Qonto

About Qonto

Qonto is an easy business banking solution for entrepreneurs and startups. This all-in-one online business accounting platform helps SMEs and freelancers create business accounts as per convenience. Thus getting access to simplified accounting flow and transparent solutions. The services and features delivered by this platform are trusted widely by over 2,00,000 businesses located in different parts of the globe. Organizations are provided with a secure platform that safeguards the funds through FGDR (a French financial crises operator) services. Also, access to MasterCard business cards, with SEBA and SWIFT transfers enabled, is available with a subscription to Qonto. Furthermore, users can enjoy facilities like automated bookkeeping and team expense management besides streamlining and optimizing their work effectively. Also, integration with top third-party applications like Slack, Accountable, AXA, Pennylane, Zettle, etc makes user-wise task management a lot simpler to handle. Beyond this, users can also depend on the same to create multiple accounts with dedicated IBANs for organized management of expense items, activities, and team budgeting.

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Pricing

Free Trial Available
Offers Custom plan.
View Detailed Pricing

SW Score Breakdown The SW Score breakdown shows individual score for product features.Read more

Features The Feature Score % is calculated using the weighted average method, where core features hold more weight in the final calculation. Read more

94%
Reviews

85%
Momentum

69%
Popularity

88%

Platforms Supported

Browser Based (Cloud)
Mobile App (Android, iOS)

Organization Types Supported

Medium Business
Small Business
Freelancers
Individuals

API Support

Available

Modes of Support

Business Hours, Online

Qonto Awards

# 11 Fastest Growing Software Accounting Software
Q2 2021

# 8 Most Popular Software Accounting Software
Q2 2021

# 14 Highly Rated Accounting Software
Q2 2021

Qonto Features

Show Feature Explanation

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Accounting Features

Features: The Feature Score % is calculated using the weighted average method, where core features hold more weight in the final calculation. Read more

94%

Tax Management

Management of finances for payment of tax as well as assessing the advance tax liability to pay your tax in time

Purchasing

Acquiring goods or services required for the business at minimal cost

Project Accounting

Creation of financial reports specifically designed to track the financial progress of projects

Payroll

Handling the salary payable to the employees

Multi-Currency

Enables payment and collection in multiple currencies.

General Ledger

Maintaining and recording all the accounting related transactions.

Expense Tracking

Keep a count of your day to day expenses as well as allows you to quickly identify where the expense report is in the approval process.

Collections

Recovery of cash from a business or individual.

Cash Management

Collection and management of cash.

Billing and Invoicing

This feature helps in issuing and handling the invoice and bills.

Bank Reconciliation

Matching the balances of an entity's accounting records with the corresponding information on a bank statement.

Accounts Receivable

Handling the money the client owes to the company.

Accounts Payable

Handling the money owed by a business to its suppliers.

Spend Management

Managing the expenditure of a business in order to build its product or services

Revenue Recognition

Determining the specific conditions under which revenue is recognized or accounted for

Fixed Asset Management

Helps in tracking fixed assets for the purposes of financial accounting, preventive maintenance, and theft deterrence.

CPA Firms

Offers collaboration with a professional expert for financial and consulting services.

Qonto Pricing

Free Trial

Available

Pricing Options

Premium Plans ( Subscription / Quotation Based )

Pricing Plans

Basic Pack (Company Creators) Others

€11 Per Month (excl. VAT) + €69 One-Off Deposit Fee

€169 for Year One (excl. VAT)

Features

Business Account & Cards

A Deposit Certificate within 12 Hours
1 x One Card Mastercard with €20,000 Per Month Payment Limit
30 Transfers or Direct debits Per Month
Access for 1 User
One Account
50+ Partner Integrations
7-day-a-week Support
Access to Financing Offers

Invoicing & Bookkeeping

Integrated Invoicing Tool

*Includes Initial Deposit Fee, Then €108 Per Year after Year One.

Smart Pack (Company Creators) Others

€23 Per Month (excl. VAT)* + €69 One-Off Deposit Fee

€289 for Year 1 (excl. VAT)*

Features

Business Account & Cards

A Deposit Certificate within 12 Hours
1 x One Card Mastercard + Unlimited Virtual Cards
60 Transfers or Direct Debits Per Month
Access for 1 User
1 Account + 1 Sub-Account
80+ Exclusive Integrations
7-Day-a-Week Support
Access to Financing Offer

Invoicing & Bookkeeping

1 x Accountant Access
Automated Bookkeeping Tools
Integrated Invoicing Tool

*Includes Initial Deposit Fee, Then €228 Per Year after Year 1.

Essential Pack (Company Creators) Others

€34 Per Month (excl. VAT)*+ €69 One-Off Deposit Fee

€399 for Year 1 (excl. VAT)*

Features

Business Account & Cards

A Deposit Certificate within 12 Hours
2 x One Card Mastercards + Unlimited Virtual Cards
100 transfers or Direct Debits Per Month
Access for 2 Users
1 Account + 4 Sub-Accounts
80+ Exclusive Integrations
7-day-a-week Support
Access to Financing Offers

Invoicing & Bookkeeping

1 x Accountant Access
Automated Bookkeeping Tools
Integrated Invoicing Tool

*Includes Initial Deposit Fee, then €348 Per Year after Year 1.

Basic (Self-Employed) Others

€11 Per Month (excl. VAT)

€108 Per Year (excl. VAT)

Features

Business Account & Cards

1 x One Card Mastercard with €20,000 Per Month Payment Limit
30 Transfers or Direct Debits Per Month
1 Account
7-day-a-week Support
50+ Partner Integrations
Access to Financing Offers

Invoicing & Bookkeeping

Integrated invoicing tool

Smart (Self-Employed) Others

€23 Per Month (excl. VAT)
€228 Per Year (excl. VAT)

Features

Business Account & Cards

1 x One Card Mastercard + Unlimited Virtual Cards
60 Transfers or Direct Debits Per Month
1 Account + 1 Sub-Account
7-day-a-week Support
80+ Exclusive Integrations
Access to Financing Offers

Invoicing & Bookkeeping

1 x Accountant Access
Automated Bookkeeping Tools
Integrated Invoicing Tool
Advanced Dashboard

Premium (Self-Employed) Others

€45 Per Month (excl. VAT)

€468 Per Year (excl. VAT)

Features

Business Account & Cards

1 x One Card Mastercard + Unlimited Virtual Cards
100 Transfers or Direct Debits Per Month
1 Account + 4 Sub-Accounts
Priority 7-day-a-week Support
80+ Exclusive Integrations
Access to Financing Offers

Invoicing & Bookkeeping

1 x Accountant Access
Automated Bookkeeping Tools
Integrated Invoicing Tool
Advanced Dashboard

Essential (Micro-businesses (1-9 Employees)) Others

€34 Per Month (excl. VAT)

€348 Per Year (excl. VAT)

Features

Business Account & Cards

2 x One Card Business Mastercards + Unlimited Virtual Cards
100 Transfers or Direct Debits Per Month
1 Account + 4 Sub-Accounts
80+ Exclusive Partner Integrations
7-day-a-week Support
Access to Financing Offers

Invoicing & Expense Management

Access for 2 Users + 1 Accountant
Integrated Invoicing & Supplier Payments
Automated Bookkeeping Tools

Business (Micro-businesses (1-9 employees)) Others

€119 Per Month (excl. VAT)

€1,188 Per Year (excl. VAT)

Features

Business Account & Cards

10 x One Card Business Mastercards + Unlimited Virtual Cards
500 Transfers or Direct Debits Per Month
1 Account + 9 Sub-Accounts
80+ Exclusive Partner Integrations
Priority 7-day-a-week Support
Access to Financing Offers
Dedicated Key Account Manager

Invoicing & Expense Management

Access for 10 Users + 1 Accountant
Integrated Invoicing & Supplier Payments
Automated Bookkeeping Tools
Expense Reports
Customizable Payment Permissions and Controls
Secured EBICS Protocol
Advanced Dashboard

Enterprise (Micro-businesses (1-9 Employees)) Others

€299 Per Month (excl. VAT)

€2,988 Per Year (excl. VAT)

Features

Business Account & Cards

30 x One Card Business Mastercards + Unlimited Virtual Cards
1000 Transfers or Direct Debits Per Month
1 Account + 24 Sub-Accounts
80+ Exclusive Partner Integrations
Priority 7-day-a-week Support
Access to Financing Offers
Dedicated Key Account Manager

Invoicing & Expense Management

Access for 30 Users + 1 Accountant
Integrated Invoicing & Supplier Payments
Automated Bookkeeping Tools
Expense Reports
Customizable Payment Permissions and Controls
Secured EBICS Protocol
Advanced Dashboard

Business (SMEs (10-250+ employees)) Others

€119 Per Month (excl. VAT)

€1,188 Per Year (excl. VAT)

Features

Invoicing & Expense Management

Access for 10 Users + 1 Accountant
Integrated Invoicing & Supplier Payments
Automated Bookkeeping Tools
Expense Reports
Customizable Payment Permissions and Controls
Secured EBICS Protocol
Advanced Dashboard

Business Account & Cards

10 x One Card Business Mastercards + Unlimited Virtual Cards and Temporary Cards
500 Transfers or Direct Debits Per Month
1 Account + 9 Sub-Accounts
80+ Exclusive Partner Integrations
Priority 7-day-a-week Support
Dedicated Key Account Manager
Access to Financing Offers

Enterprise (SMEs (10-250+ Employees)) Others

€299 Per Month (excl. VAT)

€2,988 Per Month (excl. VAT)

Features

Invoicing & Expense Management

Access for 30 Users + 1 Accountant
Integrated Invoicing & Supplier Payments
Automated Bookkeeping Tools
Expense Reports
Customizable Payment Permissions and Controls
Secured EBICS Protocol
Advanced Dashboard

Business Account & Cards

30 x One Card Business Mastercards + Unlimited Virtual Cards and Temporary Cards
1000 Transfers or Direct Debits Per Month
1 Account + 24 Sub-Accounts
80+ Exclusive Partner Integrations
Priority 7-day-a-week Support
Dedicated Key Account Manager
Access to Financing Offers

Build Your Own (SMEs (10-250+ Employees)) Custom

Features

Payment Methods & Premium Cards that Adapt to Your Activity
A la Carte Invoice & Expense Management Features
As Many Transfers & Direct Debits as You Need
The Volume of Users & Sub-Accounts that Fits your Company Size

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Disclaimer: The pricing details were last updated on 17/07/2024 from the vendor website and may be different from actual. Please confirm with the vendor website before purchasing.

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Qonto Alternatives

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96% SW Score The SW Score ranks the products within a particular category on a variety of parameters, to provide a definite ranking system. Read more

Qonto Reviews

User Rating

4.5/5 (Based on 1,819 Ratings)

Rating Distribution

Excellent
81%
Very Good
5.8%
Average
0.8%
Poor
1.3%
Terrible
11%

User Sentiments

Easy Account Setup, Efficient Customer Service, User-Friendly Interface, Fast Transaction Speed

Check Deposit Processing Delays, Account Closures, Lack of Physical Branches, Limited International Transfer Options

Do You Use Qonto?

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Review Summary

Review analysis indicates that users generally appreciate Qonto's user-friendly interface, efficient customer support, and innovative features for managing finances. Many users highlight the convenience of integrating their business accounts, categorizing transactions, and tracking expenses. However, some reviewers express concerns regarding occasional technical glitches, limited customization options, and high fees associated with specific services. Overall, users acknowledge Qonto's effectiveness in simplifying financial management but suggest improvements in stability, flexibility, and pricing transparency.

Pros

Userfriendly interface: Simple and intuitive design makes it easy to manage finances.
Excellent customer support: Responsive and knowledgeable team provides quick assistance.
Streamlined expense management: Easily track and categorize business expenses.

Cons

Occasional technical glitches: Minor bugs and glitches have been reported by some users.
Limited customization: Some users may find the customization options to be somewhat limited.
Fees for physical cards: There is a small fee associated with ordering physical cards.

Qonto Reviews

AI-Generated from the text of User Reviews

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