As a business in Germany that's new to Qonto, you can get a welcome bonus of up to €600! 🚀
Depending on your chosen pricing plan, you will receive:
- either €200 (Starter, Basic, Smart and Premium plans)
- or €600 (Essential, Business, and Enterprise plans)
To qualify for the bonus, you need to spend at least €1,000 with your Qonto card in each of three consecutive months — the bonus is then automatically credited to your account as a balance top-up.
This offer applies exclusively to organizations in Germany that are new to Qonto and open their Qonto business account during the promotional period from 24 August 2026 to 30 September 2026.
Who can take part in the welcome bonus offer?
You can take part in the welcome bonus offer if you meet all of the following conditions:
- Your organization is new to Qonto.
- You open your Qonto business account during the promotional period from 24 August 2026 to 30 September 2026.
- Your account has been successfully opened and verified.
- You meet the spending conditions with your Qonto card (more on this in the next section).
- Your account is active and in good standing at the time the bonus is paid out.
The following are excluded from this offer:
- Existing Qonto customers
- New customers outside Germany
- Customers who purchased the GmbH/UG company formation package
What conditions do I need to meet to receive the bonus?
To receive the welcome bonus, you need to spend at least €1,000 with your physical or virtual Qonto card in each of the first three consecutive months. This condition must be met individually each month — spending can't be carried over or averaged between months.
☝️ If you spend €2,000 in one month but only €500 the next, the condition is not considred met for that month. You must spend at least €1,000 in each of the three months.
In addition:
- You may not downgrade your pricing plan during the qualification period, as this will result in losing your entitlement of the bonus.
- Your account must remain active throughout the entire qualification period.
- The qualification period starts roughly one month after you open your account — this gives you enough time to receive and activate your Qonto card.
Example:
- You open your account in September.
- Card spending from October, November, and December would then typically count towards meeting the offer conditions.
- If you meet the spending conditions in all three months, you'll typically receive the bonus in January.
Which payments count toward the €1,000 monthly minimum spend?
The following regular business card payments made with your Qonto card count toward the minimum spend:
- Payments with physical Qonto cards
- Payments with virtual Qonto cards
⚠️ Please note that payments made with Qonto credit cards (physical or virtual) do not count toward the minimum spend.
The following do not count toward the minimum spend:
- Transfers and incoming payments
- Internal transfers between your own accounts
- Cash withdrawals
- Refunds, cancelled payments, and chargebacks
- Fees, interest, and late payment charges
- Transactions with deferred debit cards (the Qonto credit cards with deferred monthly debit)
- Transactions involving money transfers or money-like instruments (e.g. gift vouchers, prepaid cards, cryptocurrencies)
- Betting, casino, or gambling transactions
- Transactions that violate legal, regulatory or internal Qonto policies
Qonto reserves the right to exclude any transactions that cannot be classified as regular business card payments.
When and how is the bonus paid out?
The welcome bonus is checked automatically — you do not need to submit a separate application.
If all conditions are met, the bonus is credited to your Qonto main account as a balance top-up approximately in the fourth month after your account is activated.
⚠️ If your account is closed or no longer active before the bonus is paid out, the bonus cannot be paid.
If you have any questions about your eligibility or the status of your payout, please contact our support team.
What should I keep in mind about plan changes and combining offers?
Pricing plan changes: You're generally free to upgrade your pricing plan during the offer period. Downgrading your pricing plan during the qualification period will result in losing your entitlement to the welcome bonus. The bonus amount is based on the eligible pricing plan and the offer conditions met.
Combining offers: The welcome bonus can be combined with certain other offers running at the same time (e.g. POS terminal offers or add-on promotions), provided this is allowed under the terms of the respective offer. The welcome bonus generally cannot be combined with other Qonto offers or discounts unless expressly stated otherwise.
What can lead to the bonus being denied?
Qonto reserves the right to deny payout of the welcome bonus if:
- There is suspicion of fraud, abuse, or artificially generated turnover.
- Transactions violate legal requirements, regulatory requirements, or internal Qonto policies.
- The account is closed or no longer active before the bonus is paid out.
- The spending conditions were not fully met in all three consecutive months.
This also applies to transactions that cannot be classified as regular business card payments.
You can find the complete rules of the offer in the welcome bonus Terms and Conditions.