The business account with built-in finance tools.
Give your business banking a boost
Pay and get paid faster
Keep control over team expenses
Enjoy more efficient bookkeeping
Business Account & Cards
Give your business banking a boost
German IBANs, Mastercard payment cards, instant, recurring & international transfers, Apple/Google Pay, financing, and much more.
Invoice Management
Pay and get paid faster
Centralize all your invoices and quotes. Automate how you collect payments and process supplier invoices in 25+ foreign currencies.
Expense & Spend Management
Keep control over team expenses
Stay in control of budgets and manage team expenses easily thanks to sub-accounts, physical & virtual cards and automated receipt reminders.
Bookkeeping & Cash Flow
Enjoy more efficient bookkeeping
Connect Qonto directly with DATEV, Lexware Office, and many other platforms. Get real-time cash flow insights and read-only accountant access.
All you need to accept payments, pay and manage transactions seamlessly
Everything for smooth payments
A business partner you can rely on
At your service 7 days a week
Get answers to your questions within minutes, 7 days a week. When it comes to customer service, our customers’ reviews and ratings do the talking for us.
Read our reviewsA safe, secure account
Qonto is a licensed Payment Institution so your funds are fully safeguarded by law. Your account and operations are protected by 3D-Secure and Strong Customer Authentication technologies.
Learn about account safetyWhatever your size, sector, or stage of growth
Simplified business banking for sole proprietors and freelancers.
Centralized invoicing, faster payments. More time for your business.
Manage your business finances in real time. With increased efficiency and maximum control.
Get your startup started and open your business account online.
Start your GmbH or UG in record time - 100% online.
Register your freelance activity for free and open your business account online.
“With Qonto, I have a direct, personalized customer service contact and I always get quick assistance.”
“Qonto helps us grow sustainably. With its simplified, optimized processes, we gain valuable time for our business every day.”
Co-founder of Lotta Ludwigson
“Qonto is the digital solution we have been looking for. Qonto helps us manage our income and expenses easily and efficiently.”
Founder & CEO of onGRID
“With Qonto, we don't need an extra tool for expense reports or invoice management. We have it all in our business account.”
Country Manager of Germany Fleet
Accept & make payments with ease
Cards for every need
Mobile Payment Terminal
Tap to pay
Payment Links
Accelerate client payments using invoices with embedded payment links.
Ready? Let’s get you started!
We want to protect what’s precious to you as an entrepreneur: your time, energy, and focus. Let Qonto get your finance admin done faster, right from the very first click.
