At Qonto, we understand that every business has unique needs. If you are considering closing your account, we want to ensure that you are well-informed about all the options and services we can offer to better meet your current and future expectations.

Our teams are available to discuss these with you and provide the best support possible through:

• 24/7 Support - Let's talk together to find personalized solutions.
• Adapted Plans - Let's adjust your plan according to your activity and budget.
• New Features - Discover our latest updates that might interest you.

How to request the closure of my account?

🖥️ You can request the closure of your account by following the steps below from a computer:

1. Go to Settings > Billing and invoices.

2. Select the Close Account button.

3. Follow the guidance until you reach the confirmation page.

Use this demo link for more details: https://app.qonto.com/?tdm=close-my-account

📱 You can also request the closure of your account by following the steps below from the Qonto mobile app:

1. Go to Menu > Settings.
2. Select the Close Account button.
3. Follow the guidance until you reach the confirmation page.

💡 Please note that the account closure option is only available for app versions above 20250617.0 (Android) / 20250618.1 (iOS).

What are the requirements to close your account?

Account closure must be requested by the account holder. To complete the closure, all of the following conditions must be met:

• Your account must be active
• No legal proceedings (judicial reorganization, liquidation, deregistration, etc.) can be ongoing
• Your account balance must be €0 with no pending transactions (transfers, card payments, check deposits)

If any condition is not satisfied, your account closure will be postponed until the last day of the following month, and you will be billed for an additional month.

Frequently Asked Questions

When will the closure of my account occur once initiated?

Regardless of whether you’ve chosen monthly or annual billing, the closure will be processed on the last day of the current month. If you submit your request on the last day of the month, the closure will be postponed to the last day of the following month.

Examples:

• If you submit your request on September 10, 2025, your account will close on September 30, 2025.

• If you submit your request on September 30, 2025, your account will close on October 31, 2025.

You can track progress of your account closing request in your web app (Settings account > Price Plan & Invoices) or from the Qonto mobile app home screen.

Can I reopen my account if it has been closed?

No, a closed account is permanently deactivated and cannot be reactivated in the future. Once an account is closed, all transfers made to it are automatically returned to the sender. Its closure results in the immediate, permanent, and irrevocable deactivation of your IBAN(s), cards, and the inability to receive or send transfers.

NB: You do not need to return your payment cards.

However, you can cancel your account closure request before the closing date by going to Settings > Organization details > Cancel Closure in your web app or by tapping on a banner in your the Qonto mobile app home screen.

Does the closure incur any fees?

No, closing your Qonto account is free.

💡Before closing your account, did you know?

You may be able to optimize your Qonto experience by adjusting your subscription plan or billing frequency, which could better suit your needs or reduce your costs.

To learn more about our subscription and additional fees, check our dedicated article:

👉 What are the costs of my Qonto subscription and fees?

If you wish to change your plan or your billing frequency, find out how here:

👉 How to change my Qonto subscription plan or billing frequency?

Do I still have access to my data after closing my account?

Yes, even if your account is closed, Qonto provides you with unlimited access to retrieve your transaction history and account statements.

How can I hide a closed account in the app?

All accounts — including closed ones — remain visible in the top bar of the app.
If you would like to hide a closed account so that it is no longer displayed, please contact our Support team.