Qonto
Accounts payable (AP) & spend analysis software
Spend management software
Cash flow management software
Invoice management software
Expense management software
Travel & expense software
Procurement software
Accounting & finance software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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€9 per month
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What is Qonto
Qonto is a business finance platform that combines business accounts with tools for managing company spend, expenses, invoices, and payments. It targets SMEs and mid-market teams that want centralized control over cards, employee reimbursements, supplier payments, and cash visibility. The product emphasizes banking-connected workflows (accounts, cards, transfers) alongside spend controls, receipt capture, and integrations with accounting systems. It is positioned more as an all-in-one business account and spend platform than a full source-to-pay procurement suite.
Integrated account and spend controls
Qonto combines business accounts, payment cards, and spend controls in one interface, which reduces reliance on separate banking and expense tools. Teams can issue physical/virtual cards, set limits, and track transactions with supporting documentation. This integration supports faster reconciliation because transactions and spend metadata live in the same system.
Expense capture and workflows
Qonto supports receipt collection and expense categorization tied to card transactions and reimbursements. It provides workflows that help finance teams request missing receipts and standardize expense submission. These capabilities fit common SME needs where lightweight controls and audit trails matter more than complex enterprise policy engines.
Invoice and payment handling
Qonto includes tools to manage supplier invoices and execute payments from the business account. It supports day-to-day AP tasks such as storing invoices, tracking payment status, and linking payments to documents. For organizations that mainly need operational AP execution rather than advanced procurement, this can cover core requirements.
Limited enterprise procurement depth
Qonto is not designed as a full source-to-pay procurement platform with deep sourcing, contract lifecycle management, and complex approval chains. Organizations needing multi-entity procurement governance, supplier risk workflows, or advanced catalog management may find gaps. Larger enterprises often require broader procurement modules and configurability than Qonto typically targets.
Spend analytics may be basic
Spend analysis capabilities are generally oriented toward operational visibility rather than advanced classification, cube-style analytics, or extensive custom reporting. Companies that need granular category taxonomy management, benchmarking, or complex data enrichment may need external BI or specialized spend analytics. Reporting depth can also depend on the quality of transaction coding and integrations.
Geographic and banking constraints
As a business account provider, Qonto’s availability and features depend on supported countries, local payment rails, and regulatory requirements. Multi-country treasury needs (e.g., complex cash pooling, extensive local banking coverage) may exceed what a single provider can offer. Some organizations may still require additional bank relationships or tools for global operations.
Plan & Pricing
| Plan | Price | Key features & notes |
|---|---|---|
| Basic | €11 per month (monthly billing) / €9 per month (annual billing) (excl. VAT) | For independents/small businesses. Includes 30 transactions/month, 1 physical One Card, virtual cards (50/month included on higher plans), SEPA instant transfers, incoming SWIFT transfers free under €500 (€5 >€500), outgoing international transfers charged (0.8% min. €5). 1-month free trial noted on pricing page. Source: Qonto pricing & Help Center. |
| Smart | €23 per month (monthly) / €19 per month (annual) (excl. VAT) | Everything in Basic plus up to 60 transfers/month, accountant access & integrations, 1 sub-account, account remuneration (4% AER then 1% after 2 months, capped). 1-month free trial. |
| Premium | €45 per month (monthly) / €39 per month (annual) (excl. VAT) | Everything in Smart plus up to 100 transfers/month, priority support 7d/7, 4 sub-accounts with dedicated IBANs, enhanced cashflow tools. 1-month free trial. |
| Essential | €59 per month (monthly) / €49 per month (annual) (excl. VAT) | (Listed on Help Center as team/business tier) Higher-tier team features; contact Qonto for enterprise-level support. |
| Business | €119 per month (monthly) / €99 per month (annual) (excl. VAT) | (Team tier) Designed for larger SMEs with expanded features and limits; contact sales for Enterprise. |
| Enterprise | €249 per month (monthly) / €199 per month (annual) (excl. VAT) | Customised enterprise offering; contact sales. |
Notes: Pricing and feature limits (transactions/month, card pricing, international transfer fees, add-ons such as Cash Flow Management Plus €29/month billed annually, Accounts Receivable Plus €35/month billed annually, virtual card pricing €2/month per card or plan-dependent allowances) are documented on Qonto's official pricing pages and Help Center. Prices shown exclude VAT and are taken from Qonto's official pricing and support pages.
Seller details
Qonto
Paris, France
2016
Private
https://qonto.com
https://x.com/qonto
https://www.linkedin.com/company/qonto/
