Qonto

Name: Qonto
Price: €9-299/mo EUR

Modern business banking for SMEs and startups. Multi-user access, virtual cards, integrations.

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Features

✓IBAN account
✓Virtual cards
✓Multi-user
✓API

Pros

Modern UX
Fast onboarding
Good integrations
Startup-friendly

Cons

No cash deposits
Limited to EU
No credit products

Integrations

lexofficesevdeskslackzapier

Connection Types

Native(6)Import/Export(1)

7 known connections

Best For

startupsdigital businessesagencies

About Qonto

Qonto has established itself as one of Europe's leading business banking solutions, specifically designed for SMEs, startups, and growing companies. Founded in France in 2016, Qonto has expanded across Europe and now serves over 500,000 businesses. The platform combines a German IBAN business account with powerful financial management tools including unlimited virtual cards, multi-user access with granular permissions, and real-time expense tracking. What sets Qonto apart is its focus on team collaboration—finance teams can issue cards to employees, set spending limits, and approve expenses all within the platform. The integration ecosystem connects seamlessly with German accounting software like lexoffice and sevDesk, making month-end reconciliation significantly faster. For startups seeking funding or scaling quickly, Qonto offers dedicated account managers and can accommodate complex corporate structures. The API-first approach means developers can automate financial workflows, while the clean mobile app keeps business owners informed on the go.

Qonto Pricing Plans

Basic (€9/mo): 1 user, 1 physical card, 30 transfers—solo entrepreneurs
Smart (€19/mo): 2 users, 2 cards, unlimited transfers—small teams
Premium (€39/mo): 5 users, 5 cards, expense management—growing companies
Essential (€99/mo): 10 users, priority support, API access—scale-ups
Business (€299/mo): Unlimited users, dedicated manager—established businesses

Virtual Cards for Modern Businesses

Qonto's virtual cards are instantly created and perfect for online subscriptions, SaaS tools, and ad spend. Create a card per vendor or project, set spending limits, and maintain clear expense attribution. When a subscription is cancelled, simply delete the card—no vendor can charge you again.

Team Expense Management

Card controls: Per-card spending limits, merchant restrictions, ATM limits
Receipt capture: Snap photos of receipts, attach to transactions instantly
Approval workflows: Manager approval for expenses over threshold
Real-time notifications: Instant alerts for all card transactions
Export for accounting: One-click export to lexoffice, sevDesk, DATEV

Opening a Qonto Account in Germany

Account opening takes about 15 minutes online. You'll need: company registration documents (Handelsregister or Gewerbeanmeldung), identification for all beneficial owners, and proof of address. Qonto supports GmbH, UG, OHG, KG, GbR, and Einzelunternehmen. Approval typically happens within 24-48 hours.

Qonto vs Traditional German Banks

Speed: Account open in days vs weeks at traditional banks
Digital-first: No branch visits, everything online and mobile
Transparency: Clear pricing vs hidden fees at traditional banks
Modern features: Virtual cards, API, integrations not available elsewhere
Limitations: No cash deposits, no credit facilities, no investment products

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