Qonto - Business Finance App 4+

All-in-one business account


    • 4.7 • 53 Ratings
    • Free

iPhone Screenshots


Qonto energizes SMEs, startups and freelancers by helping them whizz through their business finances.

More than 220,000 customers already use our finance management solution to keep control of their account at their fingertips. On the go, wherever they are.

Qonto, the finance management tool that boosts your business

Qonto simplifies everything, from everyday business banking and finance to bookkeeping and expense management. By doing the boring, time-consuming chores, we energize SMEs and freelancers so they can achieve more.

Say goodbye to banking frustration with Qonto

Our pricing is simple and transparent. There are no hidden fees. And when you’re with Qonto, you can look forward to rapid-response, top-tier customer service. So that when you have a question, we’ll get it answered swiftly.

Send and receive payments in a flash

Open an account in just 10 minutes and access flexible payment methods that can respond to the specific needs of your business right away:

- make purchases online instantly with our virtual Mastercards, from anywhere in the world.
- order physical Mastercards for payments and withdrawals abroad or at home.
- add virtual cards to Apple Pay and Google Pay for online and in-store purchases.
- create a Flash Card for one-off, single purpose payments. Securely.
- send and receive SWIFT and SEPA transfers directly on your phone.
- if your company is registered in France, we can even cash your checks.

With the Qonto app, you can manage your business finances even when you’re on the move.

Company creation made easy

Use our app to open an account without the paperwork eating into your time. Because we know your time is precious. Once you’re set up we can even help you switch or transition accounts progressively if your current bank or neobank is in France.

If you’re setting up a new company, we’ll guide you so that you’re up and running - with all your admin handled (within an average of just 72 hours for France-based customers).

Qonto: much more than just a pro account.

We can equip you with a vast range of business finance management solutions that include:

- IBANS in France, Spain, Italy or Germany, so you can be truly localized;
- unlimited transaction history and real-time notifications, so you’ll always know what comes in and what goes out of your account;
- For customers in France and Italy, we can also propose credit opportunities without all the paperwork, so you can fund your projects;
- as well as up to 5 sub-accounts in all our markets, so you can better organize your teams and their budgets.

Bookkeeping got you down? We’re here to help

When it comes to managing expenses and preparing your accounts, we’ve also got you covered. Scan your paper receipts on your phone and let the app retrieve the VAT and match them to the corresponding expense so they’re valid for your books. All completely automatically. Give your accountant access to consult your account; they’ll be delighted to find everything they need to manage your accounting. They can even connect Qonto to their favorite accounting tool.

Delegate spend management to your teams

We help make spend management a collaborative team effort: delegate cards and budgets to team members, give your managers and employees access according to their roles. Let them manage their spending within the rules and limits that you set in advance. They will enjoy the autonomy and you’ll keep control of the bigger picture.

Take back all that time and energy you currently spend on managing your business finances and focus it where it matters.

Download the Qonto app now and keep the control of your company’s money in your pocket.

Qonto is a payment institution regulated and authorised by the ACPR (registered under number CIB 16958).

What’s New

Version 4.26.0

No major changes this time around - your Qonto app is getting an upgrade to make managing your finances easier, whether you’re solo or part of a team.

Ratings and Reviews

4.7 out of 5
53 Ratings

53 Ratings



Quite fond of Qonto!
Business made easy and practical for start-ups.

Developer Response ,

Thank you very much for your support ! :)

Rhino wood ,


After writing a very positive review for Qonto I have been seriously let down and found the whole process costly after my account which had been opened and cards received, plus payment details sent to clients for there first payments to be received by this account. I suddenly get told that my account has to be closed. No explanation why or the ability to explain after the whole vetting process and all documents accepted for the formation of the account , it has just been cancelled. No trading occurred. They just hold my deposits and set up payments. Absolutely disgusting So no stars and no positive feeling for this misleading business bank!

Developer Response ,

Hi Rhino Wood, we've read your feedback very carefully, once more. We're really sorry about that, and want to help your further. In order to see what has been missing or not compliant to our internal guidelines / rules, to keep our business relationship, could you please send us your company name and login email, to our address : feedback@qonto.com?

Thank you very much!

millerj ,

Functional and fit-for-purpose

Easy to use but it has terrible weaknesses too. I can’t find any easy contact information to reach out for help. Also, the widgets for iOS on my iPhone rarely show any information, requiring me to open the app to access the data. What’s the point of the app then if it shows no information and does not save any time? Disappointing really but functional enough until a competitor eats their lunch!

Developer Response ,

Hi millerj, one of our most challenging goals is to improve our service. For that reason, we truly cherish your feedback, and we want to discuss with you about what's missing, and about what you need to improve your user/customer experience. Could you please contact us at our dedicated email address : happyclients@qonto.eu, we'll for sure call you back! 😊

App Privacy

The developer, Qonto, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

You Might Also Like