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Qonto
French neobank and finance management platform for freelancers, SMEs and businesses
As of 29 August 2026, Qonto starts at €9/month. French business finance platform offering accounts, cards and invoicing, with plans from Basic for freelancers to Enterprise for teams. Softwr lists it under Accounting.
Overview
What Qonto does
French business finance platform offering accounts, cards and invoicing, with plans from Basic for freelancers to Enterprise for teams.
What people use it for
- Business banking
- Team payments
- Cash flow management
- Multi-currency transfers
- Freelancer payments
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about Qonto.
- Pricing in EUR only, not USD
- Basic tier limited to 30 transfers per month
- Add-ons for invoice automation and project tracking cost EUR 12-39/month extra
- Business tier minimum commitment for small team accounts
- Business plan minimum pricing EUR 49/month vs self-employed EUR 9/month
Cross-shopped
What people choose instead of Qonto
Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.
- QontovsRazorpayX
RazorpayX: Indian all-in-one business banking suite for payouts, current accounts and payroll
Pricing
What Qonto costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Basic (Self-Employed)
€9 /mo
- 30 transfers
- 1 physical + 2 virtual cards
- Account remuneration 5% for 2 months
Smart (Self-Employed)
€19 /mo
- 100 transfers
- 2 physical + 50 virtual cards
- Account remuneration
- Marked as Popular
Premium (Self-Employed)
€39 /mo
- 200 transfers
- 2 physical + 50 virtual + 50 Instant cards
Essential (Business)
€49 /mo
- 250 transfers
- 5 physical + 50 virtual cards
- Multiple sub-accounts
Business
€109 /mo
- 500 transfers
- 10 physical + unlimited virtual cards
- Advanced cash flow tools
- Marked as Popular
Enterprise
€199 /mo
- 10,000 transfers
- 30 physical + unlimited virtual cards
- Dedicated support
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
How much does Qonto cost?
Qonto's self-employed plans range from EUR 9/month (Basic) to EUR 39/month (Premium). Business plans range from EUR 49/month (Essential) to EUR 199/month (Enterprise).
SourceWhat is included in Qonto's Basic plan?
The Basic plan costs EUR 9/month and includes 30 monthly transfers, 1 physical card and 2 virtual cards, plus account remuneration at 5% for the first 2 months.
SourceWhat is the difference between self-employed and business plans?
Self-employed plans (Basic to Premium) are for individuals and cost EUR 9-39/month. Business plans (Essential to Enterprise) offer more transfers and cards for teams, ranging from EUR 49-199/month.
SourceKeep looking
Where to go from Qonto
- Qonto alternativesEvery product people weigh against it
- Qonto pricingPlans, floors and what the tiers exclude
- Qonto badgesWhich rules it meets, and the figure behind each
- All Accounting softwareThe full category
- Best Accounting softwareThe shortlist, and how it was cut
Best Accounting software for
Compare Qonto with
- RazorpayX
- Microsoft Excel
- Yooz
- Circula
- Moss
- Medius
- Ramp
- Pleo
- Spendesk
- Brex
- SAP Concur
- Tipalti
- Bill.com
- Orb
- Paddle
- Basware
- Circula
- Tipalti
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From €15/mo11 researched notes
Softwr does not host reviews and shows no star rating for Qonto, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
More on Qonto
Qonto alternatives
What people switch to, and what they give up
Qonto pricing
Every tier, and where the cost actually lands
Compare Qonto
Put it head to head with anything we hold
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