Payment institutions and banks
Qonto is a payment institution supervised by the Banque de France (under number CIB 16958).
We allow existing companies as well as companies that are under the registration process to benefit from a current account and all the means of payment they need to run their activity efficiently :
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Debit cards (physical, virtual, and instant cards)
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Instant transfers
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International transfers
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Check deposit (only to companies registered in France)
However, these are the main differences between your Qonto account and a traditional business account:
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Your Qonto account cannot be overdrawn.
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We do not allow cash deposits.
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We provide loans through our partners. Know more about our offers, available through the financing section, in this article.
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With Qonto, you have all your finance needs safely organized under one roof, whether you’re alone or leading a team.
Key features & benefits of Qonto:
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Collaborate as a team: Order payment cards online for your team, instantly create virtual cards to pay online, control your spending by defining payment limits per card, invite your accountant in 'read-only' mode and download your transaction history (and attachments) for seamless accounting.
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Say 'Goodbye' to paper: Gather your suppliers' invoices and your employees' receipts in your Qonto account. You will never ever chase receipts or invoices at the end of the month again.
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Manage all your Customer and Supplier invoices in Qonto: Get paid quicker with Qonto’s invoicing tool and save precious time on your supplier invoices management.
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Connect your Qonto account to your favorite applications: Whether it is your CRM, your payroll, or invoicing software – gain efficiency with our third-party integrations.
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Rely on stellar customer service available at all times: Our customer support is available 7 days a week to answer all your questions, in just a few minutes via chat on mobile or computer.
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Always understand what you pay for: Qonto's mission is to offer you a business account at a fair and transparent cost. You can always see in real-time the fees you may have to pay for operations outside your package. We explain the calculation of your fees in this article.
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Have the assurance that your money is protected: At Qonto, your funds are guaranteed by the Fonds de garantie des dépôts et de résolution (FGDR, the French public interest organization whose mission is to protect customers in case of bank failures). Read our article on the protection of your funds.
- Pay Later - Finance your business growth: Access instant funding to pay supplier invoices upfront and spread the cost over 3, 6, or 9 monthly installments at 1.16% monthly interest, helping you manage cash flow while seizing growth opportunities without paperwork or leaving the platform.
- Payment Links - Get paid faster from anywhere: Create shareable payment links in seconds to collect payments via Apple Pay, credit cards, or bank transfers through email, SMS, or QR codes, with automatic reconciliation to your Qonto account and no more chasing late payments.
- Tap To Pay - Turn your phone into a payment terminal: Accept contactless payments anywhere using your smartphone's NFC technology with competitive fees starting at 0.8% for Premium plans, real-time tracking, and next-day settlement directly to your Qonto account.
- POS Terminal - Professional in-person payments: Use Qonto's physical payment terminal to accept all card types (tap, insert, contactless) with the same low fees as Tap to Pay, integrated receipt printing, and seamless transaction tracking in your dashboard.
- SDD Collection - Automate recurring payments: Set up SEPA direct debits to automatically collect one-time or recurring payments directly from your customers' bank accounts with their authorization, reducing payment delays and manual follow-ups while ensuring predictable cash flow.
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Start saving time and being more efficient: Sign up for Qonto today!
*Some features are only available on Essential, Business, and Enterprise plans.