Scribble Profiles
Browse the directory

Qonto

Unclaimed

By Qonto SA

A French online business account and finance-management platform that combines a payment account with a local IBAN, Mastercard debit and credit cards, invoicing, expense management, bookkeeping, cash-flow forecasting and credit options.

qonto.com ↗Structured profile ↗

Prepared by Scribble from public sources.

Reviewed public sources (5)

Snapshot

Continue to About ↓
What it does
  • A French online business account and finance-management platform that combines a payment account with a local IBAN, Mastercard debit and credit cards, invoicing, expense management, bookkeeping, cash-flow forecasting and credit options.
More detail
  • It also offers company registration and share-capital deposit services in France, and is a licensed payment institution rather than a bank.
Best for
  • Freelancers, micro-businesses and SMEs registered in France, Germany, Italy, Spain, Austria, Belgium, Portugal or the Netherlands that want banking, invoicing, bookkeeping and expense management in one place.
More detail
  • Small teams needing multi-user access with customizable permissions and 24/7 human support.
Pricing
  • Subscription plans are billed excl.
More detail
  • VAT, quoted here as monthly equivalents on annual billing (monthly billing also available): Basic €9/month (€108/year) with 30 transfers/month, 1 physical and 2 virtual cards
  • Smart €19/month (€228/year) with 100 transfers/month, 2 physical and 50 virtual cards, o
Main limitation
  • Anyone seeking a personal bank account, since Qonto does not offer them.
More detail
  • Businesses registered outside its eight European markets, and companies wanting a licensed bank rather than a payment institution with partner-bank safeguarding.
Record
Living and monitored
Reviewed
Evidence
Public web research

About

  • A French online business account and finance-management platform that combines a payment account with a local IBAN, Mastercard debit and credit cards, invoicing, expense management, bookkeeping, cash-flow forecasting and credit options.
  • It also offers company registration and share-capital deposit services in France, and is a licensed payment institution rather than a bank.

What it helps with

Capabilities

A practical view of what is available and where limitations apply.

OfferingAvailableDetail
Business account with local IBAN YesInstant online onboarding; account opening is 100% online.
Mastercard debit and credit cards YesInstant or deferred debit; limits up to €200,000/month.
SEPA and international transfers YesTransfer counts are capped per plan: 30, 100 or 200 per month.
Invoicing with payment links YesQuotes and invoices, with AI drafting subject to human review.
Compliant e-invoicing YesIncluded in all plans as a Certified Approved Platform; oriented to the French mandate.
Expense management and bookkeeping YesTeam receipts and reimbursements centralized and auto-matched to transactions.
Cash-flow forecasting LimitedListed from the Smart plan upward, not on Basic.
Credit and working capital YesOverdraft, deferred debit and pay later offered.
Company creation with capital deposit LimitedAvailable in France, excluding SCIs and French overseas departments and territories.
Integrations YesSite claims 2,000+ external tools; Stripe, Slack, Sage and Cegid are named.

Bot trust

How confidently AI systems can verify this profile from public evidence.

—of 100
ChatGPT—/100
Claude—/100

This profile has not completed a Bot Score assessment yet.

Evidence

Where this record came from, when it was reviewed, and how confidently it can be used.

Verification
  • Scribble researched these facts from the linked public sources.
  • The owner has not manually confirmed every field.
Last reviewed
Primary source
qonto.com
Technical profile details
Record ID848bc870-2771-4410-9867-c4d8864f34baCanonical URLhttps://profiles.scribble.network/listing/qonto-financial-solution-for-professionals-848bc870