Financial Tools Vertical

One account. Multiple finance tools. All working together.

Invoicing, bill pay, expense management, and cash flow tools — all built directly into your account, all included in the plan that fits your business.

Explore the tools
Book a demo

The finance tools you need. All in your plan.

Compliance flow invoicing

Get paid 3x faster 

Create and send compliant e-invoices and get paid up to 3x faster with embedded payment collection options.
Suppliers invoices organised

Automate your admin

Pay, match, and reconcile supplier bill payments right where you manage your money. All automatically. 
Team Expenses Management

Team expenses under control

Set your spending rules, then let your teams operate within them. Track spend live, not at the month's end.
Forecast Cash Flow

See your cashflow 90 days ahead

Forecast your cash flow up to 90 days ahead to spot cash gaps before they happen. All updated in real time.
Book a demo

Your account and your tools, all connected

Book a demo
Overview Financial Tools

Step 1
Money comes in
Send quotes and invoices, then let client payments match up to them automatically the moment they hit your account.
Step 2
Money goes out
Supplier bills arrive, you approve and pay. Payments auto-reconcile to the right bill, saving you time on bookkeeping. 
Step 3
Your team spends
Let your team request cards and spend within your pre-set limits. Uploaded receipts then match instantly to payments.
Step 4
You see it all, as it happens
Monitor all your incomings and outgoings in real time, with built-in forecasts to show you what's coming in and out next.

Does your bank help you get paid faster?
Qonto does.

Quote, invoice, get paid. All with one account that's built to help your clients pay you faster.

Accounts Receivable Financial Tools

Step 1
Create a quote in Qonto
Create and send as many client quotes as you need, at no extra cost and in just a few clicks.
Step 2
Convert it to an invoice
One click turns the signed quote into an invoice with an embedded payment link.
Step 3
Job paid, admin done
Your client's payment auto-matches to the right invoice, for instant reconciliation and easy bookkeeping.
Book a demo
Discover invoicing

Your accountant will love it too

Give your accountant reliable, real-time access to all the data they need, whenever they need it. 

Learn more

Does your bank do your bill pay admin for you?
Qonto does.

Pay, match, and reconcile supplier bills right where you manage your money, all automatically. Hours of manual entry, done in minutes.

Accounts Payable Financial Tools

Step 1
Bills arrive on their own
Route all your supplier invoices directly to your account from wherever they arrive (email, Dropbox, Drive...).
Step 2
Your account reads the data
Amount, supplier, and due date are read off the invoice and filled in for you. Nothing to type or copy-paste.
Step 3
Pay or schedule in one click
Your payment automatically matches with the right invoice. All reconciled and bookkeeping-ready.
Book a demo
Discover bill pay

Does your bank automate your team expenses?
Qonto does.

Set your spending rules, then let your teams operate within them. See each team's spend when it happens, not at the month's end.

Expense Spend Management Financial Tools

Step 1
You receive an expense request
A team member creates an expense claim and attaches a photo of the receipt.
Step 2
Approved in one click
The request is automatically directed to the right manager, who can approve in one click or a tap on mobile.
Step 3
Processed straight away
The expense is reimbursed immediately. You see each team's spend when it happens, not weeks later.
Book a demo
Discover expense management

Does your bank foresee future cash flow gaps?
Qonto does.

See your cash flow in the past, present and future, with forecasting up to three months ahead.

Cashflow Management Financial Tools

Step 1
Real-time visibility
Your account balance updates with every transaction you make, automatically and in real time. 
Step 2
Automatic categorization
Your account categorizes your transactions for you. No need to tag each one manually.
Step 3
Check your 90-day forecast
With upcoming transactions taken into account, your dashboard projects your balance 90 days out.
Book a demo
Discover cash management

Works with the tools you already use

Connect Qonto with other accounting, ERP and payroll platforms - or to your AI tools with Qonto MCP - to keep data flowing automatically.

Discover integrations

Our finance tools are built-in, not bolted on.

All the tools you need to run your business, connected directly to the account at the heart of your finances. All included in our plans.  

Book a demo

Our blog articles

WEB Iconography Document WbRvmp

Affordable business account

What's the most affordable business account for my company? What should I consider when opening one?

WEB Iconography Document WbRvmp

Difference between business and personal account

Are you using a standard account or is a business account better? Is a business account mandatory?

WEB Iconography Black Bank

Open a foreign bank account

In 2026, international business is more the norm than the exception, whether you have clients abroad or pay suppliers in foreign currencies.

WEB Iconography Black Self Employed

Best business account for freelancers

As a freelancer, focus on your business — not on administration, paper receipts, and slow bank processes.