Qonto
Reviewed by Alexis Morain · Updated July 10, 2026
Qonto is the business account for freelancers and SMBs: French IBAN, cards, and built-in pre-accounting. Plans from €49/month, 30-day trial.
The French business account that absorbs expense management and pre-accounting, from freelancer to SMB.
- French IBAN and payment institution license from the Banque de France
- Built-in expense reports, multi-user permissions, and accounting export
- Payment institution, not a bank: no overdraft or bank credit
Qonto is an online business account built for freelancers and small and mid-sized businesses that want to separate banking from management. The French editor, based in Paris and licensed as a payment institution by the Banque de France (CIB 16958), provides a French IBAN and a layer of management features that traditional banks don't offer out of the box.
What is Qonto used for?
Beyond the account and cards, Qonto handles expense reports, multi-user access with permission levels, client invoicing, and export to accounting. The tool connects to Pennylane and Sellsy to extend pre-accounting and invoicing.
Qonto vs a traditional bank: what's the difference?
Qonto isn't a bank: funds are held with partner institutions, so there's no overdraft or bank credit. In exchange, expense management and pre-accounting are built in, where a traditional bank charges for these features separately. Compared to Shine, which is more focused on freelancers, Qonto scales up to businesses with several dozen users.
What are Qonto's limitations?
No overdraft or bank credit, business plans starting at €49/month excl. tax, above entry-level neobanks, and transfers beyond the plan's quota billed individually.
Pros & Cons
- French IBAN and payment institution license from the Banque de France
- Built-in expense reports, multi-user permissions, and accounting export
- Scales from freelancer to an SMB with several dozen users
- Client invoicing and receipt matching without re-entering data
- Payment institution, not a bank: no overdraft or bank credit
- Business plans starting at €49/month excl. tax, above entry-level neobanks
- Transfers beyond the plan's quota billed individually
Key features of Qonto
Business account with a French IBAN
Account and SEPA transfers with a French IBAN
Cards and expense management
Physical and virtual cards with per-member spending limits
Pre-accounting
Collects receipts and exports data to the accountant
Client invoicing
Issue and track invoices directly from the account
Multi-user access
Role-based permissions and approvals for the finance team
Qonto pricing
Business plans start at €49/month excl. tax (Essential, 250 transfers, 5 cards), then €99 (Business) and €199 (Enterprise). Freelancers have cheaper entry-level plans. All include a 30-day trial, with no permanent free plan.
Free plan / trial
30-day free trial on all plans. No permanent free plan.
Essential
250 transfers included/month · 5 One cards · Unlimited users
49 €/mois HT businesses
Business
500 transfers included/month · 10 One cards · Advanced expense management
99 €/mois HT businesses
Enterprise
10,000 transfers included/month · 30 One cards · Priority support
199 €/mois HT businesses
Pricing verified on July 10, 2026
Try QontoWho is Qonto for?
Best for
- French small and mid-sized businesses of 5-50 people who want banking and management combined
- Freelancers who separate their business account from pre-accounting
- Finance teams tracking spending by member
- New companies that need to deposit their share capital quickly
Not recommended for
- Companies that need a real overdraft or bank credit
- Businesses looking for the cheapest possible business account with no management features
Want to try Qonto?
Head to the official site and the current offer.
Frequently asked questions about Qonto
Is Qonto a bank?▼
How much does Qonto cost for a business?▼
Are data and funds held in France?▼
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