Listed in the following categories:
Top Rated - Spend ManagementQ4/25
Leader - Expense ManagementQ4/25
Top 1002025
Qonto Costs
4.7 (131 reviews)
Verified profile
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: 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
Item 1 of 9
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
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