Smart banking for small businesses.
Open a fully featured account in 5 minutes.
Open your account online in 5 minutes. Also available for companies in the process of incorporation.
Immediately get your account details (IBAN) and start sending and receiving cash worldwide.
Manage physical and virtual cards for your company in one place and receive real-time notifications of their activity.
Sleep peacefully: your money is safe as we are supervised by the Banque de France.
✓ Collaborative interface with specific login and rights for each type of users (employee, manager, admin).
✓ Validation workflow for spending and receipts upload.
✓ Specific access for your accountant.
✓ 100% online account opening without paper or snail mail.
✓ Automatic retrieval of your online bills for recurring services.
✓ Efficient management of corporate expenses to avoid hunting for receipts.
✓ Fast international transfers, with clear and reduced fees.
✓ Integration with services you use everyday.
✓ Partnership with Fintech services to improve efficiency and get best prices.
Is Qonto a bank? No, Qonto is operating under the payment services regulation, supervised by the Banque de France. Qonto is a current account with all classic operations (transfers, card payments, etc.) but, contrary to a traditional bank account, cannot be overdrawn.
Is Qonto really safe? Absolutely. With Qonto, deposits are segregated on an account that only you can access, employees each have specific access adjustable in real-time and the service is built on a robust and secured architecture (HTTPS, 2048-bit SSL certificate with TLS encryption, ECDSA using P-256 and SHA-256 algorithm).
How long does it take to open an account? Opening a Qonto account takes 5 minutes, and is done 100% online. No paper, no snail mail, you will get your online banking credentials and account number (IBAN) as soon as your subscription is validated.
How long does it take to receive Mastercard cards? Virtual cards are instantly generated online. For physical cards, you will instantly get the card number and its expiration date. You will get your Qonto card by post within 5 business days.