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Business banking and finance for European SMEs
Qonto is a business banking and finance platform for freelancers, small businesses, and SMEs across Europe. It combines a business account and payment cards with invoicing, expense and spend management, and bookkeeping tools, giving European businesses a modern alternative to traditional business banking.
The platform covers business accounts and IBANs, physical and virtual cards, transfers and direct debits, invoicing and supplier payments, expense management with receipt capture, and accounting integrations and exports. Tiered subscriptions scale from freelancers to larger teams, with a free trial and transparent monthly pricing.
Qonto serves freelancers, startups, and SMEs in France, Germany, Italy, Spain, and other European markets that want banking, cards, and finance tools in one place. Its all-in-one account and finance features make it one of the most widely used business finance platforms in Europe.
Pricing Model
Subscription
Starting Price
€9/mo
Free Options
Free trial
| Feature | Basic | Smart | Business |
|---|---|---|---|
| Business account & IBAN | — | — | |
| 1 card | — | — | |
| Transfers & direct debits | — | — | |
| Invoicing basics | — | — | |
| Mobile app | — | — | |
| More cards | — | — | |
| Expense management | — | — | |
| Invoicing tools | — | — | |
| Accounting exports | — | — | |
| Integrations | — | — | |
| Team cards & controls | — | — | |
| Advanced finance tools | — | — | |
| Supplier payments | — | — | |
| Priority support | — | — | |
| Multi-user | — | — |
Other
Finance
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API Types
SDK Availability
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Developer Features
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Compliance Standards
SOC 2 Type II
EnterpriseISO 27001
EnterpriseGDPR Compliant
GlobalHIPAA
HealthcarePCI DSS
FinanceCCPA
PrivacyFedRAMP
GovernmentCSA STAR
CloudDeployment & Data
Data Residency Options
Verify with vendor for your specific region requirements.
Spend management and corporate cards for European businesses
Smart company cards and spend management for teams.
Spend management for scaleups and mid-market
Quick comparisons
