Qonto Review 2026

What is Qonto?

Qonto is a French fintech founded in Paris in 2017, built from the ground up as a business banking solution for freelancers, startups, and SMEs. Unlike personal bank accounts repurposed for business use, Qonto was designed exclusively for professional use — which shows in its feature set.

Available in France, Germany, Spain, Italy, Austria, Belgium, and the Netherlands, Qonto is one of the most popular business banking choices for European entrepreneurs.

Who is Qonto for?

Qonto is ideal for:

• Freelancers who invoice clients and need to track payments automatically
• Startups with a small team who need multiple cards and expense management
• Business owners who use accounting software like Xero or QuickBooks

If you just need a personal account or a simple EUR account to receive payments, Qonto is overkill. But if you run a business and need proper bookkeeping tools, it saves hours every month.

Qonto plans and fees

• Solo (€9/month): 1 user, 1 card, 30 SEPA transfers, basic invoicing.
• Essential (€13/month): 2 users, 2 cards, 60 transfers, receipt forwarding.
• Business (€25/month): 5 users, 5 cards, unlimited transfers, accounting integrations.
• Enterprise (custom): Up to 25 users, advanced permissions, dedicated support.

Qonto invoicing

One of Qonto's standout features is its built-in invoicing. You can create and send professional invoices directly from the app, track which have been paid, and match incoming payments to invoices automatically. For freelancers this alone can replace a separate invoicing tool.

Accounting integrations

Qonto connects directly to Xero, QuickBooks, Datev (Germany), Pennylane, and others. Every transaction is automatically categorised and can be synced to your accounting software with receipts attached. This is a significant time-saver at tax time.

Bottom line

Qonto is the best business bank account for freelancers and small teams in the countries where it operates. If you're a solopreneur looking to minimise admin, the invoicing and accounting integrations pay for the monthly fee many times over.