# Qonto review (2026): is it worth €9 a month, billed yearly? > European business account with cards, transfers and invoicing Checked Nov 13, 2026 · graded Nov 13, 2026 by ToolGPA. Qonto is a business account for companies in Europe, with a local IBAN, physical and virtual payment cards, SEPA and international transfers, and electronic invoicing. Higher plans add sub-accounts, accountant access with accounting integrations, cash-flow forecasting and subscription tracking. Prices are in euros, excluding VAT. - **Category:** Spend & Bill Pay - **Made by:** Qonto - **Website:** https://qonto.com/en - **Runs on:** Web - **Who should skip it:** Skip it if you run a US-only business, because the country picker lists only those European countries. - **Facts last checked:** Nov 13, 2026 ## Pricing As of Nov 13, 2026, Qonto is a paid product with a free trial, starting at €9 per month excl. VAT, billed annually. - **Pricing model:** Free trial - **Free plan:** None. - **Free trial:** 1-month free trial on Basic, Smart and Premium. | Plan | Price | What you get | | --- | --- | --- | | Basic | €9 per month excl. VAT, billed annually (€108 a year) | Account with local IBAN, 30 transfers a month, 1 physical card and 2 virtual cards, payment links and e-invoicing. | | Smart | €19 per month excl. VAT, billed annually (€228 a year) | Adds 1 sub-account, 100 transfers, 2 physical and 50 virtual cards, cash-flow forecasting and accountant access. | | Premium | €39 per month excl. VAT, billed annually (€468 a year) | Adds 4 sub-accounts, 200 transfers, 50 Instant cards, subscription tracking, 0.56% FX and 7-day priority support. | Read from https://qonto.com/en/pricing on Nov 13, 2026. Prices change, so confirm with Qonto before buying. ## Key features - **Business account with local IBAN:** Sub-accounts on Smart and Premium each get their own IBAN, to separate budgets, taxes and activities. - **Physical and virtual cards:** Every plan includes physical and virtual cards; the One Card is included, with Card Plus (+€8 a month) and Metal Card X (+€20) as upgrades. - **Transfers and direct debits:** SEPA transfers, instant transfers and outgoing direct debits, plus international transfers in USD, GBP and CHF powered by Wise. - **Invoicing and payments:** Compliant electronic invoicing is on every plan, along with payment links, Tap to Pay and POS terminals for in-person payments. - **Accounting and forecasting:** Smart and Premium add accountant access, accounting integrations and cash-flow tracking and forecasting. - **Account remuneration:** Smart and Premium pay interest of 5% AER for 2 months, then 1.5% AER, with at least 5 eligible transactions a month. ## Good for - Small European companies that want one account for cards and invoicing - Teams issuing virtual cards for subscriptions and online spend - Freelancers and micro-businesses on a low monthly fee ## Worth knowing - Prices are in euros, excluding VAT, and the page shows monthly equivalents of annual plans; monthly billing exists but its prices were not shown. - The country picker lists France, Germany, Spain, Italy, Austria, Belgium, Portugal and the Netherlands, so it is not for US-only businesses. - Extra transfers cost €0.20 each beyond the monthly allowance on Basic and Smart, and extra virtual cards cost €1 to €2 a month. - Incoming SWIFT transfers above €500 cost €5, and outgoing standard-currency international transfers cost 0.8% (min. €5) on Basic and Smart. ## ToolGPA grades **GPA: 2.0 out of 4**, graded Nov 13, 2026. Qonto is a business account with cards, transfers and invoicing, from €9 a month billed annually. It is built for companies in a handful of European countries, and some fees stack up, so US-only businesses should look elsewhere. - **Value for money: C.** Basic is €9 a month excl. VAT billed annually (€108 a year), Smart €19 and Premium €39. Roughly $10 for the entry plan sits just above the cheaper quarter of expense tools, which starts at $8.99. - **Free plan and trial: C.** A one-month trial on Basic, Smart and Premium, with no free plan. The page we read does not say whether a card is needed. - **Features: C.** Account with local IBAN, physical and virtual cards, transfers, direct debits, invoicing and accounting links. It is a bank account first, with no receipt or expense-report tool listed. - **Ease of use: C.** No store rating on record. Opening a business account involves identity and company checks before anyone is productive. - **Platforms and integrations: C.** Web only on the listing, and no integrations named. These are ToolGPA's own grades. Graded from this listing, whose facts were read from Qonto's own pages on 13 November 2026. Not based on using the product, and shorter than our full reviews. ## Where it stands among spend and bill pay tools - Qonto's GPA of 2.0 is higher than 39 of the 76 other spend and bill pay tools we grade, and level with 6. - Its paid plans start at about $10.05 a month, against a middle price of $12 for the category: 12 of the 36 others that charge start lower. - On features, ease of use and platforms it scores 2.0 out of 4. 14 tools score higher and cost less. The category's chart of price against score: https://toolgpa.com/charts/expenses ## Keep it, or make your own? **Keep it.** To replace Qonto you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one. It costs $120.66 a year. - You could make: Invoicing and expense tracking: an app builder makes these well. - You could not: Cards issued through a bank. - You could not: AI features, unless you pay a model provider for each request yourself. A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it. **Tags:** Company cards, Invoicing, Expense tracking, AI features ## Alternatives - [Pleo](https://toolgpa.com/tools/pleo): Company spending cards and expense reports from Copenhagen. [Compare](https://toolgpa.com/compare/pleo-vs-qonto) - [Spendesk](https://toolgpa.com/tools/spendesk): Spend management with unlimited cards and users, priced by quote. [Compare](https://toolgpa.com/compare/qonto-vs-spendesk) - [Payhawk](https://toolgpa.com/tools/payhawk): Cards, expenses, payables and travel in one spend platform. [Compare](https://toolgpa.com/compare/payhawk-vs-qonto) - [Moss](https://toolgpa.com/tools/moss): Corporate cards, reimbursements and payables for EU companies. [Compare](https://toolgpa.com/compare/moss-vs-qonto) - [Airwallex](https://toolgpa.com/tools/airwallex): Multi-currency business accounts, cards, bill pay and expenses. [Compare](https://toolgpa.com/compare/airwallex-vs-qonto) ## Sources The prices, plans, platforms and features above were read from these pages on Nov 13, 2026: - https://qonto.com/en/pricing - https://qonto.com/en Page: https://toolgpa.com/tools/qonto Listed by ToolGPA (toolgpa.com).