The Qonto Insider’s Guide
Everything we know about Qonto in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Qonto
The Insider’s Guide
European business account with cards, transfers and invoicing
Every plan, grade, refund rule and rival among spend and bill pay tools, read from Qonto’s own pages.
Made by Qonto · checked Nov 13, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Qonto’s own pages, its app-store listings and our grades. Every fact in it is on Qonto’s page too, where it is kept up to date. Checked Nov 13, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
2.0
GPA, above 39 of the 76 other spend and bill pay tools we grade
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.
To get you started, here are 9 things to know about Qonto, taken from its own pages and our grades.
Opening a business account involves identity and company checks before anyone is productive.
- 1
Best for a business bank account with cards for European firms
It is built for companies in a handful of European countries, and some fees stack up, so US-only businesses should look elsewhere.
- 2
Paid plans start at about $10.05 a month
As its pricing page puts it: €9 per month excl. VAT, billed annually.
- 3
You can try it first
1-month free trial on Basic, Smart and Premium
- 4
It runs on Web
Web.
- 5
Business account with local IBAN
Sub-accounts on Smart and Premium each get their own IBAN, to separate budgets, taxes and activities.
- 6
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.
- 7
Transfers and direct debits
SEPA transfers, instant transfers and outgoing direct debits, plus international transfers in USD, GBP and CHF powered by Wise.
- 8
A 2.0 GPA, above 39 of 76
That is against the other spend and bill pay tools we grade, on value, the free plan, features, ease of use and platforms.
- 9
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.
Qonto at a glance
- Pricing
- Free trial, from €9 per month excl. VAT, billed annually
- Free plan
- No
- Free trial
- 1-month free trial on Basic, Smart and Premium
- Runs on
- Web
- Made by
- Qonto
- Category
- Spend & Bill Pay
- Our grade
- 2.0 GPA, fair
The report card
Best for a business bank account with cards for European firms
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.
| Subject | Grade | Comment |
|---|---|---|
| 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. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who Qonto is for
- Fits if you run a company in France, Germany, Spain, Italy, Austria, Belgium, Portugal or the Netherlands
- Works for small teams that want account, cards and invoices in one place
Who it is not for
- Skip it if you run a US-only business, because the country picker lists only those European countries
- Tight if you do many transfers: past the monthly allowance each costs €0.20 on Basic and Smart
- Pricey if you send money abroad, with 0.8% (min. €5) on outgoing standard-currency international transfers on Basic and Smart
- Watch out: prices are in euros excl. VAT, and monthly billing prices were not shown
- Watch out: extra virtual cards cost €1 to €2 a month, and incoming SWIFT above €500 costs €5
Good to know
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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
~$10.05
A month to start
Qonto is a paid product with a free trial, starting at €9 per month excl. VAT, billed annually.
A one-month trial on Basic, Smart and Premium, with no free plan.
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.
Trying it first
1-month free trial on Basic, Smart and Premium
Read from qonto.com on Nov 13, 2026.
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
1
Place it runs: Web
European business account with cards, transfers and invoicing. Here is what it does, as its own site describes it, and what it covers: AI features, invoicing, expense tracking, company cards.
Account with local IBAN, physical and virtual cards, transfers, direct debits, invoicing and accounting links.
- 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.
Where it runs
- Web
What it works with
Its own pages name no integrations.
Qonto is made by Qonto.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
39/76
Other spend and bill pay tools it is graded above
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.
Each grade against the category
Every bar is all 77 spend and bill pay tools we grade, cut by the letter each got. Qonto’s own letter is outlined.
- CValue for moneyAbove 5 of 76
- CFree plan and trialAbove 45 of 76
- CFeaturesAbove 4 of 76
- CEase of useAbove 0 of 76
- CPlatforms and integrationsAbove 0 of 76
Price against what you get
Each dot is one of 39 spend and bill pay tools. Further left costs less; higher up scores better on features, ease of use and platforms. Qonto is the marked dot.
What paid plans start at, a month (each step along is roughly double) →
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
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.
What you could make
- Invoicing and expense tracking: an app builder makes these well.
What you could not
- Cards issued through a bank.
- AI features, unless you pay a model provider for each request yourself.
What this rests on. Qonto’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Pleo, Spendesk, Payhawk, Moss and Airwallex
The 5 tools Qonto is most often weighed against, with where each one differs from it.
- 1.8GPA
Pleo
From $12/mo
Company spending cards and expense reports from Copenhagen.
- Only Pleo lists iOS and Android apps.
- Qonto also covers invoicing.
- 2.2GPA
Spendesk
Paid
Spend management with unlimited cards and users, priced by quote.
- Only Spendesk lists iOS and Android apps.
- Qonto also covers invoicing.
- Spendesk also covers bill pay.
- 1.8GPA
Payhawk
Paid
Cards, expenses, payables and travel in one spend platform.
- Only Payhawk lists an iOS app.
- Qonto also covers invoicing.
- Payhawk also covers workflow automation and bill pay.
- 1.8GPA
Moss
Paid
Corporate cards, reimbursements and payables for EU companies.
- Qonto also covers invoicing.
- Moss also covers workflow automation and bill pay.
- 3.2GPA
Airwallex
Free plan · from $12/mo
Multi-currency business accounts, cards, bill pay and expenses.
- Airwallex has a free plan. Qonto does not, though it has a free trial.
- Only Airwallex lists iOS and Android apps.
- Airwallex also covers bill pay.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
11
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Qonto free?
No, Qonto is a paid product, but you can try it first. 1-month free trial on Basic, Smart and Premium.
How much does Qonto cost?
Qonto lists 3 plans. Basic: €9 per month excl.
What platforms does Qonto work on?
Qonto is available on Web.
Does Qonto have an Android app?
No Android app was listed when its pages were read on Nov 13, 2026. Qonto is listed for Web.
Does Qonto have an iPhone app?
No iPhone app was listed when its pages were read on Nov 13, 2026. Qonto is listed for Web.
Is Qonto open source?
Qonto is not described as open source on its own site, as read on Nov 13, 2026.
Who makes Qonto?
Qonto is made by a company of the same name.
What are the alternatives to Qonto?
The closest alternatives to Qonto in our directory are Pleo, Spendesk, Payhawk, Moss and Airwallex.
How does Qonto compare with other 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.
Is Qonto good value for money?
ToolGPA grades Qonto C for value for money. On features, ease of use and platforms it scores 2.0 out of 4.
Could I make my own version of Qonto?
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.
Where this guide comes from
The prices, plans, platforms and features were read from Qonto’s own pages on Nov 13, 2026, and the grades were given on Nov 13, 2026. 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.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Qonto. Prices change, so check qonto.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
7,721
Tools graded, in 95 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
7,721
tools graded
95
categories
739
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Qonto, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/qonto
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Qonto: The Insider's Guide", checked Nov 13, 2026. https://toolgpa.com/tools/qonto
Know someone choosing between spend and bill pay tools?
Send them this guide: toolgpa.com/tools/qonto/guide
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See our other guides
The best-graded spend and bill pay tools after Qonto, each with an Insider's Guide of its own.
- Spend & Bill Pay Insider's GuideEvery one of the 77 spend and bill pay tools we grade, compared
- Brex Insider's GuideCorporate cards, expenses, bill pay and travel for growing companies3.6 GPA
- Ramp Insider's GuideCorporate cards, expenses, travel and bill pay, with a free plan3.6 GPA
- Airwallex Insider's GuideMulti-currency business accounts, cards, bill pay and expenses3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Qonto’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Qonto is a trademark of its owner, and this guide is not made, paid for or approved by Qonto. Prices and plans change: check qonto.com before you buy.