Accounting · pricing
Qonto pricing
Qonto publishes 6 tiers. Below is each one, what it adds over the tier beneath it, and where the ladder stops being worth climbing for most people.
As of 29 August 2026, Qonto pricing is €9/month across 6 published tiers. Figures are the vendor's list prices as recorded on this page's last check; the vendor's site is the final word.
- Entry price
- €9/month
- Model
- Subscription
- Tiers
- 6
- Free tier
- Not on record
Qonto plans, side by side
Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.
| Plan | Price | Features listed | Step up from the tier below |
|---|---|---|---|
| Basic (Self-Employed) | €9/month | 3 | Entry tier |
| Smart (Self-Employed) | €19/month | 4 | +$10/month, 4 more features |
| Premium (Self-Employed) | €39/month | 2 | +$20/month, 2 more features |
| Essential (Business) | €49/month | 3 | +$10/month, 3 more features |
| Business | €109/month | 4 | +$60/month, 4 more features |
| Enterprise | €199/month | 3 | +$90/month, 3 more features |
What each tier adds
The set difference between each tier's feature list and the one beneath it. Where a tier lists nothing new, the vendor has either stopped repeating the inherited list or the tier raises limits rather than adding capability, the record does not distinguish the two, so this page does not either.
Basic (Self-Employed)
€9/monthThe entry tier. It covers 30 transfers, 1 physical + 2 virtual cards, account remuneration 5% for 2 months.
Smart (Self-Employed)
€19/monthOver Basic (Self-Employed), this tier adds:
- 100 transfers
- 2 physical + 50 virtual cards
- Account remuneration
- Marked as Popular
Premium (Self-Employed)
€39/monthOver Smart (Self-Employed), this tier adds:
- 200 transfers
- 2 physical + 50 virtual + 50 Instant cards
Essential (Business)
€49/monthOver Premium (Self-Employed), this tier adds:
- 250 transfers
- 5 physical + 50 virtual cards
- Multiple sub-accounts
Business
€109/monthOver Essential (Business), this tier adds:
- 500 transfers
- 10 physical + unlimited virtual cards
- Advanced cash flow tools
- Marked as Popular
Enterprise
€199/monthOver Business, this tier adds:
- 10,000 transfers
- 30 physical + unlimited virtual cards
- Dedicated support
How that compares in Accounting
Across the 3 accounting tools in this directory that publish a starting price, the median entry point is $13/month. Qonto starts at €9/month, which puts it below the middle of its category.
| Tool | Entry price | Model | Rated | Head to head |
|---|---|---|---|---|
| Qonto (this page) | €9/month | subscription | - | |
| Rydoo | $10/month | Per user per month | - | vs Qonto |
| Happay | On request | quote | - | vs Qonto |
| Moss | On request | quote | - | vs Qonto |
| Mesh Payments | Free, then $13/month | Per user per month | - | vs Qonto |
| Medius Expense | On request | quote | - | vs Qonto |
| Ottimate | On request | quote | - | vs Qonto |
Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the Qonto badges page.
Before you pay for Qonto
Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.
What it can tell you is the shape of the ladder: 6 tiers between €9/month and €199/month, with the jump itemised above. With no free tier on record, the cheapest way to answer the rest is to compare Qonto against the tools that do have one before committing.
Qonto runs on not recorded. The full record is on the Qonto review, and the rest of the category is under best accounting tools.
Qonto pricing questions
- How much does Qonto cost?
- Qonto publishes 6 tiers, from €9/month for Basic (Self-Employed) up to €199/month for Enterprise. The cheapest paid tier is €9/month.
- Does Qonto have a free plan?
- Not on the record we hold: Qonto is listed as subscription. Whether a free trial is offered is not something this record captures, so check the vendor's site.
- What is the difference between Basic (Self-Employed) and Smart (Self-Employed) on Qonto?
- Smart (Self-Employed) costs €19/month against €9/month, and adds 100 transfers, 2 physical + 50 virtual cards, account remuneration, marked as popular.
- Is the Enterprise plan on Qonto worth it?
- That depends entirely on whether you need what it adds, which on the published record is 10,000 transfers, 30 physical + unlimited virtual cards, dedicated support. It costs €199/month against €9/month for Basic (Self-Employed). Softwr has not used either tier, so this page can tell you what changes, not whether it is worth the difference to you.
- Is Qonto expensive for a accounting tool?
- It starts below the middle of its category. Across the 3 accounting tools in this directory that publish a starting price, the median entry point is $13/month; Qonto starts at €9/month.
- Which accounting tools can I use without paying?
- 1 of the 8 accounting tools listed alongside Qonto have a free tier: Mesh Payments.
- What am I actually paying for with Qonto?
- The record we hold does not itemise what each tier includes beyond the plan names and prices. The Qonto review carries whatever feature detail is available.
- Does Qonto charge per user?
- The record carries a price and a billing period for each of its 6 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
- Are these Qonto prices current?
- They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
- What should I compare Qonto against before paying?
- The closest accounting tools in this directory are Rydoo, Happay, Moss, Mesh Payments. Each has a side-by-side comparison with Qonto covering price, platforms and features.