Qonto
French-built business banking and invoicing platform for European SMEs and freelancers.
- Data: EU
- GDPR-native
- EU-owned
Qonto is a Paris-based fintech providing integrated business banking, invoicing, expense management, and company creation services for self-employed professionals, micro-businesses, and SMEs across Europe. It combines payment processing with accounting automation, offering tiered subscription plans from €9-€199/month with 1-month free trials.
Qonto is a Paris-based fintech providing integrated business banking, invoicing, expense management, and company creation services for self-employed professionals, micro-businesses, and SMEs across Europe. It combines payment processing with accounting automation, offering tiered subscription plans from €9-€199/month with 1-month free trials.
Highlights
- ✓Licensed payment institution regulated by French ACPR with FGDR deposit protection up to €100,000
- ✓Integrated all-in-one platform combining banking, invoicing, expense management, and company creation
- ✓ISO 27001 certified with AI-powered fraud detection, Strong Customer Authentication, and Beneficiary Verification
- ✓600,000+ customers with 4.8/5 Trustpilot rating; 24/7 multilingual support and 2,000+ integrations
- Data location
- EU
- Pricing
- Freemium
- EU-owned
- Yes
- Self-hostable
- No
Good for
- Freelancers and self-employed professionals managing invoices, expenses, and cash flow with integrated banking in France/EU
- Micro-businesses automating bookkeeping and reconciliation with real-time financial visibility across operations
- SMEs handling payroll, multi-currency transfers, and team permissions with SEPA/international payment capabilities