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The all-in-one business account

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Qonto makes it easier to manage your daily finances (credit cards, expense report and accounting). All of it, with no hidden fees or bad surprises.

General information about Qonto

Qonto is a modern banking platform designed specifically for startups and small businesses. With Qonto, you can simplify your financial management, streamline your banking processes, and gain greater control over your finances.

The Qonto banking platform offers a comprehensive suite of features tailored to the unique needs of startups. You can open a business account quickly and easily, without the need for cumbersome paperwork or length approval processes. Qonto provides a seamless onboarding experience, allowing you to get up and running with your banking operations in no time. 

One of the key advantages of Qonto is its user-friendly interface and intuitive design. The platform offers a clean and intuitive dashboard where you can manage your finances, track transactions, and access real-time insights. Qonto makes it easy to categorize expenses, generate reports, and gain a clear overview of your financial health.

With Qonto’s software, startups can benefit from advanced payment functionalities. You can make and receive payments easily, whether it’s local or international transactions. Qonto supports multiple currencies, enabling you to expand your business globally and simplify your international banking needs. The platform also integrates seamlessly with accounting software, saving you time and effort in reconciling your financial data.

There are thousands of startups and small businesses that rely on Qonto’s platform to manage their finances and simplify their banking operations. Qonto’s modern approach, dedicated support, and tailored features make it a trusted partner for startups to streamline your financial management and focus on your core business.

Take advantage of Secret’s promotional offer for Qonto’s pricing plans and save valuable resources for your startup’s finances. Gain better control!

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Secret's take about Qonto

I don’t know about you but all my money ever seems to say is goodbye… 👋 although money management wasn’t my forté to begin with so I have no one to blame but myself 🤷

What is Qonto?

Qonto makes your money management simple and effective, giving you access to your financial performance and accounts wherever you are in just a few clicks 💰 Manage all of your daily finances and transactions in just one application, including your business account & cards, invoice management, expense & spend management, and bookkeeping 🧾 What’s more, Qonto’s software even allows you to control your expenses with your team, delegating where necessary and helping you all stay up-to-date on your account for effective financial management 💪

Our opinion about Qonto:

Qonto is the perfect tool for those who are self-employed or freelancers, micro-businesses, SMEs and associations, with appropriate pricing available for all 🧰 The simplicity in managing your account is a game-changer in a startup’s launch and is the perfect solution for entrepreneurs who want to leave the old way of banking behind them to use a tool that makes their lives a whole lot easier 🌟

Qonto Pricing:

Different & transparent pricing is available for freelancers, SMEs and entrepreneurs creating their companies 🚀 Each plan is laid out to give you the features you need, from the number of IBAN & transfers a month to Premium cards & integrations 💳 Save money on Qonto with Secret’s offer of up to 7 months free!

- More details about Qonto's pricings
Best Qonto alternatives:

If you’re looking for an alternative to Qonto then you may check out Shine, Mercury, Ramp, Spendesk, Pleo or the many other great alternatives that are available! 🙌

- More alternatives to Qonto
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Mary O'Brien

Customer Success Manager

1 deal available for Qonto
See all deals
1 deal available for Qonto

Up to $100 in savings

3 months free on Essential (for businesses), 4 months free on Smart, or 7 months free on the Basic plan (for freelancers)

Deal selected

3 months free on Essential (for businesses), 4 months free on Smart, or 7 months free on the Basic plan (for freelancers)

3 months free on Essential (for businesses), 4 months free on Smart, or 7 months free on the Basic plan (for freelancers)

Unlock our Qonto deal and access 3 months free on Essential (for businesses), 4 months free on Smart, or 7 months free on the Basic plan (for freelancers), saving you up to $100 for your startup. There are over 310+ verified deals and discounts for you to save money on the best SaaS software and apps for your small business to grow. Don't waste time, take advantage of our promotions now thanks to our Qonto promo codes, coupons and credits valid in December 2023.

What is Qonto used for?

Qonto is a revolutionary banking platform that caters to the specific needs of startups and small businesses. It simplifies financial management by offering a user-friendly interface where businesses can track transactions, categorize expenses, and generate reports, providing a clear picture of their financial health. For instance, a startup can easily handle local and international payments in multiple currencies, facilitating global expansion. Qonto also integrates with accounting software, making financial data reconciliation effortless. This allows businesses to focus more on their core operations. Thousands of startups trust Qonto for its modern approach, dedicated support, and tailored features.

Qonto pricing



/ month

1 member and 1 Business Mastercard

30 SEPA transfers and direct debits



/ month

Fund deposit certificate in 72 hours

1 member and 1 Business Mastercard

60 SEPA transfers and direct debits and 2 cashed checks per month

Invoicing & bookkeeping



/ month

Fund deposit certificate in 72 hours

2 members and 2 Business Mastercards

100 SEPA transfers and direct debits and 3 cashed checks per month

Qonto features

Simplify your accounting management with Qonto.

  • Simplified accounting

    Payment receipts, VAT collection and expense reports are simplified: no more need to worry about audits.

  • Multiple accounts

    An account per expense items (salaries, suppliers, contributions, taxes) so you can better control your finances.

  • Integrations

    Secured connexions with dozens of availables softwares and apps to automate your finances' management.

  • Expense categorization

    Say goodbye to manual accounting. Qonto allows you to automatically categorize expenses by type, so you can easily keep track of your spending and know where your money is going.

  • Freezing cards

    Protect your business from fraud by freezing and unfreezing your Qonto cards in real time. If you suspect a card has been compromised, freeze it instantly and avoid unauthorized charges.

  • Mobile app manageability

    Keep your finances under control from the palm of your hand with Qonto's mobile app. Check your balances any time, anywhere, and make payments on the go.

  • Payment tracking

    Know exactly when payments are made and received with Qonto's payment tracking feature. No more waiting for bank statements or worrying about missed payments.

  • Multi-user access

    Collaborate seamlessly with your team by granting multi-user access to your Qonto account. Set different levels of permissions and control who can make payments, view transactions, and more.

Qonto: Pros & Cons


  • Customer service: Qonto’s customer support is competent and very responsive
  • Many company statuses: The online bank accepts 7 different company types (including LTDs, EURL and SARL)
  • Many features: Qonto offers very relevant accounting or investment features


  • Basic offer: The Basic price plan is too limited
  • Monthly constraints: There is a monthly limit to the number of transfers and cash-ins
  • Lack of certain services: The neobank does not offer banking products, overdraft or chequebook

Why is Qonto better than other Accounting software?

Qonto has more options than Shine: 52 vs 22

Qonto is a better solution for customer support than Spendesk: 4.6 vs 4.5

Qonto is better at customer service than Expensify: 4.6 vs 4.0

Qonto pricing plans are more competitive than Expensify: 4.4 vs 4.2

Qonto is better at customer service than SAP Concur: 4.6 vs 4.0

Qonto is easy to use compared to SAP Concur: 4.5 vs 4.0

Qonto is better at number of features than Stripe: 52 vs 34

Qonto is easy to use compared to Mercury: 4.5 vs 4.0

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