Search

What is the Welcome Bonus offer in Germany?

  • Updated

This exclusive promotion helps German businesses get more value from everyday expenses. Open a Qonto business account in Germany and receive a Welcome Bonus when you meet our spending requirements. 🚀

The applicable bonus and spending requirement depend on the date you successfully register your account:

  • CS completed between 24 August and 13 September 2026: receive €200 on Starter, Basic, Smart, or Premium, or €600 on Essential, Business, or Enterprise, and spend at least €1,000 per month for 3 consecutive months.
     
  • CS completed between 14 and 30 September 2026: receive €250 on all Qonto plans, including Starter, and spend at least €800 per month for 3 consecutive months (€2,400 total).

☝️ This promotion is exclusively available to new Qonto customers with German-registered businesses. All Qonto price plans are eligible, including Starter.

 

Am I eligible for this promotion?

To be eligible, you must meet all of the following requirements:

  1. Your company must be registered in Germany:
    • Your business must have a German business address and legal registration
    • The physical location of the business owner doesn't determine eligibility – what matters is your company's legal registration in Germany
    • Businesses registered in other countries are not eligible, even if they actively operate in Germany
  2. You must be a first-time Qonto customer:
    • You are opening a Qonto account for the first time
    • You have never been a Qonto customer before
    • Opening an additional account besides an existing one during the promotion timeframe will not qualify for the bonus
  3. You must open your account during the promotional period:
    • Account opening must occur between 24 August and 30 September 2026
    • Accounts opened before or after this period are not eligible
  4. All price plans are eligible, including Starter - your bonus amount depends on when you successfully open your account (see above)

 

How do I meet the spending requirements?

Your qualification period begins 1 month after account activation. You must then spend at least the applicable monthly minimum with your Qonto card(s) for three consecutive months.

☝️ Important: The evaluation periods are not based on calendar months, but on 30/31-day periods starting from your account activation date.

How spending periods are calculated:

The first evaluation period begins exactly one month after your account activation and lasts 30 or 31 days. The second and third periods follow consecutively.

Concrete example (€250 tier):

  • Account activation: 14 September 2026
  • First evaluation period: 14 October to 14 November – €800 required
  • Second evaluation period: 15 November to 14 December – €800 required
  • Third evaluation period: 15 December to 14 January – €800 required
  • Welcome Bonus credit: after 14 January, once all conditions are met

⚠️ Only settled transactions count – transactions that have not yet settled are not included in the calculation.

Monthly spending rules:

  • You must reach the applicable minimum in each of the three consecutive evaluation periods – if you spend less in a single period, you will be disqualified from the promotion
  • All eligible card spending across all Qonto cards (physical and virtual) counts toward your threshold
  • Team members' eligible card spending contributes to reaching the required spending limit

Pricing plan and account requirements:

  • Keep your chosen Qonto pricing plan or upgrade during the qualification period
  • Downgrading to a lower-value pricing plan at any point during the qualification period results in immediate loss of Welcome Bonus eligibility, even if the monthly spending requirements have already been met
  • Pricing plan changes made after the spending period expires and after the bonus has been credited do not affect your eligibility
  • Maintain an active account in good standing throughout the entire 4-month qualification period

 

What transactions count toward the spending requirement?

Only card transactions made with your physical and/or virtual Qonto cards count toward the monthly spending requirement. All other payment methods and account activities are excluded.

Qualifying transactions include:

  • Point-of-sale (POS) transactions at physical locations
  • Online purchases
  • Contactless payments
  • Any eligible card payment that is successfully processed and settled

Payments made with Qonto credit cards, including physical or virtual deferred debit cards with monthly settlement, do not count toward the spending requirement.

Non-qualifying transactions include:

  • Cash withdrawals at ATMs
  • Bank transfers (SEPA, instant, or international)
  • Direct debits and standing orders
  • Internal transfers between Qonto accounts
  • Refunds or reversed transactions
  • Any non-card payment methods
  • Fees, interest, and late-payment charges
  • Transactions involving money transfers or money-like instruments, such as gift vouchers, prepaid cards, or cryptocurrencies
  • Betting, casino, or gambling transactions
  • Transactions that violate legal, regulatory, or internal Qonto policies

Qonto reserves the right to exclude transactions that cannot be classified as regular eligible business card payments.

Monitor your monthly card spending directly in your Qonto app or web dashboard: go to Business account → Transactions and filter by card transactions only to check that you're on track.

 

When and how will I receive my Welcome Bonus?

Once you fulfill all spending conditions, your Welcome Bonus will be credited directly to your Qonto business account after the 4th month following account activation.

Requirements for receiving the bonus:

  • You must complete all three consecutive months of the required card spending
  • Your Qonto plan must not have been downgraded during the qualifying period
  • Your account must remain active and in good standing at the time of payment

Combining with other offers:

  • You can combine this Welcome Bonus with any add-on promotions.
  • This Welcome Bonus cannot be stacked with referral bonuses or partner voucher codes.

 

Where can I find more information?

If you have questions about this promotion or your eligibility, contact our customer care team via email, in-app chat, or phone.

Need more details? Check out these helpful articles: