Is Qonto a bank?
Qonto is a payment institution supervised by the Banque de France (under number CIB 16958). We allow existing companies as well as companies that are under the registration process to benefit from a current account and all the means of payment they need to run their activity efficiently (physical and virtual cards, debits, transfers, check deposits).
More than 100,000 SMEs have already chosen to join Qonto to efficiently manage team expenses. It is secure and integrated into your work ecosystem – also providing a competent customer service.
As a regulated payment institution, all of our clients' funds are secured by our partner Crédit Mutuel Arkéa and covered by the Fonds de Garantie des Dépôts et Résolution (FGDR) to up to € 100,000. Unlike a traditional bank account, a Qonto account can’t be a debtor and doesn’t allow cash deposit.
Who can open an account on Qonto?
Qonto is made for all professionals and companies looking for financial and accounting management optimization. Business current account openings are currently accessible to companies registered in France (SA, SAS, SASU, SARL, SC & SCI, EURL, liberal professions, micro-entreprises). Qonto also facilitates the creation of businesses by giving future entrepreneurs the opportunity to open an account and execute the initial share capital deposit (excluding SCI and overseas departments and territories) necessary for the registration (along with the Kbis and SIREN number obtention).
How to open a Qonto account?
For existing companies or the ones under registration, the Qonto account opening process is 100% online and will take you less than 15 minutes. All you need to do is to upload your identification documents and a proof of residency from owners and shareholders. Once your account is validated you can order your card(s) and manage your business finances in a few clicks. The account will be validated within less than 24 business hours for an existing company. Companies under registration will receive the funds' deposit certificate per email within 72 hours after the capital deposit (the original version is sent by registered mail).
No hidden fees
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