Listed in the following categories:

Spend Management

Expense Management

Invoice Management

E-Invoice

Qonto

Name: Qonto
Brand: Qonto
Rating: 4.70 (184 reviews)

4.7 (184)

What is Qonto?

Qonto is a leading European business finance solution for SME founders and freelancers with over 600,000 customers. Qonto's business account and financial management tools facilitate daily banking for SMEs and freelancers through an online business account that also provides tools for invoicing, accounting, and expense management.

Thanks to an easy-to-use product, personal customer service seven days a week, and clear pricing, Qonto has become the European market leader.

With a business account that can be applied for completely online in just a few minutes, as a DATEV marketplace interface partner and with TÜV-certified financial management tools for invoices, accounting and expense management, Qonto helps self-employed people and entrepreneurs to simplify their financial everyday life so that they can focus on what's important - their business.

In doing so, Qonto particularly relies on a user-friendly, digital, and intuitive solution that makes financial processes more effective through the use of technologies and integrations with partners such as DATEV, lexoffice, SumUp & Co.

This is how users rate the tool

Ease of use

Category average: 94 %

Excellent

Customer support

Category average: 89 %

Excellent

Meets requirements

Category average: 92 %

Excellent

Ease of setup

Category average: 93 %

Excellent

Global features

Setup & support

Cloud

On-premise

24/7 support

German-speaking support

Data Privacy

Server location DE

Server location EU

Only EU companies affiliated

EU standard contract

Versions

Free version

Free trial

Screenshots & Videos

Qonto Pricing

Pricing details

Last edited: March 2026

Starter
Free
Solo/freelancers/e.K./e.Kfm. who want to get started flexibly and for free
1x german IBAN
1x User access
1 x Virtual card
Physical card available as an optional extra (from €5 per month)
Free SEPA transfers - Qonto to Qonto account
5x SEPA transfers / month
Access to financing partners
Multibanking (all accounts in one place)
Cash Flow Analysis Tool
Digital receipt management
Integrated invoicing software, including e-invoicing
Accounting integrations (Lexware Office, sevDesk, DATEV)
24/7 customer service by phone, chat and email
Basic (Self-employed & Microenterprises)
9.00 €/ Month
A business account with built-in invoicing tools for simple day-to-day finances. 1-month free trial
1 x One Card Mastercard + additional cards available
30 SEPA transfers or direct debits per month
1 business banking account whit a german IBAN
access to financing offers
Client invoice creation
Supplier invoice centralization & payment
External account syncing
Sevdesk, Fastbill and over 14.000 partner integrations
Customer service, 7 days a week
Smart (Self-employed & Microenterprises)
19.00 €/ Month
Advanced business banking, invoicing and bookkeeping tools, and direct accountant access. 1-month free trial
1 x One Card Mastercard + additional cards available
60 SEPA transfers or direct debits per month
1 account & sub-account with a German IBAN
Access to financing offers
Client invoice creation
Supplier invoice centralization & payment
External account syncing
DATEV, Lexware Office, and over 14.000 partner integrations
Accountant access & bookkeeping tools
Customer service, 7 days a week
Premium (Self-employed & Microenterprises)
39.00 €/ Month
High-volume business banking, invoiceing, bookkeeping, and priority customer service. 1-month free trial
1 x One Card Mastercard + additional cards available
100 SEPA transfers or direct debits per month
1 account & 4 sub-accounts with a German IBAN
Access to financing offers
Client invoice creation
Supplier invoice centralization & payment
External account syncing
DATEV, Lexware Office, and over 14.000 partner integrations
Accountant access & bookkeeping tools
Customer service, 7 days a week
Essential (SMEs & Teams)
49.00 €/ Month
Simplified banking for teams, with built-in spend management, bookkeeping and chash flow tools. 1-month free trial
1 x One Card Mastercard + additional cards available
150 SEPA transfers or direct debits per month
1 account & 4 sub-accounts with a German IBAN
Accountant access
Unlimited team members
Expense management tools
Accounts Payable & Receivable tools
Bookkeeping tools
External account syncing
DATEV, Lexware Office, and over 14.000 partner integrations
Customer service, 7 Tage die Woche
Business (SMEs & Teams)
99.00 €/ Month
An integrated finance management solution that adapts to your workflows, with exclusive support. 1-month free trial
10 x One Card Mastercard + additional cards available
500 SEPA transfers or direct debits per month
1 account & 9 sub-accounts with a German IBAN
Accountant access
Unlimited team members
Manage role
Expense management tools
Accounts Payable & Receivable tools
Bookkeeping tools
External account syncing
DATEV, Lexware Office, and over 14.000 partner integrations
Priority 7-day-a-week support
Persönliche:r Kundenbetreuer:in
Enterprise (SMEs & Teams)
199.00 €/ Month
The ultimate finance workspace for teams, with the highest limits and exclusive support.
30 x One Card Mastercard + additional cards available
1000 SEPA transfers or direct debits per month
1 account & 24 sub-accounts with a German IBAN
Accountant access
Unlimited team members
Manage role
Expense management tools
Accounts Payable & Receivable tools
Bookkeeping tools
External account syncing
DATEV, Lexware Office, and over 14.000 partner integrations
Priority 7-day-a-week support
Dedicated Customer Success Manager
Basic (Company Creators)
9.00 €/ Month
Get your business started: an account with built-in invoicing tools for simple day-to-day finances. 1-month free trial
A deposit certificate within 24 hours
1 x One Card Mastercard + additional cards available
30 SEPA transfers or direct debits per month
1 business banking account whit a german IBAN
Access to financing offers
Client invoice creation
Supplier invoice centralization & payment
External account syncing
Sevdesk, FastBill and over 14.000 partner integrations
Customer service, 7 Tage die Woche
Smart (Company Creators)
19.00 €/ Month
Advanced business banking, invoicing and bookkeeping tools, and direct accountant access. 1-month free trial.
A deposit certificate within 24 hours
1 x One Card Mastercard + additional cards available
60 SEPA transfers or direct debits per month
1 business banking account whit a german IBAN
Access to financing offers
Client invoice creation
Supplier invoice centralization & payment
External account syncing
DATEV, Lexware Office and over 14.000 partner integrations
Accountant access & bookkeeping tools
Customer service, 7 Tage die Woche
Essential (Company Creators)
49.00 €/ Month
The complete finance management package for company co-founders. 1-month free trial.
A deposit certificate within 24 hours
1 x One Card Mastercard + additional cards available
150 SEPA transfers or direct debits per month
1 business banking account whit a german IBAN
Access to financing offers
Client invoice creation
Supplier invoice centralization & payment
External account syncing
DATEV, Lexware Office and over 14.000 partner integrations
Accountant access & bookkeeping tools
Customer service, 7 Tage die Woche

Free trial version (29 days)

Demo version

https://qonto.com/en-de/pricing

Qonto Reviews (184)

AI-generated summary

What users say about Qonto

Based on 184 reviews

Qonto is appreciated for its user-friendly interface, efficient payment processing, and helpful integrations with accounting software, which streamline financial management. Many users value the fast customer service and the ability to manage invoices and receipts easily. However, some find the fees relatively high, and a few mention occasional issues with integrations or a lack of certain features like cash deposits. Despite these drawbacks, Qonto is considered a valuable tool for small to medium-sized businesses seeking to automate their financial workflows.