Qonto: the complete business account for freelancers and the self-employed

Qonto is a neobank built for freelancers, the self-employed and small businesses. Put simply, it's a business account that makes your life easier, with straightforward management and tools designed to help you keep control of your finances without the headache.

Qonto is for freelancers, the self-employed and small businesses who want their business account, invoicing and accounting in one place. It's a good choice if you invoice regularly and want advanced management tools or access for your accountant. For a simple low-budget business account, neobanks like Blank or Shine may be enough.

• Manage your business finances easily: intuitive interface, real-time transaction tracking and automatic categorization.
• Issue invoices: built-in features to create and send your invoices directly from the platform.
• Custom payment cards: virtual or physical, for payments and withdrawals with no hidden fees.
• Shared access: invite your accountant or colleagues with custom access rights.
• Expense management: take a photo of your receipts and let Qonto handle the rest.
• Accounting integration: sync with software like QuickBooks or Xero, or even with your accountant.

These are the prices of Qonto's French offer. They may differ in your country.

For the self-employed, Qonto has three plans (prices excl. VAT with annual billing, slightly higher if you pay monthly), all with a 30-day free trial:

• Basic: €9/month, ideal for solo freelancers who need the essentials.
• Smart: €19/month, for those looking for more features, like invoices and team management options.
• Premium: €39/month, for freelancers who need maximum flexibility and options like premium cards.

Team plans (Essential, Business, etc.) also exist from €49/month excl. VAT for companies with several employees.

Qonto stands out for its very intuitive interface and its ability to bring all your business banking together in one place. Compared with solutions like Shine or N26, Qonto offers:

• More accounting management features: Qonto has built-in tools for your invoices and expense reports, where other solutions are more basic.
• Responsive customer support: available by chat or email, with a real willingness to help freelancers and the self-employed sort out their issues quickly.
• Multi-user access: unique to Qonto, handy if you work in a team or want to give your accountant access.

Qonto isn't the only neobank for the self-employed. To compare its pricing and features with Shine, Blank, Revolut Business or N26, check out our dedicated page on Qonto alternatives.