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Qonto - Business Finance App

Unchain your growth with a powerful business account that integrates banking, invoicing, and spend management. Ditch the bureaucracy and manage your company cash flow with a mobile-first experience built for freelancers and SMEs.

Finance & Crypto ›Business Management ›

Key Figures

Downloads

1M+

User Rating

4.8/5

Total Ratings

78K+

Publisher

Olinda

Your Financial Operating System

Stop toggling between fragmented tools. Qonto centralizes your banking, invoicing, and bookkeeping into one high-performance interface built for the modern entrepreneur.

Admin on Autopilot

Eliminate manual bookkeeping. Centralize receipts and invoices automatically, and give your accountant real-time access to sync data without the back-and-forth.

Smart Spend Management

Issue team cards with custom limits and track every transaction in real-time. Accept client payments on the go with Tap to Pay on iPhone or instant payment links.

FAQ

Frequently Asked Questions

Everything you need to know about Qonto - Business Finance App

What is Qonto - Business Finance App?

Qonto is an online business account for SMEs and freelancers. It combines banking with invoicing, bookkeeping, and spend management tools. Qonto provides 24/7 customer service and clear pricing.

Does Qonto offer local IBANs for businesses?

Yes, Qonto provides local IBANs as part of its powerful business account features. This simplifies day-to-day finances for users.

Can I manage team spending with the Qonto app?

Yes, the Qonto app includes spend management tools. Users can control team spending with budgets, automatic receipt collection, and tailored access for team members.

How does Qonto help with invoicing for businesses?

Qonto offers invoice management features to centralize invoices and receipts. It enables users to get paid faster and pay suppliers quickly, streamlining financial operations.

What financing options are available through Qonto?

Qonto provides simplified access to integrated financing options. Users can apply for partner financing deals or utilize Qonto's in-house "Pay later" offer for supplier payments.

Does Qonto support international transfers?

Yes, Qonto supports speedy international transfers. In addition to instant SEPA, it offers flexible payment methods for global transactions.

Can I accept contactless payments using the Qonto app on an iPhone?

Yes, Qonto allows users to accept contactless payments by using "Tap to Pay on iPhone". This feature enables receiving payments in-store or on the move.

How does Qonto assist with bookkeeping?

Qonto streamlines bookkeeping by allowing seamless collaboration with accountants. It provides tools for full, real-time cash flow overviews.

What is the maximum monthly spend limit on Qonto payment cards?

Qonto payment cards allow spending up to €200,000 per month. There are no hidden costs, and cards are included in the subscription.

Does Qonto offer real-time cash flow management?

Yes, Qonto provides real-time cash flow management. Users can track every euro, forecast cash gaps, and see VAT updates in real time on a unified dashboard.

Can Qonto connect with other business tools?

Yes, Qonto connects with other business tools for productivity. The app integrates with services like Slack, Google Drive, and Dropbox.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

Qonto - Business Finance App - A hand holding a smartphone showing the Qonto business finance dashboard with cash flow charts and analytics — A hand holding a smartphone showing the Qonto business finance dashboard with cash flow charts and analytics

Qonto - Business Finance App - Qonto mobile app dashboard showing business transactions and international transfers. — Qonto mobile app dashboard showing business transactions and international transfers.

Qonto - Business Finance App - A professional using the Qonto app to share a mobile invoice and payment link from his smartphone — A professional using the Qonto app to share a mobile invoice and payment link from his smartphone

Qonto - Business Finance App - Mobile app screen showing budget limits and spending progress bars for different business teams like Marketing and Sales. — Mobile app screen showing budget limits and spending progress bars for different business teams like Marketing and Sales.

Qonto - Business Finance App - Accepting contactless card payments on an iPhone with the Qonto business app — Accepting contactless card payments on an iPhone with the Qonto business app

Qonto - Business Finance App - A user scanning a paper receipt with the Qonto app for streamlined bookkeeping and accountant collaboration. — A user scanning a paper receipt with the Qonto app for streamlined bookkeeping and accountant collaboration.

Qonto - Business Finance App - Entrepreneur using Qonto app to connect business tools for mobile productivity — Entrepreneur using Qonto app to connect business tools for mobile productivity

Qonto - Business Finance App - Qonto business finance app dashboard showing cash flow forecasts and inflow and outflow graphs. — Qonto business finance app dashboard showing cash flow forecasts and inflow and outflow graphs.

Description

Qonto makes day-to-day banking easier for SMEs and freelancers, thanks to an online business account combined with invoicing, bookkeeping and spend management tools. With an innovative product, highly responsive 24/7 customer service and clear pricing, Qonto has become the European leader in its category. Master your daily finances with a powerful business account • Local IBANS • Payment cards: spend up to €200,000/month. No hidden costs. Pay online or in-store, at home and abroad: whatever the situation, our range of free and premium corporate cards included in your subscription has got you covered. • Transfers: flexible payment methods - from instant SEPA to speedy international transfers - so you can pay and get paid faster. • Get paid anywhere: accept payments in-store, on the move with Tap to Pay on iPhone, or online with Payment links. Enjoy faster access to funds with zero friction. • Transactions: unlimited history and real-time notifications. • Financing: simplified access to integrated financing options: apply in minutes for our partners financing deals or ease your supplier payments with our in-house financing offer, Pay later. Unchain your growth with a suite of financial tools • Invoice management: centralize invoices & receipts in one place; get paid fast and pay your suppliers even faster. • Spend management: control team spending with budgets, automatic receipt collection & tailored access. • Bookkeeping: collaborate seamlessly with your accountant by connecting them to our suite of tools; get a full, real-time cash flow overview. • Cash flow management: track the journey of every euro, forecast cash gaps in the weeks ahead, and see VAT updates in real time; let your unified dashboard translate scattered financial data into an actionable business roadmap. Follow Qonto for news and company updates. See what our customers have to say about us at https://www.trustpilot.com/review/qonto.com Olinda Head Office is registered at 18 Rue De Navarin, 75009, Paris, France.