France
Germany
United Kingdom
activeFeaturedNeobankBusiness banking
- HQ
- London
- Fee
- Free personal
Qonto
The French (and European) business account founders actually open.
Rate this app
7.7Solid
AlternativesOur take
Desk verdict
If the company is French, start here. If the company invoices the US and Asia, add Wise or Airwallex.
Qonto is a Paris-based business-account provider, licensed as a payment institution. Client funds are safeguarded. It is the product French founders search for when they say ‘pro account.’
Qonto lists Payment institution / EMI-class under ACPR / ACPR-passport in France / EEA. On safeguarding we currently write: Safeguarded client funds — not FGDR bank deposits. An AML programme is claimed. Local bank details (IBAN / sort code / equivalent) are part of the pitch. We list 3 live markets on the product. As we score the sticker: monthly Paid plans from a small monthly; FX SEPA is the home rail; FX on extras; ATM Card ATM schedule. This desk would open it for: French and EEA SAS/GmbH companies that want a current-account-shaped finance stack.
What it does well: Default for French incorporation; Accountant-friendly; IBAN. What to watch: Not a full bank; Monthly fee from day one; USD corridors are not the pitch. Desk score 7.7 / 10 (safety 7.8, fees 7.6, features 8.6, app 8.6). Last verified 2026-08-01. Headquartered in Paris, France; founded 2016. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: French and EEA SAS/GmbH companies that want a current-account-shaped finance stack.
Pros
- +Default for French incorporation
- +Accountant-friendly
- +IBAN
- +Support
Cons
- −Not a full bank
- −Monthly fee from day one
- −USD corridors are not the pitch
Account facts
- Platforms
- Web · iOS · Android
- Account types
- Business current accounts
- Minimum balance
- €0
- Lowest monthly fee
- Paid plans from the first account
- Who can open
- EU companies and freelancers
- Availability
- France, DE, ES, IT and more EEA
How it actually works
- Custody
- EMI safeguarded funds
- Local rails
- IBAN / SEPA · Faster Payments
- Built for
- Business · Freelancer
- Settlement
- Local rails instant where live; SWIFT slower
- Review risk
- Fintech reviews can pause inbound while they check a transfer
- Pay surface
- mastercard · physical · virtual · Apple Pay · Google Pay
Safety
Safeguarded client funds — not FGDR bank deposits
- ACPR / ACPR-passportPayment institution / EMI-class · France / EEA
Fees
- Monthly
- Paid plans from a small monthly
- FX markup
- SEPA is the home rail; FX on extras
- ATM
- Card ATM schedule
Features
- ✓IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- EUR business IBAN
- Team cards
- Invoicing
- Accounting integrations
- Accountant seats
Score
- Safety25%
- 7.8
- Fees20%
- 7.6
- Features15%
- 8.6
- App15%
- 8.6
- Global15%
- 6.0
- Support10%
- 8.0
Change log
Full logNo dated notes yet. When the licence, fees, or status moves, it lands here.
Available in
FAQ
Is Qonto a bank?+–
Qonto is not a licensed deposit-taker in the classic sense. Treat the balance as a fintech ledger until you confirm the holder.
How is money protected?+–
Safeguarded client funds — not FGDR bank deposits
Where is Qonto available?+–
We list 3 market desks on the desk. Residency and onboarding rules still sit with Qonto.
Card and wallets?+–
mastercard · physical · virtual · Apple Pay · Google Pay
Ratings and reviews
No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.
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