Qonto

Pricing

• •Qonto markets Enterprise as one of its "Team" plans, aimed at SMEs, teams and associations, but publishes no rule restricting who can subscribe to it.
• •Qonto markets Essential as one of its "Team" plans, aimed at SMEs, teams and associations, but publishes no rule restricting who can subscribe to it.
• •Qonto markets Premium as one of its "Solo" plans, aimed at freelancers and sole traders, but publishes no rule preventing a company from subscribing to it.
• •Qonto markets Basic as one of its "Solo" plans, aimed at freelancers and sole traders, but publishes no rule preventing a company from subscribing to it.
• •Qonto markets Business as one of its "Team" plans, aimed at SMEs, teams and associations, but publishes no rule restricting who can subscribe to it.
• •Qonto markets Smart as one of its "Solo" plans, aimed at freelancers and sole traders, but publishes no rule preventing a company from subscribing to it.
• •Incoming and outgoing SEPA transfers and outgoing direct debits share one monthly allowance of 30 operations; past it, each operation costs €0.20.
• •The allowances and per-operation fees in Qonto’s contractual pricing document are older than those published on its website; the figures above follow the current website.
• •Incoming and outgoing SEPA transfers and outgoing direct debits share one monthly allowance of 10,000 operations; past it, each operation costs €0.10.
• •Incoming and outgoing SEPA transfers and outgoing direct debits share one monthly allowance of 100 operations; past it, each operation costs €0.20.
• •Incoming and outgoing SEPA transfers and outgoing direct debits share one monthly allowance of 200 operations; past it, each operation costs €0.10.
• •Incoming and outgoing SEPA transfers and outgoing direct debits share one monthly allowance of 250 operations; past it, each operation costs €0.15.
• •Incoming and outgoing SEPA transfers and outgoing direct debits share one monthly allowance of 500 operations; past it, each operation costs €0.15.
• •The plan prices shown are the monthly rate with no commitment. Committing to a year lowers them to €9, €19, €39, €49, €99 and €199 per month respectively, roughly two months saved.
• •Several products are available in fewer countries than the account itself: pay later in France, Italy, Germany and Spain; overdraft in France, Germany, Spain, Italy and the Netherlands; credit and deferred debit cards in France, Germany, Spain and the Netherlands; balance remuneration in France, Spain, Italy and the Netherlands; payment links in France and Germany; cheque deposits in France only; F24 payments in Italy only.

Limits

• •Standard SEPA transfers have no amount cap, but proof of payment is required above €30,000. Instant SEPA transfers are capped at €100,000 per transfer and are executed as ordinary transfers above that.
• •The card and ATM limits apply to the One card included in every plan; the paid Plus and X cards raise both.
• •Qonto’s own sources disagree on the card payment cap: its help centre states €5,000 per card, its contractual pricing document €3,000.

Payments & transfers

• •To receive a SWIFT transfer, the sender must enter Wise’s BIC (TRWIBEB3XXX) as intermediary bank alongside Qonto’s own (QNTOFRP1XXX); without it the transfer cannot be received. If the sender’s interface does not allow it, they have to ask their bank’s back office.
• •Qonto publishes three different country lists for outgoing payments, covering different rails and not matching each other: 127 and 129 countries for foreign-currency transfers, and 129 for euro SWIFT outside the SEPA area. None of them covers its main rail, euro SEPA transfers.
• •Outgoing transfers in Tunisian dinar, Czech koruna, Saudi riyal, Bahraini dinar and Vietnamese dong are temporarily unavailable through the Wise partnership.
• •Crimea and the Luhansk People’s Republics are on Qonto’s list of places it will not receive SWIFT transfers from.
• •The account cannot be used to collect funds on behalf of third parties buying or selling crypto-assets, or to run client flows for a platform.
• •The account is euro-only. Any amount received in another currency is converted automatically before it is credited.
• •Incoming SWIFT transfers and outgoing foreign-currency payments run through Wise, which also appears as the intermediary bank in the account details (BIC TRWIBEB3XXX).
• •The main account carries a French IBAN (FR76 1695 8000…) with BIC QNTOFRP1XXX, and each sub-account gets its own local IBAN.
• •The euro rail is complete: ordinary and instant SEPA in and out, plus euro SWIFT to and from outside the SEPA area.

Crypto

• •Crypto & Blockchain (Regulated)Crypto-asset companies (custody, buying and selling for legal tender, crypto-to-crypto exchange, running a trading platform) can open an account for their own corporate expenses only, and must be registered or licensed under local law (for example PSAN registration with the AMF).
• •Investment advisory on crypto-assets or blockchain is accepted if the company is registered with Orias.
• •Mining, NFTs, metaverse and blockchain development are not automatically allowed: each is assessed case by case, and onboarding takes more than 24 hours.

Business activity

• •Beyond the sectors it lists as refused, Qonto also does not accept: accessibility-diagnosis (Ad'Ap) firms, energy-efficiency-certificate (CEE) businesses, auction houses and artwork sellers, financial or tax agents not registered with a regulator, marketplace operators, sellers of industrial or cosmetic chemicals, online file-sharing services, sellers of SIM and top-up cards, businesses whose goods or services can damage someone's image or reputation, factoring and debt-collection firms, strip clubs and night clubs, hunting and trapping, and growers of fibre, spice or pharmaceutical crops.
• •Running a marketplace is refused, but selling on someone else’s marketplace is not.
• •The account cannot be used to collect funds on behalf of third parties: Qonto closes accounts used that way with 30 days’ notice.
• •Cannabis & CBDCannabis and CBD businesses are refused when the THC content is above 0.3% for companies in France and above 0.2% for companies in Germany, Italy and Spain, or when it is not stated.
• •Insurance, lending, financial-investment and crowdfunding businesses are accepted only if registered with the French regulator (Orias or Regafi). Qonto does not publish an equivalent rule for its other seven markets.

Licence & regulation

• •Qonto serves its eight European markets under a single French licence (payment institution no. 16958, supervised by the ACPR): there is no separate local entity in Germany, Spain, Italy, Austria, Belgium, Portugal or the Netherlands.