Qonto — Smart Business Finance, All in One Place

Qonto is a 100% digital financial platform built for freelancers, startups, and small-to-medium businesses seeking a modern alternative to traditional banking. It brings all essential business financial tools into one centralized, intuitive platform — so companies can manage money, cards, invoices, expenses, cash flow and team spending effortlessly from desktop or mobile.

🌐 Fully online business banking Open an account in minutes, receive your IBAN instantly, and manage everything online — no branches, no paperwork.

💳 Business Account & Cards Get local IBANs, physical and virtual Mastercard cards, and manage team cards with customizable spending limits and controls.

📄 Invoicing & Payment Tools Create and send invoices and quotes directly from the platform — with real-time tracking and payment automation.

💰 Expense & Spend Management Automate receipt collection, set budgets, and control employee expenses in real time.

📊 Cash Flow & Bookkeeping Track cash flow insights, match receipts automatically, and share accountant access to simplify accounting workflows.

🤝 Team Collaboration Add multiple users with customizable permissions; give access to accountants while maintaining security and oversight.

🔗 Integrations Connect with popular business software and fintech tools to extend workflows and automate processes.

📞 Dedicated Support Customer service available 7 days a week via chat, phone, and email for fast help when you need it.

💡 Optional Financing Features Tools like Pay Later allow eligible businesses to finance supplier invoices and pay over time directly from the Qonto app.