# Qonto Reviews **Vendor:** Qonto **Category:** [Expense Management Software](https://www.g2.com/categories/expense-management) **Average Rating:** 4.7/5.0 **Total Reviews:** 161 ## About Qonto With an innovative product, highly responsive 7/7 customer service and clear pricing, Qonto has become the European leader in its category. Get started with a powerful Business Account for all your everyday banking needs. - Local IBANs (🇫🇷 French IBAN / 🇩🇪 German IBAN/ 🇮🇹 Italian IBAN / 🇪🇸 Spanish IBAN) - Payment cards: spend up to €200,000/month. No hidden costs. Pay online, in-store, and abroad, whatever the situation, our range of free and premium corporate cards included in your subscription has got you covered. - Transfers: flexible payment methods - from Instant SEPA to SWIFT - so you can pay, and get paid, faster. - Transactions: unlimited history and real-time notifications. - Financing: easy access to integrated financing options. Then, leverage our Financial tools to keep track of your money and help you grow your business. - Invoice management: centralize invoices & receipts in one place, get paid faster & automate your outgoing payments. - Spend management: control team spending with budgets, automatic receipt collection & tailored access. - Bookkeeping: collaborate seamlessly with your accountant, connecting to our suite of tools, and get a full, real-time cash flow overview. ## Qonto Pros & Cons **What users like:** - Users appreciate the **ease of use** of Qonto, finding the app simple, efficient, and user-friendly. (21 reviews) - Users value the **customer support** of Qonto, finding it easy to contact for assistance and help. (9 reviews) - Users appreciate the **efficiency** of Qonto, enjoying its fast, user-friendly features for managing finances seamlessly. (6 reviews) - Users love the **intuitive interface** of Qonto, enabling quick activation and ease of use for teams. (6 reviews) - Users value the **easy invoice matching** feature of Qonto, making financial tracking and management seamless and efficient. (6 reviews) - Invoicing Management (6 reviews) - Simplicity (6 reviews) - Users value the **robust financial management capabilities** of Penta, enhancing transparency and simplifying financial processes effectively. (5 reviews) - Users commend the **efficient customer support** of Qonto, highlighting quick responses and easy transaction management. (4 reviews) - Users praise the **easy interface** of Qonto, making navigation and card creation a breeze for the entire team. (4 reviews) **What users dislike:** - Users find the **high costs** of Qonto's services less favorable compared to traditional banks and other options. (4 reviews) - Users report **implementation issues** with Qonto, citing choppy performance, deposit limits, and limited account management flexibility. (4 reviews) - Users report experiencing **poor customer support** from Qonto, leading to frustration and unmet needs during urgent situations. (4 reviews) - Users find **pricing issues** with Qonto, noting high costs and better alternatives with more benefits elsewhere. (4 reviews) - Users experience significant **approval issues** with Qonto, citing unprofessional staff and delayed processes affecting their onboarding. (3 reviews) - Users express frustration with the **lack of integration** , causing delays and complicating their banking experience with Qonto. (3 reviews) - Users find Qonto's interface **not intuitive** , making it challenging for new users to navigate effectively. (3 reviews) - Payment Issues (3 reviews) - Users report experiencing **software bugs** with Qonto, leading to frustrating issues during payment processing and updates. (3 reviews) - Users report significant **access issues** with Qonto, facing poor customer service and delays in receiving important documents. (2 reviews) ## Qonto Reviews ### 1. Great UI, catastrophic support - lost my dispute rights due to their incompetence **Rating:** 0.5/5.0 stars **Reviewed by:** David G. | Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** March 26, 2026 **What do you like best about Qonto?** The interface is genuinely well-designed. Clean, modern, intuitive. Daily banking operations like transfers, expense tracking and card management are smooth and easy. Onboarding was fast and the app is pleasant to use. As a business owner, I appreciated the simplicity for day-to-day financial management. **What do you dislike about Qonto?** Customer support completely fails when you actually need it. I disputed unauthorized charges from Amazon after my seller account was permanently closed. I responded to every request with proof — screenshots, emails. Qonto repeatedly claimed they never received my replies, despite email being the only channel available. First dispute closed for "no response." Called and told to open a new identical one. Did that — same outcome. The phone explanation? My emails weren't processed because I didn't start with "Hello" followed by the agent's name. Absurd. I had 3 months to dispute. Their circular process burned that window. I lost everything. Formal demand letter via registered mail: zero response. Now with the regulator (ACPR) and mediator. **What problems is Qonto solving and how is that benefiting you?** onto was solving basic business banking needs — expense tracking, payments, card management. It worked well until I needed dispute resolution. At that point, it solved nothing. Instead, their broken process actively caused me financial harm by running out the clock on my legal right to contest unauthorized charges. ### 2. Qonto: Intuitive platform with strong customer service and continuously growing features **Rating:** 5.0/5.0 stars **Reviewed by:** Samantha M. | Office Management, Small-Business (50 or fewer emp.) **Reviewed Date:** March 10, 2026 **What do you like best about Qonto?** We have been using Qonto for several years for our business account and are overall very satisfied. We are particularly impressed by the very intuitive and clear handling of the platform. Many functions are self-explanatory, allowing banking transactions to be completed quickly and easily. Initially, Qonto was very easy to set up, with everything being essentially self-explanatory. The Datev interface was also set up quite quickly. It is also very positive that the range of functions is continuously being expanded. Qonto is constantly developing the platform further and regularly adds new features that are really helpful in everyday business. Customer service is also a big plus: inquiries are answered quickly and issues are resolved reliably and satisfactorily. The optional add-ons, such as for approval processes or supplier invoice management, are also practical. This allows the account to be flexibly expanded and better adapted to the company's own processes. I use Qonto daily, and I particularly appreciate the intuitive handling. **What do you dislike about Qonto?** Some advanced features are only available through additional add-ons. For smaller businesses, it may therefore be wise to carefully examine which extensions are truly needed. **What problems is Qonto solving and how is that benefiting you?** Qonto simplifies the management of our business account and many related processes for us. With its clear interface, well-structured transaction management, and additional features like approval processes or invoice management, financial operations can be efficiently organized and transparently represented within the team. ### 3. Review **Rating:** 4.5/5.0 stars **Reviewed by:** Aurore T. | Small-Business (50 or fewer emp.) **Reviewed Date:** May 12, 2026 ### 4. Review **Rating:** 4.5/5.0 stars **Reviewed by:** Maxime P. | Co-fondateur, Small-Business (50 or fewer emp.) **Reviewed Date:** May 01, 2026 ### 5. Quick, Intuitive, but Needs Better Accounting Integration **Rating:** 5.0/5.0 stars **Reviewed by:** Tiphaine B. | Small-Business (50 or fewer emp.) **Reviewed Date:** April 27, 2026 **What do you like best about Qonto?** What I love about Qonto is its ease of use and speed. Even someone who has never dealt with finances can easily handle and understand it. The interface is much smoother, simpler, and more intuitive than previous professional bank accounts at more traditional banks, and everything is really very easy to use. I also appreciate that creating a new bank account is very easy; you just need to provide a few legal documents and it literally takes 20 minutes. Using the app is also very simple. **What do you dislike about Qonto?** It's that there isn't an integration with the accountants, I think, so we still have an intermediary tool between our accounting services that comes between the two to address everything related to reconciliation, etc., really what the accountants need. It would be to avoid having this tool come between the two and for everything to happen directly on Qonto, which would make things even simpler. **What problems is Qonto solving and how is that benefiting you?** Qonto has a smooth and intuitive interface, making the transfer and execution of operations quick. It's simple for creating and tracking invoices. Even novices in finance find this tool easy to use. ### 6. Easy to Use, But Lacks Complete Banking Features **Rating:** 4.0/5.0 stars **Reviewed by:** JĂ©rĂ´me B. | General manager , Small-Business (50 or fewer emp.) **Reviewed Date:** April 20, 2026 **What do you like best about Qonto?** I love Qonto's internet application and its famous ease of use. The website is very pleasant to use and the native phone app is very flexible, which is great. In terms of ease of use, making a transfer or checking transactions is quite pleasant. I also appreciate that the initial setup is very simple, it just takes a few minutes to be operational. **What do you dislike about Qonto?** I think that Qonto could increase in value by being a true bank, offering overdrafts, lines of credit, and such services, not automatically but on demand. This would allow for better integration into a complete banking system to replace a traditional bank, which would be, for me, the biggest point for Qonto to become my main bank. **What problems is Qonto solving and how is that benefiting you?** I use Qonto to manage business expenses. It's an online bank that's quite easy to use for basic activities. The website is pleasant, and the mobile app is flexible, which makes the user experience enjoyable. ### 7. Qonto: Intuitive and Fast for Business Management **Rating:** 5.0/5.0 stars **Reviewed by:** Antonio S. | Amministratore, Small-Business (50 or fewer emp.) **Reviewed Date:** April 13, 2026 **What do you like best about Qonto?** I use Qonto for my business account and it is incredibly fast, easy, and immediate. I appreciate that everything is intuitive and sequential, with no doubts about what to do. I work with two other online banks, and Qonto is by far the easiest for searching transactions, viewing statements, and paying F24. I mainly use it from my phone, but when I have more work to do, I use the PC. I opened the account to have an alternative to ordinary banks, and gradually I closed those accounts to remain only with Qonto. Although the initial setup was a bit laborious, it is indicative of the platform's seriousness. I definitely recommend it, I already do, and I seize every opportunity to speak positively about it. **What do you dislike about Qonto?** I do not detect anything negative **What problems is Qonto solving and how is that benefiting you?** I find that Qonto is fast, easy, and immediate for managing the business account. Its intuitive and sequential design allows me to use the platform without doubts about what to do, simplifying operations like searching for account statements and paying F24. ### 8. Qonto’s customer service is appalling **Rating:** 0.0/5.0 stars **Reviewed by:** Jacques D. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** January 09, 2026 **What do you like best about Qonto?** I don't know, I didn't had the time to appreciate anything **What do you dislike about Qonto?** When I was setting up my company, I deposited my capital in a blocked account with Qonto. Not only did it take several days to validate this deposit, but even after my company was officially registered—and despite Qonto’s promise to release the capital within three days of receiving the Kbis—my funds are still unavailable five days later. When I call their customer service, as soon as I ask to speak to a manager, they either hang up on me, put me on hold (I waited 45 minutes before giving up), or pretend they can’t hear me anymore. After five days of waiting, when I asked why my capital still wasn’t available, they told me the notary was on vacation—as if that were a valid excuse! I’ve sent multiple emails to Qonto’s support team, but I haven’t received a single response. I still don’t know when the notary will return from vacation—or if they’ll even bother to review my file (assuming they don’t fall ill in the meantime) and finally release my capital. I have no idea when I’ll actually get my money back. In short, if you have an issue with Qonto, don’t expect help—because their call center staff are incompetent, give conflicting information, and refuse any discussion beyond “please be patient.” **What problems is Qonto solving and how is that benefiting you?** None ### 9. Simplified and Reliable Financial Management **Rating:** 5.0/5.0 stars **Reviewed by:** carmen l. | Senior CRM Specialist, Small-Business (50 or fewer emp.) **Reviewed Date:** March 26, 2026 **What do you like best about Qonto?** I love that Qonto is super easy to use and all the features are quite clear. If I have any questions, they are answered instantly. It also gives me total peace of mind to manage the professional part, as I have never had any problems with the account. I really like being able to split expenses and tag them to know exactly what each thing is about. The possibility for my accountant to have partial access to manage the financial part is great. Making and managing invoices is very easy, and my clients can pay me directly from there, which speeds up the whole process. **What do you dislike about Qonto?** I don't like everything **What problems is Qonto solving and how is that benefiting you?** With Qonto, I activate and pay my invoices easily, allow my accountant to manage the accounts without complications, receive payments from clients directly, and can split expenses effectively. Additionally, it was extremely easy to open the professional account. ### 10. Efficient and User-Friendly Fintech App for Desktop and Mobile **Rating:** 5.0/5.0 stars **Reviewed by:** stefano d. | AWS Cloud Solution Architect | Senior Data Architect | System Engineer | PAM Security Specialist, Small-Business (50 or fewer emp.) **Reviewed Date:** January 07, 2026 **What do you like best about Qonto?** A simply and efficient financial tech application running both on desktop and mobile. Many features can be activated with a simple click and all is fast. I use the app Qonto many times a week to review the position of the account. **What do you dislike about Qonto?** nothing at the moment. I think that Qonto is one of the best app on the market. But... the customer support was unable to help me several times: in the end, I gave up using customer care. **What problems is Qonto solving and how is that benefiting you?** The first problem it solved for me was opening a current account (mandatory in Italy) connected to my company. The second problem solved was the reconciliation of bank statements and balances for company accounting. Finally, the ease of use and the numerous features of the Qonto app. ### 11. Affordable and Easy-to-Use Banking Service **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** February 02, 2026 **What do you like best about Qonto?** I appreciate that Qonto is an inexpensive online banking service that is connected to my accountant. The ease of use is a big plus for me. I like being able to enter my invoices directly and that my account is linked to Pennylane, which simplifies my accounting. The initial setup was very easy, and I highly recommend it, to the point that I would give it a rating of 9 out of 10. **What do you dislike about Qonto?** I do not have access to financing or even installment payments, even though my company has regular revenue and I have had my account for 6 months. **What problems is Qonto solving and how is that benefiting you?** I find that Qonto is an inexpensive online banking service. It is connected to my accountant and to Pennylane, which makes my accounting easier with direct invoice entry. Its use is simple and efficient. ### 12. A Must-Have for Small Businesses **Rating:** 5.0/5.0 stars **Reviewed by:** Alexandre C. **Reviewed Date:** January 12, 2026 **What do you like best about Qonto?** I love the simplicity, speed, efficiency, and reduced cost of Qonto. I feel a sense of freedom compared to traditional banks. The simplified and immediate transfers are particularly appreciable. The ergonomics of Qonto make the transfer action smooth and fast, and the subscription cost is low. Even the additional fees when making transfers beyond the threshold make the overall service more competitive. I also feel that Qonto simplifies and prioritizes the business of small companies. Moreover, AI makes the service of a banking advisor obsolete. The initial setup of Qonto was quick and flawless. **What do you dislike about Qonto?** Like any entrepreneur with both a proven strong development potential and at the same time a difficulty in finding adequate funding, I would like Qonto to be able to offer suitable financing, such as FBR like PayPal does. **What problems is Qonto solving and how is that benefiting you?** Qonto makes the daily management of our treasury more efficient and faster than traditional banks. It offers simplicity, speed, efficiency, and reduced cost, making banking advice obsolete. The banking transition was smooth, and transfers are simplified and immediate. ### 13. Simple Banking Solution with Excellent Usability **Rating:** 5.0/5.0 stars **Reviewed by:** Jo S. | Consultant, Small-Business (50 or fewer emp.) **Reviewed Date:** May 12, 2026 **What do you like best about Qonto?** I like how Qonto allows me to manage all my transactions for general business banking needs. The initial setup was very easy, and it works well for what I need. I also appreciate how it serves as a simple, generic bank account without complicating features. **What do you dislike about Qonto?** The price for the X Metal card is a bit steep, but I appreciate the travel insurance that comes with it. **What problems is Qonto solving and how is that benefiting you?** Qonto allows me to do general business banking and manage all transactions effectively. It's a generic bank account that works well for my needs. ### 14. Easy for Accounting and Banking Management **Rating:** 5.0/5.0 stars **Reviewed by:** Anne L. **Reviewed Date:** January 05, 2026 **What do you like best about Qonto?** I appreciate the simplicity of invoice editing with Qonto, it's very simple. The accounting tracking is also simple and can be shared with my accountant, which is a big advantage. Invoices can be pre-established, saved, and sent directly to suppliers or clients, which facilitates the process. Recently, the ability to make transfers to India has been a big improvement for me, as it was a concern before. The initial setup with Qonto was simple but professional and everything was OK. **What do you dislike about Qonto?** Before, I couldn't make transfers to India - a big problem for me. What I would like: for Qonto to offer us interesting investment options. **What problems is Qonto solving and how is that benefiting you?** I use Qonto to manage invoices simply, track accounting easily with my accountant, and get real-time debit information. Before, I couldn't make transfers to India, a big issue that is now resolved, a great improvement. ### 15. Simplicity and Efficiency with Some Improvements to Make **Rating:** 5.0/5.0 stars **Reviewed by:** David C. **Reviewed Date:** January 05, 2026 **What do you like best about Qonto?** I used Qonto from the creation of my company to easily manage my company's bank account. I really appreciate the simplicity, efficiency, and speed of processing. When creating my company, it was extremely simple and smooth, and everything was completed in 7 days. I like the online or mobile interface, which allows me to instantly perform all the routine operations I need for my business. The initialization of Qonto was very simple, without any difficulty, and I would unhesitatingly recommend this service with a rating of 10. **What do you dislike about Qonto?** The interface could still be simplified. The UX is not yet ideal. There is also a recurring bug, I cannot read the PDFs (supporting documents) I uploaded online (Safari on MacBook). I am forced to download them to read them. **What problems is Qonto solving and how is that benefiting you?** I use Qonto to manage my accounts whenever and wherever I want. The simplicity and efficiency of the interface allow me to perform all my operations instantly, and the creation of my company was smooth and fast. ### 16. Reliable, Secure, and Extremely Fast **Rating:** 5.0/5.0 stars **Reviewed by:** Alex M. **Reviewed Date:** December 30, 2025 **What do you like best about Qonto?** I like the dynamism and speed of responses from Qonto, as well as the sense of security it offers me. They resolved issues with unrecognized charges and attempts of fraudulent charges without hesitation. When I had a problem with a card, they sent me another one in just 2 days, making me feel supported and never in difficulty. The initial setup was immediate and very easy, thanks to the step-by-step guide they offer. Even the document verifications are quick, an excellent service. **What do you dislike about Qonto?** So no yes yes if it could also integrate a system like a cloud-based factor where I can fully manage my accounting and not just limit to storing invoices for purchases, let's say it would be extraordinary and I think 99% of companies would use it. Perhaps even increasing the fee. **What problems is Qonto solving and how is that benefiting you?** I use Qonto and it's spectacular. It solves any banking issue from the simplest to the most complicated and gives me access to credit lines. I appreciate the dynamism, speed, and sense of security. Activation is immediate and guided, with fast document verification. ### 17. Review **Rating:** 4.5/5.0 stars **Reviewed by:** carlo federico g. | Small-Business (50 or fewer emp.) **Reviewed Date:** May 11, 2026 ### 18. The Perfect Solution for Self-Employed **Rating:** 5.0/5.0 stars **Reviewed by:** lenny l. **Reviewed Date:** December 24, 2025 **What do you like best about Qonto?** I use Qonto as a self-employed entrepreneur for efficient and centralized management of invoices, from their creation to their tracking. The invoicing tools integrated with payment tools are a big plus because traditional banks do not offer this service with their business account packages. Additionally, Qonto is super easy to use with invoices that comply with standards in France, and has switched to electronic invoicing, which is great! I am also very satisfied with the payment solutions offered through the app. The service is impeccable, the offer is very comprehensive and professional, while being easy to understand for beginners like me. **What do you dislike about Qonto?** Nothing **What problems is Qonto solving and how is that benefiting you?** Qonto allows me to manage invoices efficiently and centrally, from their creation to their tracking. With integrated and compliant invoicing tools, it's super easy to use. The payment solution is satisfactory, and I am happy with the electronic features. ### 19. Effective Expense Management with Room for Improvement **Rating:** 4.5/5.0 stars **Reviewed by:** Filipa M. **Reviewed Date:** December 08, 2025 **What do you like best about Qonto?** I appreciate that Qonto is very helpful for making transfers and chasing invoices. It matches the existing invoices to the transactions, which is also very helpful. This feature allows me to track them easily, and it helps me know which members have been paid and which have not. **What do you dislike about Qonto?** I think that the tasks feature is not really relevant to me because the tasks that should be assigned there to me are not there. Also, I feel like the notifications, the event notifications, are a bit annoying, and I would like Qonto to make summarized notifications. The initial setup was not easy. I didn't find the staff helpful. I felt like they were not professional. They asked me to share legal documents via email even though I had already shared them when I opened the account on the Qonto portal. I also received some rude phone calls from the staff asking me to share more details, which I had already shared before. **What problems is Qonto solving and how is that benefiting you?** Qonto helps my company with making transfers, chasing invoices, and matching them to transactions. It's helpful in tracking missing invoices and seeing which payments are complete or pending. ### 20. Ease of Use, Good Accounting Integration **Rating:** 5.0/5.0 stars **Reviewed by:** Bruno S. **Reviewed Date:** December 22, 2025 **What do you like best about Qonto?** I greatly appreciate the ease of use of Qonto as well as its price. Managing the company becomes simple online thanks to its ergonomics. I like receiving immediate notifications of expenses and income. The integration with Dougs is seamless, and the initial setup is quick. Everything is done online, which makes the installation very convenient. **What do you dislike about Qonto?** I find that there is a lack of clarity regarding the account's yield. It seems that the option is only valid from a certain amount due to the service cost. There is no simulation to estimate at what account balance the service fees apply. Moreover, sponsorship is not valued, although sponsorship is well considered on Dougs. **What problems is Qonto solving and how is that benefiting you?** Qonto facilitates business management with a direct update to the accounting tool. It is simple to use online, with good ergonomics, and allows for immediate awareness of expenses and income. ### 21. Effortless Setup, Highly Recommended **Rating:** 5.0/5.0 stars **Reviewed by:** Jose Miguel B. | Small-Business (50 or fewer emp.) **Reviewed Date:** March 05, 2026 **What do you like best about Qonto?** I use Qonto for my business and it's simple and straightforward, which is priceless for me. It provides the account I needed and I also have insurance with them. I like how I am notified when I have been paid, which helps me manage money transfers and my invoices. Setting up Qonto was very easy and fast! **What do you dislike about Qonto?** For now I am still learning how to get the most. But no credit card is available for me or a savings account would be nice. **What problems is Qonto solving and how is that benefiting you?** Qonto provided the business account and insurance I needed, makes money transfers and invoicing straightforward, and notifies me when I get paid. It's simple to use, which is priceless. ### 22. Facilitate Financial Management, Support Improvable **Rating:** 4.5/5.0 stars **Reviewed by:** Miriam U. | Autora de "El MĂ©todo ESFERA", Small-Business (50 or fewer emp.) **Reviewed Date:** January 12, 2026 **What do you like best about Qonto?** What I like most about Qonto is the ease of use, both in opening the account and in day-to-day management. It is especially convenient to be able to carry out tasks without having to waste days managing appointments and going to offices. Additionally, it was very easy to set up the service initially. **What do you dislike about Qonto?** Support options are sometimes not as diligent as they should be. The support chat does not clearly show the average response time, which creates uncertainty. Additionally, it is difficult to clearly find which support channels are available and which to use in each case. **What problems is Qonto solving and how is that benefiting you?** Qonto helps me manage payments, collections, and invoicing. It is useful for reviewing treasury and obtaining cash flow forecasts. Also, I love its ease of use and being able to carry out transactions without appointments or going to offices. ### 23. Intuitive interface and numerous financing options **Rating:** 5.0/5.0 stars **Reviewed by:** Pierre S. | Co-fondateur & CTO, Small-Business (50 or fewer emp.) **Reviewed Date:** March 27, 2026 **What do you like best about Qonto?** The interface and the different financing options. **What do you dislike about Qonto?** Customer support by phone/chat is starting to get lost. Before, I was 1000% satisfied, now we encounter less competent people, all answers become more complicated instead of simplified. We quickly reach conclusions like "Sorry, we can't do anything." **What problems is Qonto solving and how is that benefiting you?** My accounting, possibility of financing, possibility of making an automatic and simple bank reconciliation ### 24. Facilitate the management of transactions and invoices **Rating:** 4.5/5.0 stars **Reviewed by:** LĂ©a E. | Small-Business (50 or fewer emp.) **Reviewed Date:** February 25, 2026 **What do you like best about Qonto?** I am very happy with my use of Qonto. I use it to easily track my transactions and create invoices for my clients. I appreciate that the interface is clear and that I can navigate it easily without wasting my time. Additionally, linking my accounts with another bank was very simple. You quickly get the hang of all the elements and menus, it's perfect for not wasting time on accounting. **What do you dislike about Qonto?** Perhaps more ease in exporting things for my accountant in the light version. **What problems is Qonto solving and how is that benefiting you?** I use Qonto to easily track my transactions, send invoices to my clients, and link them to the money entries in my bank account. ### 25. Review **Rating:** 5.0/5.0 stars **Reviewed by:** Laurent V. | Co-fondateur et Directeur Technique, Small-Business (50 or fewer emp.) **Reviewed Date:** May 12, 2026 ### 26. Easy to Use with Efficient Integration **Rating:** 4.0/5.0 stars **Reviewed by:** Diana M. **Reviewed Date:** January 28, 2026 **What do you like best about Qonto?** I like the ease of use of Qonto. I also appreciate that it is easy to manage, fast, and provides solutions for many things, such as instant transfers. The initial setup was very easy, which is a great benefit for starting to use the platform without complications. **What do you dislike about Qonto?** It seems a bit of a hassle to have to add and save a beneficiary to make a payment. Maybe it's someone with whom we won't make any more payments, and then I have to go through the trouble of deleting them. I would also like to be able to save my favorites, and if I don't want to, for them not to appear in the list. **What problems is Qonto solving and how is that benefiting you?** I use Qonto because it is easy to manage, fast, and allows instant transfers. Its ease of use is what I like the most. ### 27. Intuitive, fast and helpful support **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Computer & Network Security | Small-Business (50 or fewer emp.) **Reviewed Date:** March 27, 2026 **What do you like best about Qonto?** I find it intuitive and I like the web interface, which is fast, reliable and easy to use. The mobile app is handy for quick operations. Customer support is usually helpful and responds quickly. The integration with Google Sheet works quite well. Overall, the value I perceive to receive is higher than its cost. **What do you dislike about Qonto?** Some features are a bit basic, e.g. the synchronisation with Google Sheet works only for the Qonto account, and not for the connected accounts **What problems is Qonto solving and how is that benefiting you?** It helps reducing manual finance administration activities and poor accounting integration among the company's system ### 28. Intuitive and Innovative, But Needs Improvement on Account Intuitiveness **Rating:** 4.5/5.0 stars **Reviewed by:** Nathalie I. **Reviewed Date:** December 01, 2025 **What do you like best about Qonto?** I greatly appreciate the professional, simple, and intuitive interface of Qonto, which allows for easy navigation even for those who are not very comfortable with digital tools. I like the regularity with which new relevant features are added, enriching the basic offer without complicating it. This shows a true commitment to continuous improvement. Qonto is an indispensable tool for me on a daily basis that facilitates my organization, especially thanks to the ability to add my accountant, thus simplifying all accounting procedures, making the experience smooth and efficient. It is a service that meets my expectations and that I highly recommend. The fact that this tool allows me to centralize my accounting tracking smoothly is a real advantage. The new features added gradually enrich the offer while avoiding scattering with other tools, which is very beneficial. **What do you dislike about Qonto?** I find that locating the bank account details is not very intuitive, especially when I have multiple accounts. It's one of the rare things that every time I need to look for it, it causes me trouble and I'm not too sure where to find it. This part of the interface could be simplified or made more intuitive. **What problems is Qonto solving and how is that benefiting you?** I use Qonto for smooth organization by centralizing my accounting tracking, which simplifies accounting and with new features, enriching the offer without complicating it. ### 29. Very agile online bank for a small LLC **Rating:** 5.0/5.0 stars **Reviewed by:** Luis Miguel P. | Managing director, Small-Business (50 or fewer emp.) **Reviewed Date:** February 19, 2026 **What do you like best about Qonto?** Quick setup and configuration, very intuitive app, and immediate control of movements. For a business with simple operations, I have everything organized without complications. Notifications and card management help keep the day-to-day up to the minute. **What do you dislike about Qonto?** I miss some details in reports (more filters and views) **What problems is Qonto solving and how is that benefiting you?** The cards (physical/virtual), the limits, and the real-time notifications make it easy to track who spent what and prevent surprises. ### 30. Economic Pro Banking Solution, But Support Needs Improvement **Rating:** 5.0/5.0 stars **Reviewed by:** Maxime B. | Small-Business (50 or fewer emp.) **Reviewed Date:** February 25, 2026 **What do you like best about Qonto?** I like the rates of Qonto's pro account, it's not expensive. The incoming debits solution is also an advantage. Moreover, the initial setup of Qonto was easy. I also use the storage of receipts attached to transactions. **What do you dislike about Qonto?** I don't like the quality of Qonto's customer service chat. Too often, they just redirect to a generic FAQ page without checking if it actually answers the question. **What problems is Qonto solving and how is that benefiting you?** Qonto is my professional bank account solution, it facilitates client payments and the payment of taxes, contributions, and suppliers. Its rates for professional accounts and incoming debits are affordable. ### 31. Easy to Use, Affordable, and Backed by Responsive Support **Rating:** 5.0/5.0 stars **Reviewed by:** Arnaud L. | Consultant SAP Finance, Small-Business (50 or fewer emp.) **Reviewed Date:** April 04, 2026 **What do you like best about Qonto?** The ease to use the application. Avaibility of the support. Low price **What do you dislike about Qonto?** Features are too expensive (tresureary, invoices) **What problems is Qonto solving and how is that benefiting you?** I'm only one in my company involve in a lot of things. Have a bank which is simple to use, simple to contact is a real benefit for me. ### 32. The Easiest Business Banking Solution **Rating:** 5.0/5.0 stars **Reviewed by:** Soufiane B. | Business Analyst, Small-Business (50 or fewer emp.) **Reviewed Date:** May 05, 2026 **What do you like best about Qonto?** I use Qonto in a business context and find it easy to use. I appreciate the easy invoicing feature, which is very convenient for my needs. The available teams for support are also a plus. It's the easiest bank I've ever used. **What do you dislike about Qonto?** Free plan with more advantages **What problems is Qonto solving and how is that benefiting you?** I find Qonto easy to use. Invoicing is straightforward, and the support teams are readily available. It's the easiest bank I've used. ### 33. Simple, Intuitive, and Effective for Accounting **Rating:** 5.0/5.0 stars **Reviewed by:** Bilal Y. | Small-Business (50 or fewer emp.) **Reviewed Date:** April 14, 2026 **What do you like best about Qonto?** I love the simplicity of Qonto and the way everything is done in the app. The accounting management is very convenient, especially the ability to simply take a photo to do my accounting. This makes tasks much easier and more efficient. **What do you dislike about Qonto?** for me everything is clear. **What problems is Qonto solving and how is that benefiting you?** I use Qonto as the main gateway for my company. Its simplicity and the accounting management feature, where a simple photo is enough for my accounting, are valuable. ### 34. Reliable and Secure System with Immediate Assistance **Rating:** 5.0/5.0 stars **Reviewed by:** Wilson Ricardo R. **Reviewed Date:** December 26, 2025 **What do you like best about Qonto?** I like the simplicity of access and the assistance with my data, which is fast and secure. I am confident that I can carry out my transactions completely independently and I appreciate the speed of access to the history. Navigation through a menu divided by categories makes the search very simple and clear. The assistance is always very quick in responding, which led me to choose Qonto over other banking institutions. Additionally, the initial setup process was very easy. **What do you dislike about Qonto?** nothing **What problems is Qonto solving and how is that benefiting you?** I use Qonto for invoice collections and payments, it gives me peace of mind with a reliable and secure system. The simplicity of access and quick assistance with data is excellent, offering me autonomy in transactions and quick access to the history. ### 35. Qonto Simplifies and Streamlines Accounting Management **Rating:** 5.0/5.0 stars **Reviewed by:** Vincent C. | Small-Business (50 or fewer emp.) **Reviewed Date:** February 24, 2026 **What do you like best about Qonto?** I really like the simplicity of using Qonto and the chat service which is very available. The chat service is interesting because it allows you to have a very quick interlocutor online. The simplicity of use is related to the fact that it brings together all my tools, which is convenient since before I used three different tools. **What do you dislike about Qonto?** the new paid modules **What problems is Qonto solving and how is that benefiting you?** Qonto provides me with better agility for accounting management, an effective solution for my expense reports, and brings together my invoicing and quotation tools on a single platform. I like the simplicity of use and the very available chat service. ### 36. Qonto: Intuitive with some necessary adjustments **Rating:** 5.0/5.0 stars **Reviewed by:** Michael F. | Chef d’exploitation, Small-Business (50 or fewer emp.) **Reviewed Date:** April 20, 2026 **What do you like best about Qonto?** I like using Qonto for managing my invoices and quotes, as I create a lot of quotes. I also find the app and the current account very useful. The initial setup of Qonto was very easy. **What do you dislike about Qonto?** Not really, I think they should just review the TPE offer because their commission is too high. **What problems is Qonto solving and how is that benefiting you?** Qonto manages almost everything except POS terminals, and I appreciate the quotes because I make a lot of them. ### 37. Simple, High-Performance UI with Great Pricing, Support, and Integrations **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Design | Small-Business (50 or fewer emp.) **Reviewed Date:** May 04, 2026 **What do you like best about Qonto?** Simplicity of the design (UI/UX), pricing, performance, client service, the new AI tools sounds cool, and the integration with other tools too. **What do you dislike about Qonto?** It lacks a TVA tele declaration tool, but everything else is great ! **What problems is Qonto solving and how is that benefiting you?** Managing my account as a freelancer. Scaning my tickets is a great feature as well as it helps me get things in order fast. ### 38. Ease of Use and Responsive Support, but High Costs **Rating:** 5.0/5.0 stars **Reviewed by:** Hugo D. **Reviewed Date:** January 03, 2026 **What do you like best about Qonto?** I appreciate the simple use of Qonto, which makes accounting management very accessible. The customer service is also a big plus for me, as it is responsive and allows for quick and easy resolution of encountered issues. **What do you dislike about Qonto?** The main problem is that most of the options are paid and the additional cost is excessive in my opinion (notably the recurring invoices option which doubles the subscription price, complicated for small businesses). The fact that everything is excluding tax and not including tax requires calculations for the cost of the services we offer as well. **What problems is Qonto solving and how is that benefiting you?** I use Qonto to simplify my professional accounting, manage my invoices, and easily track my cash flow. ### 39. Not a real pro account, no LCR **Rating:** 0.0/5.0 stars **Reviewed by:** Kf D. | Chef d’entreprise, Small-Business (50 or fewer emp.) **Reviewed Date:** October 09, 2025 **What do you like best about Qonto?** It's that no one competent who knows about bills of exchange is being put through to me. They don't address a professional account when you can't process LCR on an account with an automatic debit mandate. This bank is worthless; they don't even know what bills of exchange are. It's nonsense. **What do you dislike about Qonto?** He does not address a business account when one cannot process a bill of exchange on an account with automatic debit authorization. This bank is worthless; they don't even know what bills of exchange are. It's nonsense. **What problems is Qonto solving and how is that benefiting you?** The problem cannot be solved; it requires opening an account before asking questions, it's nonsense. ### 40. Qonto: Simple Efficiency and Exemplary Support **Rating:** 4.5/5.0 stars **Reviewed by:** Éric C. **Reviewed Date:** December 18, 2025 **What do you like best about Qonto?** I love the simplicity of the Qonto app, and the fact that you can do just about everything you need for a business. I appreciate the quality of their support, which allows you to get a response even on a Sunday afternoon. The integration with my accountant to automatically retrieve all entries works really well. **What do you dislike about Qonto?** I find that retrieving bank statements takes quite a bit of time, and I can never remember the exact path to go and retrieve my bank statements. **What problems is Qonto solving and how is that benefiting you?** Qonto allows me to manage my entire banking integration with a simple application. I can create cards, make transfers quickly and easily. Everything is centralized, and this greatly simplifies my banking operations for my business. ### 41. High-quality and very responsive professional bank account **Rating:** 5.0/5.0 stars **Reviewed by:** Marie D. | Artisan, Small-Business (50 or fewer emp.) **Reviewed Date:** November 15, 2024 **What do you like best about Qonto?** Systematic notification of movements Ease of executing transfers Clarity of tracking **What do you dislike about Qonto?** No possibility of payment by bill of exchange LCR **What problems is Qonto solving and how is that benefiting you?** Global professional solution ### 42. Ease and Efficiency with Qonto **Rating:** 5.0/5.0 stars **Reviewed by:** walid G. **Reviewed Date:** December 29, 2025 **What do you like best about Qonto?** I appreciate the ease of use of Qonto, which makes the financial management of my business much simpler. The responsiveness of the bank is also a major asset. I like how Qonto facilitates invoice tracking and cash flow control, thus offering a considerable time saving. The initial setup of Qonto was super easy, which made the integration into our workflow hassle-free. I recommend Qonto to my friends and family with a rating of 10. **What do you dislike about Qonto?** Qonto could offer bank guarantees **What problems is Qonto solving and how is that benefiting you?** Qonto makes usage easier, offers a responsive bank, simplifies invoice management and cash flow control, and saves me time. ### 43. Time Saving, Impeccable Connectivity **Rating:** 4.5/5.0 stars **Reviewed by:** Adrien O. **Reviewed Date:** February 05, 2026 **What do you like best about Qonto?** I love the connectivity, the application, and the direct connection with my accountant - it greatly facilitates my daily management. The 100% digital aspect of Qonto is a big plus. The initial setup process, at the creation of the company, was very simple. **What do you dislike about Qonto?** Qonto could make its current account remuneration offer more attractive. **What problems is Qonto solving and how is that benefiting you?** I use Qonto for electronic invoicing and expense reports. It's a 100% digital tool that saves me a lot of time in bookkeeping thanks to its connectivity with my accountant, in particular. ### 44. Effortless Finances and Outstanding Support with Qonto **Rating:** 5.0/5.0 stars **Reviewed by:** Elsa C. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** December 19, 2025 **What do you like best about Qonto?** What I like best about Qonto is how easy it makes day‑to‑day finance: a really intuitive interface, and excellent, responsive customer support that saves me time and headaches. **What do you dislike about Qonto?** What I like less is how long check deposits take to be processed, and the fact that the number of checks allowed is still too limited. **What problems is Qonto solving and how is that benefiting you?** Qonto takes away a lot of the administrative pain of running a small business: it centralises banking, invoicing, expenses and accounting. ### 45. Administrative Optimization and Daily Time Savings **Rating:** 5.0/5.0 stars **Reviewed by:** greg t. **Reviewed Date:** January 20, 2026 **What do you like best about Qonto?** Qonto has changed my administrative management style and saved me a lot of time daily. I appreciate the ease of management and the optimization of time and operations it offers. The initial setup of Qonto was very intuitive and well-organized online, which was very convenient. I have already recommended Qonto to many colleagues. **What do you dislike about Qonto?** The numbering of invoices causes problems every new year, it causes problems. **What problems is Qonto solving and how is that benefiting you?** Qonto facilitates management, optimizes time and operations, improves the reliability of my accounting, and saves me a lot of time daily. ### 46. Winning Ergonomics, But Lack of Important Functionality **Rating:** 4.5/5.0 stars **Reviewed by:** philippe c. **Reviewed Date:** January 06, 2026 **What do you like best about Qonto?** I particularly appreciate the ergonomics of Qonto, the immediate availability of all histories, the ease of operations, and the reasonable price. The immediate and free verification of all entries and operations is also highly appreciated. **What do you dislike about Qonto?** A significant shortcoming: not being able to directly open a CTO for a company and manage it directly. Current obligation to use a different application. **What problems is Qonto solving and how is that benefiting you?** I use Qonto to manage a business account by facilitating account tracking and routine operations like transfers. Its user-friendliness, immediate availability of histories, and ease of operations make it valuable. ### 47. Intuitive Interface, Continuous Access **Rating:** 5.0/5.0 stars **Reviewed by:** Laurent B. **Reviewed Date:** December 31, 2025 **What do you like best about Qonto?** I love the simplicity of using Qonto, it's very intuitive with a well-organized and clear interface. I appreciate that it is always accessible, which allows me to perform administrative tasks at any time, even in the evening or on weekends. Qonto offers good value for money. The initial setup was great from the start. **What do you dislike about Qonto?** have automatic sums on certain filters (quotes, invoices, expenses, ...) **What problems is Qonto solving and how is that benefiting you?** I use Qonto to manage quotes, invoices, and transfers easily. The clear and well-organized interface allows me to perform my administrative tasks at any time. It's convenient, accessible, and offers good value for money. ### 48. Clear, Simple, and Fast **Rating:** 5.0/5.0 stars **Reviewed by:** Marco S. | Associato, Small-Business (50 or fewer emp.) **Reviewed Date:** February 23, 2026 **What do you like best about Qonto?** I like the clarity and simplicity of use of Qonto, as well as its speed. I find it easy to perform the necessary operation because it is very intuitive and you always understand where to click and what to do. I also appreciate that the installation was simple and fast. **What do you dislike about Qonto?** nothing **What problems is Qonto solving and how is that benefiting you?** Qonto saves me time with transfers, thanks to its clarity and ease of use. It's easy and intuitive to know where to click and what to do. ### 49. Efficient Organization and Instant Payment **Rating:** 4.5/5.0 stars **Reviewed by:** Ă“scar G. **Reviewed Date:** January 09, 2026 **What do you like best about Qonto?** Qonto is very useful for paying and uploading invoices instantly, keeping everything under control. I like its invoice organization system and its card. I also appreciate the limits that can be set for each card, as the administrator can adjust them according to the utility, which is very convenient. It is very easy to upload invoices and have everything well organized. **What do you dislike about Qonto?** I like everything **What problems is Qonto solving and how is that benefiting you?** Qonto is very useful for paying and uploading invoices instantly, keeping everything organized. The credit limit system on the cards is flexible according to needs. ### 50. Absolute Ease and Responsive Support **Rating:** 5.0/5.0 stars **Reviewed by:** Laurence B. | Small-Business (50 or fewer emp.) **Reviewed Date:** February 24, 2026 **What do you like best about Qonto?** When I have a problem, someone responds to me immediately. I receive all the transactions I make by email. The initial setup of Qonto was an absolute ease, I opened my account in 2 clicks. **What do you dislike about Qonto?** Nothing, I love everything **What problems is Qonto solving and how is that benefiting you?** Qonto is easy to apply and manage. When I have a problem, I get an immediate response, and I receive all transactions by email. The setup was absolutely easy, with just two clicks. ## Qonto Discussions - [What is Qonto used for?](https://www.g2.com/discussions/what-is-qonto-used-for) - 1 comment - [View Qonto pricing details and edition comparison](https://www.g2.com/products/qonto/reviews?section=pricing&secure%5Bexpires_at%5D=2026-05-14+10%3A21%3A40+-0500&secure%5Bsession_id%5D=1f167f8d-7579-48ad-9f05-9591c99782fb&secure%5Btoken%5D=553f8d7df4b8c4223cbd3992ad1bab6b07f6fcad9e3430e95d7568f5aa989cce&format=llm_user) ## Qonto Integrations - [Datev](https://www.g2.com/products/datev/reviews) - [GoCardless](https://www.g2.com/products/gocardless/reviews) - [Google Workspace](https://www.g2.com/products/google-workspace/reviews) - [Indy](https://www.g2.com/products/indy/reviews) - [Pennylane](https://www.g2.com/products/pennylane/reviews) ## Qonto Features **Expense Reports** - Ease of Creating Expense Reports - Bank / Credit Card Integration - Smart Categorization - Digital Receipt Management - Employee Reimbursement **Setup** - Data - Approvals - Alignment **Data Management** - Consolidation - Classification - External Sources - Integration - Cleaning **Invoice Generation** - Templates - Digital Invoices - Recurring Invoices **Cash Flow Management** - File Exports - Income and Expenses - Track Cash Flow **Agentic AI - Accounts Payable (AP) and Spend Analysis** - Decision Making **Agentic AI - Accounting & Finance** - Autonomous Task Execution **Agentic AI - Expense Management** - Autonomous Task Execution - Cross-system Integration **Performance** - KPIs - Benchmarks - Forecasting - Savings **Analytics** - Benchmarking - KPIs - Compliance - Errors **Invoice Processing** - Approvals - Batch Processing - Consolidation - Match Invoices **Cash Flow Forecasting** - Historical Data - Reforecast - Forecast Types - Rolling Forecasts - AI **Analytics** - Due Dates - Cashflow - KPIs - Payment Tracking **Analytics** - Variance Analysis - Reports - Forecast Comparison - Forward Looking **Recovery** - Historical payments - Overpayments **Payment Cards** - One-time Virtual - Recurring Virtual - Physical **Client Invoicing** - Invoice Creation and Delivery - Electronic Payments - Project Accounting / Revenue Recognition **Integration** - Accounting - Payments - ERP - Account Sync **Financial Data Transfer** - Data Transfer - Data Exchange - Reporting - Access - Integration **AP Data Processing** - Workflows - Transparency - Controls **Reporting** - Real time - Multiple Views - Export - Budgets **Generative AI - Expense Management** - Image-to-Text - Text Generation - Text Summarization **Payments** - Vendor - Recurring - Employee Reimbursements - ACH **Agentic AI - Cash Flow Management** - Autonomous Task Execution **Agentic AI - Invoice Management** - Cross-system Integration - Adaptive Learning - Proactive Assistance **Mobile** - Receipt Capture **Platform** - Complex Approval Workflow **Fraud & Risk Management** - Notifications - Unique Cards - Controls **Administration** - PCI Regulation Compliant **Agentic AI - Spend Management** - Proactive Assistance **Administration** - Business Tool Integration - Workflow - Automated Reminders - Policy Compliance Management - User, Role, and Access Management **Platform** - Reporting - APIs / Integration - Internationalization - Performance and Reliability - Mobile User Support ## Top Qonto Alternatives - [Pleo](https://www.g2.com/products/pleo/reviews) - 4.7/5.0 (1,417 reviews) - [Payhawk](https://www.g2.com/products/payhawk/reviews) - 4.5/5.0 (880 reviews) - [Spendesk](https://www.g2.com/products/spendesk/reviews) - 4.6/5.0 (411 reviews)