Wise BusinessFinance & invoicingFree plan: One-time €50 setup fee; no recurring monthly subscription fee for standard multi-currency business operations
Made in FranceQonto pricing in Europe (October 2026): plans & deals
Paid plans from €11 a month. Free trial: 30-day free trial on all plans with full access to debit cards and invoicing tools. Paying yearly saves €48 (Smart).
BEST CURRENT OFFER Official offer
Pay yearly and save €48 (Smart)
€19 a month billed yearly instead of €23 a month.
See Qonto plans- No code needed
- Applied when you choose yearly billing
- Official vendor checkout
Free trial30-day free trial on all plans with full access to debit cards and invoicing tools
Paid plans from€11 a month
Data stored inCustomer and transactional data hosted in ISO 27001-certified European data centers (AWS Frankfurt and Paris)
Data protectionPayment institution regulated by ACPR (Banque de France) with €100,000 statutory deposit guarantee via FGDR and strict GDPR compliance
CompanyLeading European B2B fintech unicorn (Olinda SAS, trading as Qonto), founded and headquartered in Paris, France
Qonto plans and prices
| Plan | Monthly (EUR) | Yearly billing, per month (EUR) | Includes |
|---|---|---|---|
| Basic (Solo) | €11 | €9 | 1 user, 1 physical One Mastercard debit card, 30 SEPA transfers per month, invoicing generator, live European customer support |
| SmartYearly billing saves €48 | €23 | €19 | 1 user plus read-only accountant access, 60 SEPA transfers, automatic VAT receipt detection, fast-track support, accounting software sync |
| Essential (Team) | €34 | €29 | Up to 2 team users plus accountant access, 100 SEPA transfers, multiple debit cards with custom spend limits, team expense approval workflows |
Prices as listed on Qonto’s pricing page; VAT may be added at checkout. qonto.com · Checked 19 Oct 2026
What will you pay for Qonto?
1 user, 30 SEPA transfers (Basic Solo)10+ users, custom approval workflows (Enterprise)
Basic (Solo)€11 / monthly
1 user, 1 physical One Mastercard debit card, 30 SEPA transfers per month, invoicing generator, live European customer support
SmartCheapest€23 / monthly
1 user plus read-only accountant access, 60 SEPA transfers, automatic VAT receipt detection, fast-track support, accounting software sync
Essential (Team)€34 / monthly
Up to 2 team users plus accountant access, 100 SEPA transfers, multiple debit cards with custom spend limits, team expense approval workflows
A look at Qonto
What you work with in Qonto.
Qonto · Wise Business · Revolut Business side by side
Figures from each vendor’s own pricing and privacy pages.
| Qonto | Wise Business |  Revolut Business | |
|---|---|---|---|
| Free plan | — | One-time €50 setup fee; no recurring monthly subscription fee for standard multi-currency business operations | Free Basic tier with multi-currency business accounts, company debit cards, and 5 fee-free local transfers per month |
| Paid plans from | €11 a month | €∞ a month | €25 a month |
| Data stored in | Customer and transactional data hosted in ISO 27001-certified European data centers (AWS Frankfurt and Paris) | Customer financial data hosted in tier-1 secure EU data centers (Belgium and Germany) under National Bank of Belgium (NBB) regulation | Customer data stored in ISO 27001-certified secure data centers within the European Union (Germany and Lithuania) |
| Origin | France | United Kingdom | United Kingdom |
Checked 19 Oct 2026. Prices as each vendor lists them.
Is Qonto worth it?
Strengths & best fit
Best for: European SMBs, startups, and self-employed professionals seeking an all-in-one business bank account with automated expense management, corporate Mastercards, and seamless accounting software integration.
Free trial: 30-day free trial on all plans with full access to debit cards and invoicing tools.
Good to know
Qonto is a payment institution regulated by the ACPR (Banque de France) with customer funds safeguarded at Crédit Mutuel Arkéa and protected up to €100,000 by the FGDR. Unlike traditional brick-and-mortar European banks, Qonto automates receipt collection via WhatsApp and mobile, auto-detects VAT rates on invoices, and issues localized IBANs across France, Germany, Italy, and Spain.
Qonto alternatives and their deals
Wise BusinessFinance & invoicingRevolut BusinessFinance & invoicingFree plan: Free Basic tier with multi-currency business accounts, company debit cards, and 5 fee-free local transfers per month
Watch a Qonto walkthrough
Questions
Does Qonto have a free trial?▼
Yes. 30-day free trial on all plans with full access to debit cards and invoicing tools.
How much does Qonto cost?▼
Smart costs €23 a month; €19 a month billed yearly instead of €23. Prices as the vendor lists them.
Is there a Qonto discount code?▼
The confirmed saving today is yearly billing: €48 (Smart).
Does Qonto provide local IBANs in European countries?▼
Yes. Qonto provides localized IBANs in France (FR), Germany (DE), Italy (IT), and Spain (ES), allowing businesses to pay taxes, collect direct debits, and transact with local vendors without cross-border friction.
What does Qonto say about data protection for EU customers?▼
Payment institution regulated by ACPR (Banque de France) with €100,000 statutory deposit guarantee via FGDR and strict GDPR compliance (qonto.com, Checked 2026-10-19).
Where does Qonto store customer data?▼
According to qonto.com: Customer and transactional data hosted in ISO 27001-certified European data centers (AWS Frankfurt and Paris). Checked 2026-10-19.
Price history: 19 Oct 2026 — Basic (Solo) €11, Smart €23, Essential (Team) €34
Start free, upgrade when you need it
Free trial: 30-day free trial on all plans with full access to debit cards and invoicing tools. Paid plans from €11 a month.
- No code needed
- Applied when you choose yearly billing
- Official vendor checkout