[ Qonto Reviews ](https://www.g2.com/products/qonto/reviews) [ Qonto Reviews ](https://www.g2.com/products/qonto/reviews) # Qonto Pricing Overview [Editedit](https://my.g2.com/qonto/pricings) Free Trial ## Qonto Pricing Key Insights Last updated on Apr 30, 2026 * * * Qonto offers **6 pricing editions** , starting from **€9** to **€199**. Qonto pricing tiers are designed to support different usage levels and team sizes. Qonto also offers a **free trial**. Compare the Qonto pricing table below to figure out the best fit for your needs. Some plans may require you to contact **Qonto** for **custom pricing**. * * * Basic — €9 / Per Month Smart — €19 / Per Month Premium — €39 / Per Month Essential — €49 / Per Month Business — €99 / Per Month Enterprise — €199 / Per Month Rated 4.6 / 5 \*Pricing information is supplied by the software provider or retrieved from publicly accessible pricing materials. Final cost negotiations must be conducted with the seller. Basic €9.00 Per Month - 1 x One Card Mastercard with €20,000/month payment limit - 30 transfers or direct debits/month - 1 account - 7-day-a-week support - 14,000+ partner integrations - Client invoice creation - Supplier invoice centralization & payment Show More Smart €19.00 Per Month - 1 x One Card Mastercard + 50 virtual cards/month - 60 transfers or direct debits/month - 1 account + 1 sub-account - 7-day-a-week support - 14,000+ exclusive integrations - Client invoice creation - Supplier invoice centralization & payment - Supplier management - Digitized & certified receipts - Advanced dashboard - Unlimited accountant users Show More Premium €39.00 Per Month - 1 x One Card Mastercard + 50 virtual cards/month - 100 transfers or direct debits/month - 1 account + 4 sub-accounts - Priority 7-day-a-week support - 14,000+ exclusive integrations - Client invoice creation - Supplier invoice centralization & payment - Supplier management - Digitized & certified receipts - Advanced dashboard - Unlimited accountant users Show More Essential €49.00 Per Month - 2 x One Card business Mastercards + 50 virtual cards - 150 transfers or direct debits/month - Unlimited team members + Accountant access - 1 account + 4 sub-accounts - 14,000+ exclusive partner integrations - 7-day-a-week support - Access to financing offers - Account Payable & Receivable tools - Automated bookkeeping tools Show More Business €99.00 Per Month - 10 x One Card business Mastercards + 50 virtual cards - 500 transfers or direct debits/month - Unlimited team members + Accountant access - 1 account + 9 sub-accounts - 14,000+ exclusive partner integrations - Priority 7-day-a-week support - Manager role - Expense management tools - Account Payable & Receivable tools - Access to financing offers - Automated bookkeeping tools - Customizable payment permissions and controls - Advanced dashboard Show More Enterprise €199.00 Per Month - 30 x One Card business Mastercards + 50 virtual cards - 1,000 transfers or direct debits/month - Unlimited team members + Accountant access - 1 account + 24 sub-accounts - 14,000+ exclusive partner integrations - Priority 7-day-a-week support - Manager role - Expense management tools - Account Payable & Receivable tools - Access to financing offers - Automated bookkeeping tools - Customizable payment permissions and controls - Advanced dashboard Show More Pricing information for Qonto is supplied by the software provider or retrieved from publicly accessible pricing materials. Final cost negotiations to purchase Qonto must be conducted with the seller. Pricing information was last updated on December 05, 2024 Show More ## Qonto Pricing FAQs Generated using AI Is Qonto free, or does it offer a free trial? 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. How much does Qonto cost in 2026? 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. Who is Qonto pricing best suited for? 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. What are the key differences between the free and paid versions of Qonto? 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. Is Qonto considered good value for its pricing? 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. ## Top-Rated Alternatives [ ![Pleo](https://images.g2crowd.com/uploads/product/hd_favicon/58daa646a322773024af8fc507d8f840/pleo.svg "Pleo") Pleo 4.7/5(1,435) ](https://www.g2.com/products/pleo/reviews) [ ![Spendesk](https://images.g2crowd.com/uploads/product/hd_favicon/ef51fda01e5a82d3ae3d2d2adcc8aeed/spendesk.svg "Spendesk") Spendesk 4.6/5(413) ](https://www.g2.com/products/spendesk/reviews) [ ![Payhawk](https://images.g2crowd.com/uploads/product/hd_favicon/7b069fcb391f44a31949b1c79da7f6fd/payhawk.svg "Payhawk") Payhawk 4.5/5(902) ](https://www.g2.com/products/payhawk/reviews) [ View All Alternatives ](https://www.g2.com/products/qonto/competitors/alternatives) ## Qonto Alternatives Pricing The following is a quick overview of editions offered by other [Expense Management Software](https://www.g2.com/categories/expense-management) | Product | Price | Features | | --- | --- | --- | | ![Pleo](https://images.g2crowd.com/uploads/product/image/small_square/small_square_9ec513f0f568092db372ad45f075653d/pleo.jpg)[Pleo](https://www.g2.com/products/pleo/reviews) Starter | Starting at £9.50Per Month | For entrepreneurs and micro companies who want to automate their expenses. Pleo company cards (plastic/virtual) Manage & Pay Invoices Real-time expense tracking Automated expense reports Accounting system integrations Apple Pay & Google Pay | | ![Spendesk](https://images.g2crowd.com/uploads/product/image/small_square/small_square_a0729bee8c6baa9ec89e41dd2a8ea31a/spendesk.png)[Spendesk](https://www.g2.com/products/spendesk/reviews) Essentials Plan | Contact UsPer Month | For SMBs looking to streamline their spend management process, all in one place. Unlimited virtual and physical cards Automated & customizable bookkeeping End to end invoice management Expense tracking & reimbursement Basic accounting integrations Transactions: 100/month Multi entity management: 3 (for a fee) Subscription Management Mobile app and Slack integration | | ![Payhawk](https://images.g2crowd.com/uploads/product/image/small_square/small_square_db300d2a9c77e90bb3024e449dfbcce0/payhawk.png)[Payhawk](https://www.g2.com/products/payhawk/reviews) Travel | Contact UsPer Month | Book, pay, and manage compliant business travel anywhere in the world. Includes the Al Travel Agent Global hotel and flight booking with zero markup Custom travel policy Agentic memory for personal preferences Trip requests and proactive approvals Built-in agentic payments Automated invoice generation CO2 tracking on spend | Various alternatives pricing & plans Free Trial Pricing information for the above various Qonto alternatives is supplied by the respective software provider or retrieved from publicly accessible pricing materials. Final cost negotiations to purchase any of these products must be conducted with the seller. ## Qonto Pricing Reviews (2) ![Alexandre C.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Alexandre C.") AC Alexandre C. 1/12/2026 "A Must-Have for Small Businesses" 5/5 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. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. 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. Review collected by and hosted on G2.com. Show More Validated ReviewerIncentivizedSource: Seller inviteAI Translated ![Michaël T.](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Michaël T.") MT Michaël T. President - Advisory Board Small-Business (50 or fewer emp.) 7/20/2026 "Avoid Qonto and choose a provider that values transparency and accountability." 0/5 What do you like best about Qonto? We chose Qonto for its promise of efficiency and simplicity. That turned out to be a costly mistake. They charged us fees they have been unable to justify, despite repeated requests, and have repeatedly hidden behind vague and unsubstantiated explanations instead of providing evidence. Based on our experience, I would strongly advise anyone considering Qonto to think twice and look at alternative providers. Review collected by and hosted on G2.com. What do you dislike about Qonto? Qonto charged our company €100 without any valid justification. The administration acknowledged its mistake and formally notified Qonto, yet Qonto still refused to reverse the charge. Even after we provided documentary evidence, they failed to explain the basis for the fee and instead relied on vague, inconsistent responses. If a company cannot clearly justify the fees it charges, that’s a serious transparency issue. Based on our experience, I would strongly recommend avoiding Qonto and choosing a provider that stands behind its decisions with facts, not excuses. Review collected by and hosted on G2.com. What problems is Qonto solving and how is that benefiting you? None. I wasted more than four hours dealing with automated, copy-and-paste responses that showed no understanding of the issue. Despite providing clear explanations, they failed to grasp one simple principle: you cannot charge a customer for something that never existed. That level of customer service is simply unacceptable. Review collected by and hosted on G2.com. Show More Current UserValidated ReviewerSource: Organic Qonto Comparisons ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/small_square/small_square_9ec513f0f568092db372ad45f075653d/pleo.jpg "Product Avatar Image") Pleo 4.7/5(1,435) [ Compare Now ](https://www.g2.com/compare/pleo-vs-qonto) ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/small_square/small_square_abcbbd8063302cac2405eb677484b2ce/tiime-accounts.png "Product Avatar Image") Tiime Accounts 4.1/5(7) [ Compare Now ](https://www.g2.com/compare/qonto-vs-tiime-accounts) ![Product Avatar Image](https://images.g2crowd.com/uploads/product/image/small_square/small_square_cd765de7793600eedfacb387b4de5928/holded.png "Product Avatar Image") Holded 4.2/5(26) [ Compare Now ](https://www.g2.com/compare/holded-vs-qonto) ##### Categories on G2 [ Expense Management ](https://www.g2.com/categories/expense-management)[ Spend Management ](https://www.g2.com/categories/spend-management)[ Invoice Management ](https://www.g2.com/categories/invoice-management) [ Procurement Spend Analysis ](https://www.g2.com/categories/procurement-spend-analysis)[ Cash Flow Management ](https://www.g2.com/categories/cash-flow-management) Show More ##### Explore More [ Best platform for secure file transfers in corporate offices ](https://www.g2.com/discussions/best-platform-for-secure-file-transfers-in-corporate-offices)[ Best-rated fleet management system for corporate fleets ](https://www.g2.com/discussions/best-rated-fleet-management-system-for-corporate-fleets)[ Which e-commerce service is best for tech startups ](https://www.g2.com/discussions/which-e-commerce-service-is-best-for-tech-startups) [ AI software most effective for improving sales ](https://www.g2.com/discussions/which-ai-software-is-most-effective-for-improving-sales)[ Which automotive digital retailing tools simplify round-robin lead distribution and reduce paperless workflow complexity for dealership operations teams? ](https://www.g2.com/discussions/which-automotive-digital-retailing-tools-simplify-round-robin-lead-distribution-and-reduce-paperless-workflow-complexity-for-dealership-operations-teams)[ Pros and Cons Details ](https://www.g2.com/products/qonto/reviews?qs=pros-and-cons) Show More [ Best platform for secure file transfers in corporate offices ](https://www.g2.com/discussions/best-platform-for-secure-file-transfers-in-corporate-offices)[ Best-rated fleet management system for corporate fleets ](https://www.g2.com/discussions/best-rated-fleet-management-system-for-corporate-fleets)[ Which e-commerce service is best for tech startups ](https://www.g2.com/discussions/which-e-commerce-service-is-best-for-tech-startups) [ AI software most effective for improving sales ](https://www.g2.com/discussions/which-ai-software-is-most-effective-for-improving-sales)[ Which automotive digital retailing tools simplify round-robin lead distribution and reduce paperless workflow complexity for dealership operations teams? ](https://www.g2.com/discussions/which-automotive-digital-retailing-tools-simplify-round-robin-lead-distribution-and-reduce-paperless-workflow-complexity-for-dealership-operations-teams)[ Pros and Cons Details ](https://www.g2.com/products/qonto/reviews?qs=pros-and-cons)