Earn money back on every eligible card payment with Qonto's cashback feature 💪
Get rewarded automatically with a percentage of your card spending credited back into your account each month. Cashback is calculated daily on eligible transactions and paid automatically on the 1st of each month. The amount you can earn depends on your card type, with rates ranging from 0.4% to 1% and monthly caps between €15 and €30.
Which cards are eligible and what are the cashback rates?
Cashback availability and rates depend on your card type and market:
- One card: 0% – no cashback available
- Plus cards: 0.4% cashback, up to €15/month
- X cards: 0.8% cashback, up to €30/month
- Mirror cards: 1% cashback, up to €30/month
Cashback activates automatically when you receive your eligible card, no setup is required. The monthly cap applies at the organization level, not per individual card.
How organization-level caps work: If your organization has multiple eligible cards with different caps, only the highest cap applies. Caps are not cumulative.
For example, if you have both a Plus card (€15 cap) and an X card (€30 cap), your organization's total monthly cap is €30. Both cards earn cashback at their respective rates until your Plus card reaches €15. After that point, only the X card continues earning cashback until the €30 organization cap is reached. Note that if you have several Plus cards, the 15€ limit applies to all of them, it is not cumulative.
How do I track my cashback earnings?
You can monitor your cashback progress in real-time throughout the month.
On 📱 mobile: Check your cashback directly from the dedicated home screen widget for quick access, or go to your card section and select Additional benefits → Cashback.
On 💻 web: Go to your card section and navigate to Additional benefits → Cashback.
The cashback progress bar shows you exactly how much you've earned in the current month.
Your cashback counter resets to zero on the 1st of each month when your previous month's cashback is paid into your account.
When and how do I receive my cashback?
Your cashback is paid automatically to your main account on the 1st day of each month. This payment includes all eligible transactions from the previous month (from the 1st to the last day of the month).
The cashback payment appears as an internal transfer on your bank statement, labeled clearly so you can easily identify and track it. You don't need to request the payment or take any action – it's completely automatic and requires no intervention from you.
The amount paid corresponds exactly to what you see in your cashback progress bar at the end of the previous month.
Once paid, that amount is immediately available in your account and can be used for any business expenses or transactions.
Which transactions don't earn cashback?
Most card payments earn cashback, but certain transaction categories are excluded to comply with regulatory and business requirements.
Excluded transaction types include:
- ATM withdrawals and cash advances: Any cash withdrawal from ATMs
- Gambling and betting services: Casinos, lottery, sports betting, and similar activities
- Certain financial services and money transfers: Wire transfers, currency exchanges, and money transfer services
- Government services and fines: Tax payments, fines, penalties, and government fees
These exclusions are based on Merchant Category Codes (MCCs) assigned to merchants by payment networks. When you make a purchase at an excluded merchant, the transaction processes normally but doesn't contribute to your cashback earnings.
For the complete list of excluded Merchant Category Codes (MCCs), refer to our Terms and Conditions.
Do purchases made via Apple Pay or Google Pay earn cashback?
Yes. If your Plus, X, or Mirror card is linked to Apple Pay or Google Pay, eligible purchases made through these wallets earn cashback at your card's rate. The same eligibility criteria and exclusions apply.
What happens if I receive a refund or a chargeback?
If you dispute a transaction and the chargeback is approved, the corresponding cashback is automatically deducted from your running total.
- If the chargeback is confirmed the same month as the original transaction: The cashback is simply removed from your month's earnings, nothing appears in your monthly statement.
- If it is confirmed in a different month: The cashback is deducted from your main account balance. The adjustment appears as a Cashback Adjustment line in your monthly statement.
Since chargebacks require an investigation that can take several weeks, the cashback deduction only happens once the chargeback is confirmed, not when the dispute is opened. If the chargeback is rejected, no adjustment is made.
Refunds: The same logic applies. When a transaction is refunded by the merchant, the cashback deduction happens immediately when the refund is processed.