Qonto - Business Finance App

Qonto

About this app

Qonto makes day-to-day banking easier for SMEs and freelancers, thanks to an online business account combined with invoicing, bookkeeping and spend management tools. With an innovative product, highly responsive 7/7 customer service and clear pricing, Qonto has become the European leader in its category.

Get started with a powerful Business Account for all your everyday banking needs.

- Local IBANS in France, Italy, Spain & Germany
- Payment cards: spend up to €200,000/month. No hidden costs. Pay online, in-store, and abroad, whatever the situation, our range of free and premium corporate cards included in your subscription has got you covered.
- Transfers: flexible payment methods - from instant SEPA to SWIFT - so you can pay, and get paid, faster.
- Transactions: unlimited history and real-time notifications.
- Financing: easy access to integrated financing options.

Then, leverage our Financial tools to keep track of your money and help you grow your business.

- Invoice management: centralize invoices & receipts in one place, get paid faster & automate your outgoing payments.
- Spend management: control team spending with budgets, automatic receipt collection & tailored access.
- Bookkeeping: collaborate seamlessly with your accountant, connecting to our suite of tools, and get a full, real-time cash flow overview.

Ratings and reviews

It has some good features, like instant transfer. However, basic functionality like getting an account statement doesn't exist. You have to wait for the month to complete to get bank statements. That is harmful to businesses who need to proof income to others. Now it's the first of September and miraculously still no account statements available. At the same time they charge about 20 euros for their service. I'm annoyed enough to consider closing my account and open it with a serious provider

Just 2 months, business account, too many problem with card, lots of extra charges on int trips, pin and app had proboems and card finally blocked, i advised the customer service that i sm not happy and intend to close account, both told me good luck🖐 looking for new option to tranfer my fund

The verification process of Qonto and the responsible partner Fourthline DO NOT care about some foreign nationals. At least they don't care enough to make their app inclusive. After multiple submissions (one upon their request that I verify "Just one more time") - they refused to offer a solution for my account. Much time was wasted, and inconvenience caused. Qonto did not take responsibility - they just pointed at their partner. Revolut are better in this regard - more flexible and inclusive