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Qonto Costs

4.7 (183)

Qonto is a European finance solution for SMEs and freelancers offering easy-to-use tools for daily banking, invoicing, accounting, and expenses management entirely online.

Qonto Pricing

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