10 hrs / month
“We save over 10 hours managing invoices and expense reports.”
Marta Lozano, CEO of Crowdcube
Marta Lozano, CEO of Crowdcube
Spend management built into your business account
Cards, budgets, receipts, and reimbursements on the same account your money sits in — automatically matched by AI. No manual syncing required.
Use cases
Receipt management
Scan receipts directly in the app for fast reimbursement. Auto-block cards when missing receipts
Team travel expenses
Manage travel expenses: cards, receipt scanning, meal allowance, and automatic budget allocation
Expense reimbursement
Reimburse expenses automatically. Group them into one report to submit and approve in one click
Permissions & approval workflows
Control who can spend and approve, with custom permissions and approval workflows for every team
Learn how to save time & money with Qonto
Our experts will call you back within an hour (weekdays from 9:30 AM to 6:30 PM) to schedule a demo.
10 hrs / month
“We save over 10 hours managing invoices and expense reports.”
Marta Lozano, CEO of Crowdcube
Marta Lozano, CEO of Crowdcube
Our experts will call you back within an hour (weekdays from 9:30 AM to 6:30 PM) to schedule a demo.
600,000+ companies trust Qonto
Expenses that close themselves
Without Qonto
Paper receipts are collected and sent to the HR team once a month, who then have to process them.
With Qonto
Open the Qonto app, log expenses, take a photo of the receipt, and get reimbursed within 48 hours.
“With Qonto, we've solved our receipt chaos. Now I approve expenses with one click — and my team members get their expenses reimbursed. I've never seen this in any other tool.”
Hans-Peter Frank,
Country Manager Germany, Fleet
Built for how your team actually spends
Issue a card for every purpose, at no extra cost
Issue virtual cards with their own limit and category in seconds.
Keep all expenses within budget
Set spending limits and block expenses not allowed by your policies.
Reimbursed before they've forgotten they paid
Reimbursed before they've forgotten they paid
Here's how reimbursement works:
- Employees log expenses and attach digital receipts.
- Managers can approve reimbursement with one click.
- Enter your meal allowance for business trips and get reimbursed faster at official BMF rates.
“Before, collecting all these receipts was extremely time-consuming. Now I simply upload all my receipts via the app and they're transferred directly to DATEV. That saves me at least five hours a month.”
Julia Kounlavong,
Founder & CEO, unwind your mind
Cash flow that's never out of date
See every recurring charge in one place, with reminders before it renews
Card payments and reimbursements update your cash flow, no export needed
Promote approvers or give view-only access, no IT or login sharing
Expenses matched by AI instantly. Export to Lexware or DATEV, no manual sync
Set a virtual card with the exact limit, then deactivate it when done
More insights on expense management with Qonto
More insights on expense management with Qonto
“With Qonto, our bookkeeping has become much faster and easier. Instead of searching for receipts, scanning them, and uploading them, we can simply photograph them and match them automatically online to the correct transaction.”
Benita Krahforst,
CFO, Meine Erde
More insights on expense management with Qonto
“With Qonto, we cut time wasted on processes that don't add value. Digital receipt management alone saves us so much time at the end of each month.”
Max Hüsch,
Founder and CEO, Meine Erde
Tailored financial solutions for your industry
Consulting firms
Optimize your projects with sub-accounts and automate your expense management.
Tech companies
Create and track your project budgets and control payments in real time.
Media & advertising agencies
Keep expenses in check with virtual cards and benefit from high payment limits.
Manage expenses faster with full visibility
With comprehensive features for cash flow management and expense tracking, you can keep an eye on your team's spending at all times.