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Qonto

4.7 (131 reviews)

Verified profile

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 product

9.6

Ease of use

Spend Management

Average: 9.1

9.4

Meets requirements

Spend Management

Average: 9.1

9.1

Customer Support

Spend Management

Average: 9

9.4

Ease of setup

Spend Management

Average: 8.9

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: October 2025

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

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 (131)

AI-generated summary

What users say about Qonto

Based on 131 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.

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