Qonto Pricing Overview

Qonto does not offer a permanent free plan, but it does provide a free trial that lets users to test the product before committing to a paid plan. Trial availability and duration may vary, so users should review the seller's official pricing page for the most current details.

According to G2 data, Qonto pricing in 2026 starts at €9.00 and can reach €199.00 depending on the selected plan. Pricing may vary based on billing terms or usage, so users should review the Qonto's official pricing page for the most current details.

According to G2 reviews, Qonto's pricing is best suited for small businesses, freelancers, and self-employed professionals seeking an affordable alternative to traditional banking. The Basic and Smart tiers appeal to solo operators and micro-businesses needing simple invoicing, expense tracking, and accounting integrations. G2 reviewers from industries including consulting, IT, accounting, and design consistently praise Qonto's ease of use and value at lower tiers. The Business and Enterprise plans are better suited for growing teams requiring multiple physical cards, sub-accounts, and customizable payment controls. G2 data on Qonto suggests mid-market companies with complex financial workflows may find the higher tiers necessary to meet their operational needs.

Qonto does not offer a permanent free tier but provides a free trial for evaluation. The entry-level Basic plan at €9/month covers one Mastercard, 30 monthly transfers, one account, and core invoicing tools. Qonto's higher tiers unlock progressively more value: Smart (€19/month) adds virtual cards, receipt digitization, and accountant access; Premium (€39/month) increases transfer limits and sub-accounts; Essential and Business tiers add expense management tools, team controls, and financing access; Enterprise at €199/month supports 30 physical cards and 1,000 transfers. G2 reviewers note that some automation features and advanced modules require paid add-ons beyond the base subscription, which can surprise smaller businesses.

Qonto is broadly considered good value, particularly among small business owners and freelancers. G2 reviewers frequently praise its competitive pricing relative to traditional banks, with multiple users citing low cost and excellent value for money as key reasons for choosing Qonto. Reviewers in consulting, IT, and design industries highlight the all-in-one nature of banking, invoicing, and accounting integration as justifying the subscription cost. However, some G2 users flag that advanced features and add-ons carry additional charges that can feel excessive for micro-businesses, and at least one reviewer noted paying close to €30 monthly after upgrades, calling it too much. Competitors like Jeeves and Payhawk are mentioned as offering better deals in some markets.