6)

Corporate card

5.0

(3)

All Qonto features

Features rating:

4.5

(211)

Corporate banking

4.0

(4)

Transaction history

4.5

(121)

Transaction monitoring

4.6

(106)

Core banking

5.0

(11)

Online banking

4.7

(38)

Accounting

4.6

(25)

Real-Time data

4.6

(29)

Real-Time monitoring

4.7

(92)

Activity dashboard

4.5

(94)

Two-Factor authentication

4.5

(22)

Real-Time notifications

5.0

(3)

Fraud detection

4.3

(76)

Financial management

4.5

(90)

ATM management

4.4

(8)

Invoice management

4.8

(4)

User management

4.3

(16)

Reporting & statistics

4.2

(36)

Securities management

5.0

(5)

Compliance management

4.6

(31)

Multi-Currency

4.3

(60)

API

4.2

(41)

Monitoring

(0)

Investment banking

(0)

Document storage

(0)

Customer experience management

(0)

Cash flow management

(0)

Qonto alternatives

Qonto

4.5

(211)

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

EBANQ

4.7

(16)

visit website

Starting from

No pricing info

Free trial

Free version

Ease of Use

4.9

Features

4.3

Value for Money

4.6

Customer Support

4.9

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

Financial Services Cloud

4.8

(5)

visit website

Starting from

300

Per month

Free trial

Free version

Ease of Use

4.2

Features

4.4

Value for Money

4.5

Customer Support

4.8

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

(211)

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.”

Hugo G.

Developer, admin

Qonto integrations (20)

Integrations rated by users

We looked at 211 user reviews to identify which products are mentioned as Qonto integrations and how users feel about them.

Pennylane

Integration rating: 3.7 (3)

“Credit notes don't sync. Older transactions that you add invoices to don't sync.”

Cameron M.

CEO

Slack

Integration rating: 5.0 (3)

Dropbox Business

Integration rating: 3.5 (2)

OneDrive

Integration rating: 5.0 (1)

Axonaut

Integration rating: 5.0 (1)

Notion

Integration rating: 3.0 (1)

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

Q. What type of pricing plans does Qonto offer?

Qonto has the following pricing plans:
Starting from: €9.00/month
Pricing model: Free, Subscription
Free Trial: Available | (No Credit Card required)

These products have better value for money

Q. Who are the typical users of Qonto?

Qonto has the following typical customers:
Freelancers, Large Enterprises, Mid Size Business, Non Profit, Public Administrations, Small Business

Q. What languages does Qonto support?

Qonto supports the following languages:
French, German, Italian, Spanish

Q. Does Qonto support mobile devices?

Qonto supports the following devices:
Android, iPad, iPhone

Q. Does Qonto offer an API?

Yes, Qonto has an API available for use.

Q. What other apps does Qonto integrate with?

Qonto integrates with the following applications:
Dropbox Business, AssoConnect, Zapier, Sellsy, OneDrive, Zoho Books, Comptalib, Payfit, Slack, Stripe Billing, Macompta.fr, Axonaut, Notion, Xero

Q. What level of support does Qonto offer?

Qonto offers the following support options:
Chat, Email/Help Desk, FAQs/Forum, Knowledge Base, Phone Support, 24/7 (Live rep)