From the section Business Account, go to Cards. When you select a card, its settings appear in a new tab on the right and you can start customizing them.
Please note: Only owner, admin, manager (for their team) roles and a card's primary owner can manage the settings of a card.
Physical Card
With a physical card, you can pay online or offline (contactless or with a PIN code) and you can withdraw cash. You can use your physical card in Germany or abroad.
On a physical card, the admin or the manager roles can:
- Set a custom card name in-app (e.g. 'Travel card', 'Office expenses card', etc.)
- Authorize cash withdrawals
- Authorize contactless payments
- Authorize online payments
- Set custom usage time windows (e.g. Monday to Friday) — Only available via Expense & Spend Management add-on
- Authorize only payments for certain spending categories — Only available via Expense & Spend Management add-on
- Set a monthly limit (up to €200,000 for X card)
- Set a daily limit — Only available via Expense & Spend Management add-on
- Set a transaction limit
Virtual Card
With a virtual card, you can pay directly after card creation, online or offline (by adding it to Google Pay or Apple Pay). If your physical card hasn't arrived yet, you can start spending with a virtual card.
On a virtual card, the admin and the manager roles can:
- Set a custom card name in-app (e.g. 'Google Ads', 'LinkedIn', 'Amazon', etc.)
- Set a monthly limit (up to €20,000)
- Set a daily limit — Only available via Expense & Spend Management add-on
- Set a transaction limit
- Set custom usage time windows (e.g. Monday to Friday) — Only available via Expense & Spend Management add-on
- Authorize only payments for certain spending categories — Only available via Expense & Spend Management add-on
- Customize the virtual card by choosing its color
Online Advertising Card
With an online advertising card, you can manage your marketing campaigns across top ads platforms and merchants like Facebook Ads, Google Ads, and others. You won't have to worry about your campaigns getting blocked due to running out of funds or exceeding your budget, all thanks to high spending limits (€200,000 per month, or more upon request and approval*), flexible controls and efficient delegation options for your team.
Instant
Instant card is a temporary virtual card. It can be attributed to any member of your team for a specific occasion. This card is available via the Expense & Spend Management add-on.
On an instant card, the admin and the manager roles can:
- Set a custom card name in-app (e.g. 'B2B conference', 'Offsite dinner', 'Client visit in Berlin', etc.)
- During the card's creation: set a budget and a time of validity
- The budget can be adjusted throughout the time of validity
- The time of validity can't be modified. If the card holder needs to pay after the chosen date, the admin or the manager will need to create a complementary instant card.
Employees can now pre-fill some of their card settings by requesting a vritual card or instant card* via their Qonto interface. These settings can be changed and completed by an owner, admin or manager at any time.
👉 How can I submit a card request?
Can I make contactless payments with my Qonto card?
All physical Qonto cards include Near Field Communication (NFC) technology. This technology allows you to make contactless payments.
Whether you have a One, Plus or an X card, you can pay up to €50 without having to enter your PIN code to confirm a transaction, so you can save time at the checkout. All you have to do is bring your card within 3 cm of the payment terminal.
Please note: Contactless payments can be enabled or disabled by an admin or a manager in the card settings section.
What are the limits?
For security reasons, some limitations apply regarding NFC payments:
- You can pay up to €150 via consecutive contactless payments. Beyond this amount, you will be asked to enter your PIN code to reset the limit.