Qonto, the online bank that changed our lives! Discover our full review and all the details of our incredible experience

Discover Qonto, an online bank dedicated to professionals

If you are a professional looking for a flexible and innovative banking solution to manage your finances online, Qonto is here to meet your needs. As an online bank dedicated to professionals, Qonto offers banking and accounting services tailored to independent entrepreneurs and small businesses. With Qonto, you benefit from a mobile professional account, simplified accounting management, Mastercard Business cards, check deposits, and an invoicing tool. In this article, we will present our full review of Qonto and its features to help you make the best choice for your business.

Qonto, a solution for SMEs and VSEs

Launched in 2017, Qonto is an online financial management solution designed specifically for independent contractors and small businesses. Qonto was the first banking alternative for professionals to obtain payment institution approval (ACPR). In 2021, Qonto was selected to be part of the Next40, the index of the most promising young companies in “French Tech”. Today, Qonto has more than 350,000 customers using its services.

What types of entrepreneurs is Qonto made for?

Qonto offers offers adapted to all legal statuses, in particular individual entrepreneurs, commercial companies, civil companies and associations. Qonto is aimed at all independent professionals, with offers specifically designed for self-employed people, EURLs, SASUs, civil companies, SARLs and SASs.

Qonto features and offers

By opening a professional account with Qonto, you have access to three banking plan options. All plans include the creation of a French IBAN, a Mastercard Business card, the possibility of a 30-day free trial and customer support available 24/7. In addition, Qonto offers numerous guarantees, such as assistance in the event of fraudulent payment or withdrawal, guarantee in the event of a dispute and the possibility of paying online with Apple Pay and Google Pay.

The first offer: the Basic rate

The Basic rate is the standard plan offered by Qonto. Its price is €9 excluding VAT per month (annual payment). This offer is suitable for independent entrepreneurs in creation or small structures. It includes 30 instant transfer sends and receipts, customer support available 24/7.

The second offer: the Smart tariff

The Smart tariff is offered at a price of €19 excluding VAT per month (annual payment). This formula offers additional tools to help you with your banking and accounting management. It includes 60 SEPA and SWIFT transfers and direct debits, 2 collections from the Qonto application, a pre-accounting pack and a personalized invoicing tool.

The third offer: the Premium rate

The Premium rate is the most complete plan, offered at a price of €39 excluding tax per month (annual payment). It is mainly aimed at SMEs and companies. This offer includes 100 transfers and direct debits, 5 check cashings, the pre-accounting pack, the invoicing tool and other advanced features.

If you are interested in these offers, you can benefit from two months free on the Basic and Smart offers through the Auto-Entrepreneur Portal.

It is important to note that Qonto does not charge transaction fees, unlike some traditional banks.