Qonto is a modern banking platform designed specifically for startups and small businesses. With Qonto, you can simplify your financial management, streamline your banking processes, and gain greater control over your finances. The Qonto banking platform offers a comprehensive suite of features tailored to the unique needs of startups. You can open a business account quickly and easily, without the need for cumbersome paperwork or length approval processes. Qonto provides a seamless onboarding experience, allowing you to get up and running with your banking operations in no time. One of the key advantages of Qonto is its user-friendly interface and intuitive design. The platform offers a clean and intuitive dashboard where you can manage your finances, track transactions, and access real-time insights. Qonto makes it easy to categorize expenses, generate reports, and gain a clear overview of your financial health. With Qonto’s software, startups can benefit from advanced payment functionalities. You can make and receive payments easily, whether it’s local or international transactions. Qonto supports multiple currencies, enabling you to expand your business globally and simplify your international banking needs. The platform also integrates seamlessly with accounting software, saving you time and effort in reconciling your financial data. There are thousands of startups and small businesses that rely on Qonto’s platform to manage their finances and simplify their banking operations. Qonto’s modern approach, dedicated support, and tailored features make it a trusted partner for startups to streamline your financial management and focus on your core business. Gain better control!
Features
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Simplified accounting
Payment receipts, VAT collection and expense reports are simplified: no more need to worry about audits.
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Multiple accounts
An account per expense items (salaries, suppliers, contributions, taxes) so you can better control your finances.
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Integrations
Secured connexions with dozens of availables softwares and apps to automate your finances' management.
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Mobile app manageability
Keep your finances under control from the palm of your hand with Qonto's mobile app. Check your balances any time, anywhere, and make payments on the go.
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Expense categorization
Say goodbye to manual accounting. Qonto allows you to automatically categorize expenses by type, so you can easily keep track of your spending and know where your money is going.
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Payment tracking
Know exactly when payments are made and received with Qonto's payment tracking feature. No more waiting for bank statements or worrying about missed payments.
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Multi-user access
Collaborate seamlessly with your team by granting multi-user access to your Qonto account. Set different levels of permissions and control who can make payments, view transactions, and more.
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Freezing cards
Protect your business from fraud by freezing and unfreezing your Qonto cards in real time. If you suspect a card has been compromised, freeze it instantly and avoid unauthorized charges.
Pricing
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Basic
$11 / per month
- 1 Mastercard debit card- 30 SEPA transfers/direct debits per month- Built-in invoicing tools
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Smart
$23 / per month
- 1 Mastercard debit card- 60 SEPA transfers/direct debits per month- 1 sub-account with its own IBAN
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Premium
$45 / per month
- 1 Mastercard debit card- 100 SEPA transfers/direct debits per month- 4 sub-accounts with dedicated IBANs
Pros and cons
Pros
- Customer service: Qonto’s customer support is competent and very responsive
- Many features: Qonto offers very relevant accounting or investment features
- Many company statuses: The online bank accepts 7 different company types (including LTDs, EURL and SARL)
Cons
- Lack of certain services: The neobank does not offer banking products, overdraft or chequebook
- Monthly constraints: There is a monthly limit to the number of transfers and cash-ins