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    Qonto

    Qonto is a French business bank account with IBAN, cards, invoicing and accounting sync for freelancers and small teams.

    Visit Qonto
    ToolTrim verdict Very good

    Keep it if You need a French business account with cards and invoicing open quickly, and your transfer volume fits a plan's cap.

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    Qonto, preview 1
    About

    In practice. What you can do with Qonto.

    Qonto provides a French/EU business bank account with physical and virtual debit cards, unlimited e-invoicing, and sub-accounts with dedicated IBANs for separating budgets. It syncs with third-party accounting tools via API, and every plan includes a monthly cap on transfers that scales up with the tier chosen.

    Solo plans start at 9 euros/month (excluding VAT) for 30 transfers, rising to 39 euros for 200 transfers and 4 sub-accounts; Team plans start at 49 euros/month. There is no free plan, only a 30-day trial. It fits a freelancer or small team wanting a fast-to-open French business account without a traditional bank.

    Practical uses

    • OpenSet up a French business account with an IBAN and a debit card in a few days instead of weeks at a traditional bank.
    • SeparateUse dedicated sub-accounts to isolate tax savings or project budgets from the main operating account.

    Features & use cases

    Compte pro
    Invoicing
    Notes frais
    Payments
    Synchro compta

    The case for and against. What Qonto does well, and when it costs too much.

    For. What works in its favour.

    • Fast account opening compared to a traditional bank, with cards and invoicing ready quickly.
    • Sub-accounts with dedicated IBANs make budget separation straightforward from Solo Smart upward.
    • 30-day trial to test the account before committing to a paid plan.

    Pays off from

    14 minsaved a month

    Qonto costs €9/month. If your hour is worth €40, those 14 min cover it.

    Against. What to plan for.

    • No free plan; billing starts once the trial ends.
    • Monthly transfer caps on every plan mean high-volume businesses need to upgrade tiers.

    Too expensive if

    • You use it less than once a month
    • A simple free version or a tool already in your stack would do

    Pricing. What does Qonto cost ?

    Solo Basic

    ToolTrim reference price

    €9/mo

    Per user.

    • 30 transfers per month, 1 physical card + 2 virtual cards.

    Solo Smart

    €19/mo

    Per user.

    • 100 transfers per month
    • 2 physical + 50 virtual cards
    • 1 sub-account

    Solo Premium

    €39/mo

    Per user.

    • 200 transfers per month
    • 4 sub-accounts with dedicated IBANs

    Essential

    €49/mo

    Per user.

    • 250 transfers per month
    • 5 physical + 50 virtual cards
    • 9 sub-accounts

    Business

    €109/mo

    Per user.

    • 500 transfers per month
    • 10 physical + unlimited virtual cards
    • 29 sub-accounts

    Enterprise

    €199/mo

    Per user.

    • 10,000 transfers per month
    • 30 physical + unlimited virtual cards
    • 99 sub-accounts

    Checked on September 25, 2026Official pricing

    Alternatives. What could replace Qonto?

    Shine3.2/5 · GoodFree, then from €9/moShine is a French business bank account for freelancers with free invoicing, from a free plan to €60/month for a full team plan.

    Our verdict. What to know about Qonto.

    How the score breaks down

    Added value

    Replaces slow traditional-bank onboarding with a fast digital business account, cards and invoicing for a monthly fee starting at 9 euros.

    Simplicity

    Account opening, cards and invoicing are usable quickly without a physical bank visit.

    Fit for purpose

    Delivers the core promise of a working IBAN account, cards and invoicing with accounting sync as advertised.

    Performance

    Covers standard business banking and invoicing needs, but monthly transfer caps mean higher-volume businesses must move up tiers.

    Reversibility

    Neutral score: account closure and data export options are not covered by the collected sources.

    Decided? Visit Qontoor compare alternatives

    AI. What it changes for Qonto.

    AI augments this tool

    Go further with AI

    Qonto added AI to automatically categorize transactions and ease pre-accounting, but remains a regulated professional neobank for SMBs and freelancers.

    Can AI replace it?

    Replace Qonto with an AI? No: holding a regulated professional bank account remains a financial infrastructure need AI doesn't replace. It helps categorize expenses faster. Verdict: AI augments accounting management, the bank account remains essential.

    Qonto Summary

    Category
    productivity tool.
    Price from
    €9/mo (Solo Basic).
    Best for
    An independent consultant or freelancer who needs a French business bank account with cards and invoicing without a traditional bank.
    Avoid if
    You need a free account, or your monthly transfer volume regularly exceeds the plan caps.
    Alternatives
    Shine.
    ToolTrim verdict
    Solo Basic costs 108 euros/year excluding VAT for 30 transfers a month; compare that to your actual monthly transfer count before choosing a tier.

    Frequently asked questions. What people ask about Qonto.

    What is Qonto used for?

    Qonto is a French business bank account with IBAN, cards, invoicing and accounting sync for freelancers and small teams.

    How much does Qonto cost?

    Qonto costs €9/month (Solo Basic plan). Price verified on September 25, 2026.

    Is Qonto suitable for beginners?

    An independent consultant or freelancer who needs a French business bank account with cards and invoicing without a traditional bank.

    Is Qonto worth the price?

    Solo Basic costs 108 euros/year excluding VAT for 30 transfers a month; compare that to your actual monthly transfer count before choosing a tier.

    What are the best alternatives to Qonto?

    The main alternatives to Qonto are: Shine.

    Guides. To go further with Qonto.

    Stacks. Where Qonto fits in.

    QontoFrom €9/mo
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    Your next step.

    Visit Qonto