The account
built for bookkeeping

When you attach your digital receipts and invoices to your Qonto account, we certify and store them. Thanks to probative value certification, the digital version of these receipts and invoices have the same legal value as the original.

In the event of an audit, you can justify an expense by providing the relevant authorities with the digital version of the document that has been certified by Qonto.

While many banking institutions allow you to attach a picture of your receipts, not all of them actually certify them. Keep your eyes wide open when looking for your new business account and make sure the provider you choose handles this crucial step for you.

Qonto is backed by a service provider to create an automatic electronic signature and digital stamp for each receipt or invoice attached to Qonto. You'll also be able to get the exact date and time of the certification.

Once submitted and certified, your receipts and invoices are stored indefinitely and securely, in line with European eIDAS regulation. In the event of an audit, all you have to do is to export your receipts.

Probative value certification means the receipts scanned have the same value as the paper receipts. To make sure that the documents uploaded to Qonto are certified, you will need to ensure that the digital copy of the document is 100% identical to the original:

• The document copy should be readable and unmodified
• The colors of the document should be the same as on the original document
• The document copy should not be cropped or cut

If the documents submitted do not comply with our recommendations, only the original paper version of the receipt will be valid in the event of an audit. To learn about your company's policy regarding probated receipts, we advise you to discuss it with your accountant.

Thanks to integrations and partners, you have access to numerous integrations for the most popular accounting tools. These include:

When data is shared with DATEV, the name and IBAN of the payer and recipient, as well as the amount and payment reference of transactions, are synced.

Our partner Lexware Office is suited for freelancers exempt from strict bookkeeping requirements, as well as for businesses required to use double-entry bookkeeping.

Accountable matches all your scanned receipts with the corresponding bank transaction. By connecting to your bank account, you can see in real time how much money you have left after tax, giving you an overview of how much to set aside for VAT and income tax.

sevDesk is the software solution for simplified bookkeeping, making it suitable for freelancers and small business owners. Its features include invoice management, preparatory bookkeeping, and inventory management.

This depends on your legal structure. For capital companies such as a limited liability company (GmbH) or entrepreneurial company (UG), a business account is legally required.

For sole traders, freelancers, small business owners, and partnerships such as a civil law partnership (GbR), a business account isn't mandatory.

At the latest when your business grows and your bookkeeping and financial management become more complex, it's worth considering a business account so you don't lose track of your finances. A business account can also be worthwhile for small business owners who want to keep everything organized.

As long as you're not running a capital company - meaning you're not legally required to have a business account - you can also use a personal checking account for your business income and expenses. This applies, for example, to sole traders, freelancers, small businesses, and partnerships such as a GbR.

That said, to keep all income and expenses cleanly separated and save time on bookkeeping, it can still be worthwhile for these businesses to open a business account from the start.

You have a wide range of providers to choose from. We'd recommend comparing different offers and calculating how much a business account costs per year, including all fees. For example, consider the costs for:

• any fees for accounting features
• the annual or monthly base fee for the account
• debit and credit cards
• SEPA instant transfers and direct debits
• withdrawing cash at an ATM
• account management