What is the Promotional Offer?
The Promotional Bonus of 3% applies only to the first invested amount (up to €100,000), on top of the standard yield of your price plan.
Who is Eligible?
The Promotional Offer is available to customers who meet all of the following criteria:
- Legal form: GmbH or UG
- Account verification: The Promotional Bonus must be activated within 2 months of your account verification being completed by Qonto
- First settled buy order: The first investment must be placed and settled within that 2-months window (min. €1). The bonus applies on investment amounts of up to €100,000.
- General Investments eligibility criteria set by Qonto must be met
If you are unsure whether your organization is eligible, please contact our support team.
Terms & Conditions of the Promotional Offer
- The promotion remains subject to the End User Terms for Investments.
- Customers have 2 months from their account verification to activate the Investments feature and place their first settled buy order (capped at €100,000) in order for the 3% Promotional Bonus to apply.
- The 3% Promotional Bonus applies only to the first settled buy order amount (up to €100,000).
- If a customer activates Investments after the 2-months window, they can still access the Investments feature, but the 3% Promotional Bonus will no longer be available.
- If Investments is activated within the 2-months window, the 3% Promotional Bonus applies for 3 months starting from the first investment settlement date (min. €1 / max. €100,000).
- After the 3-months Promotional period ends, the account automatically switches to the standard yield based on the customer's current price plan.
- The Promotional Bonus will be paid out after 3 months, calculated from the investment settlement date, as a separate transfer to the main account. If you sell your invested shares before the 3 months period ends, the bonus will be calculated proportionally based on the number of days you remained invested.
- The Promotional Offer is available until the end of 2026, subject to change. Customers are eligible if their account verification is completed in 2026 and they meet all the criteria listed above.
- Organizations must meet the general Investments eligibility criteria set by Qonto.
Bonus Calculation Example by Price Plan
The table below shows how the standard yield and the Promotional Bonus combine on a €10,000 investment amount:
| Plan | Base APY (yearly) | Base earnings over 3 months (on €10k) | Promotional bonus (3% annual prorated, paid at 3 months) | Total earned over 3 months | Annualized yield applied over 3 months |
|---|---|---|---|---|---|
| Solo Smart | 0.90% | €22.19 | €73.97 | €96.16 | 3.90% |
| Solo Premium | 1.10% | €26.88 | €73.97 | €100.85 | 4.10% |
| Team Essential | 1.30% | €31.81 | €73.97 | €105.78 | 4.30% |
| Team Business | 1.50% | €36.74 | €73.97 | €110.71 | 4.50% |
| Team Enterprise | 1.70% | €41.67 | €73.97 | €115.64 | 4.70% |
⚠️ Example values – please confirm the calculation basis (investment amount) internally before communicating these figures to customers.
Common Customer Questions
"Am I eligible for the Promotional Offer?" You are eligible if your organization is a GmbH or UG, your account verification was completed in 2026, and you place your first settled buy order within 2 months of your account verification being completed.
"I missed the 2-months window. What happens now?" The Investments feature remains accessible, but without the Promotional Bonus. The standard yield will apply from the first investment onward.
"Does the bonus apply to further investments as well?" No. The Promotional Bonus applies exclusively to the first settled buy order (max. €100,000).
"When will I receive the bonus?" The bonus is paid out as a separate transfer to the main account after the 3 months period ends.
"What happens after the 3 months?" The account automatically switches to the standard yield of the current price plan. No action is required from the customer.
⚠️ Internal note: The end date of the offer (end of 2026) is currently marked as TBD internally and may be extended. Please confirm with the team before communicating this as a fixed deadline to customers.