# Qonto Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about Qonto Software - reviews, pricing plans, popular comparisons to other Online Banking products and more. Source: https://www.capterra.com/p/173384/Qonto --- # Qonto Software Review 2026: Features, Integrations, Pros & Cons Last updated on March 13, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Users](#users)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Qonto ## What is Qonto? Qonto makes day-to-day banking easier for SMEs and freelancers, thanks to an online business account combined with invoicing, bookkeeping, and spend management tools. With an innovative product, highly responsive 7/7 customer service, and clear pricing, Qonto has become the European leader in its category. Qonto is a powerful Business Account for your everyday banking needs. It offers local IBANs (🇫🇷 French / 🇩🇪 German / 🇮🇹 Italian / 🇪🇸 Spanish). You can use payment cards to spend up to €200,000/month with no hidden costs, allowing you to pay online, in-store, and abroad. Transfers come with flexible payment methods, and transactions include unlimited history and real-time notifications. Financing is made easy with access to integrated financing options. Leverage our financial tools, including invoice management, spend management, and bookkeeping. ## What is Qonto used for? [Online Banking](https://www.capterra.com/online-banking-software/)[Mobile Banking](https://www.capterra.com/mobile-banking-software/)[Financial Management](https://www.capterra.com/financial-management-software/) Top alternative Featured Overall rating Based on 265 user reviews Reviews sentiment Positive 89% Neutral 1% Negative 10% Starting price €9 Flat Rate, Per Month Free trial available Includes Free Version Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... - Banking Systems / 2026 - Accounts Payable / 2025 - Accounts Receivable / 2025 - Expense Report / 2025 - Financial Management / 2025 - Financial Reporting / 2025 - Financial Services / 2025 - Spend Management / 2025 Our "Best of" badge program showcases products with the highest ratings... Do you work for Qonto?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://qonto.eu/en/sme&name=Qonto) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Qonto 4.5 (265) VS. [4.9 (58)](https://www.capterra.com/p/10035709/Mercury/#reviews) Starting Price €9 Flat Rate, Per Month Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.7 (265) Ease Of Use 5.0 (58) Value For Money 4.3 (260) Value For Money 4.8 (53) Customer Service 4.4 (256) Customer Service 4.4 (52) ## Qonto alternatives Highest Rated [5.0 (14)](https://www.capterra.com/p/128510/NexorONE/reviews/) Starting price $15500.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 100% of reviewers rated it above 4 stars [4.3 (712)](https://www.capterra.com/p/76/Intacct/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 86% of reviewers rated it above 4 stars [Chime](https://www.capterra.com/p/228456/Chime/) [4.6 (104)](https://www.capterra.com/p/228456/Chime/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 89% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/228456/Chime/) [Plaid](https://www.capterra.com/p/174384/Plaid/) [4.4 (105)](https://www.capterra.com/p/174384/Plaid/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 86% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/174384/Plaid/) [View all alternatives](https://www.capterra.com/p/173384/Qonto/alternatives/) ## FAQs about Qonto Overview ### What problems does Qonto solve? Qonto solves slow, fragmented business banking by centralizing accounts, payments, cards, invoices, expense receipts, and accountant-ready records in one fast web and mobile workspace. Entrepreneurs, freelancers, finance admins, and small business teams use it to reduce manual bookkeeping, speed transfers, monitor cash flow in real time, and manage multi-entity operations. Answer based on 176 reviews Overview ### Which roles and teams benefit most from Qonto? Qonto is most used by founders, CEOs, presidents, and managing directors who need streamlined business banking, spending control, and cash-flow visibility. Finance and administrative teams use it to manage payments, cards, and expense tracking, while consultants, legal professionals, and small business operators rely on it to simplify daily financial operations. Answer based on 252 reviews Overview ### What company size and industries is Qonto built for? Qonto is built for small businesses, with 100% of reviewers coming from that segment, especially SMEs, freelancers, micro-enterprises, company creators, and non-profits. Reviewer representation is strongest in Construction and Real Estate at 6% each, followed by Management Consulting at 5%, indicating broad small-business use across service-based sectors. Answer based on 252 reviews Features and Usability ### What are the key features of Qonto? Qonto includes core business banking features like online banking, transaction history, multi-currency transfers, corporate cards, and real-time notifications. Differentiating features include invoicing, expense tracking with receipt capture, accounting integrations, API access, and sub-accounts with user management for teams handling multiple projects or budgets. Answer based on 110 reviews Pricing ### How much does it cost and what fees or limitations are included? Qonto starts at €9 per month for the Basic plan, with Smart at 19, Premium 39, Essential 49, Business 99, and Enterprise 199. A free version and free trial are available. Reviewers describe pricing as simple and transparent, but some cite higher monthly fees, cash withdrawal fees, and international transfer costs. Answer based on 66 reviews Integrations ### Which third-party tools and platforms does Qonto integrate with? Qonto integrates with Abby, Dougs, Stripe, PayPal, Airtable, and Tiime, with additional connections to Slack, Notion, Xero, Zoho Books, Odoo, and Zapier. Its integrations mainly cover accounting, billing, CRM, collaboration, and automation, giving businesses a practical set of connected finance and back-office tools. Answer based on 23 reviews Getting Started and Support ### What training and onboarding options does Qonto offer? Qonto provides live online sessions, documentation, and videos for teams getting started. Live online sessions support guided setup and direct instruction, videos offer visual walkthroughs for key tasks, and documentation gives written reference material for self-paced review and future support. Answer based on 1 reviews Getting Started and Support ### What customer support options does Qonto offer, and how do users rate the experience? Qonto offers email/help desk, FAQ/forum, a knowledge base, phone support, 24/7 live representatives, and chat. Users often describe support as fast, available, and effective, with helpful follow-up. Some reviews, however, report long phone waits, missed callbacks, and difficulty getting help when issues become more complex or urgent. Answer based on 54 reviews Security ### How does Qonto handle data security and access control? Qonto uses strengthened security protocols, facial scanning, annual identity-document checks, action-based notifications, and access for authorized users. Reviewers generally say security meets expectations and keeps users immediately informed about transactions. Some note occasional bugs, connection issues, and limited transaction-detail visibility, which can affect oversight rather than core protection. Answer based on 11 reviews ## Who uses Qonto? Based on Capterra reviews from the past year Talk to a software expert to get a free software list tailored to your business needs Company size Based on 151 reviews 100% 75% 50% 25% Smallbusiness Midsizebusinesses Enterprise Top job functions Based on 151 reviews Entrepreneurs/Owners 33% Entrepreneurs/ Owners 33% Administrative 24% Consulting 12% Real Estate 5% Others 26% Top industries Based on 151 reviews Marketing and Advertising 26% Professional Training & Coaching 20% Real Estate 19% Management Consulting 19% Other 16% ## Features Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically. Transaction History 4.6 (157) 92.36% of 157 reviewers that rated this feature as important or highly important Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period Transaction Monitoring 4.6 (134) 95.52% of 134 reviewers that rated this feature as important or highly important Monitor or audit historical and current transactions to analyze customer account activities Activity Dashboard 4.5 (126) 80.16% of 126 reviewers that rated this feature as important or highly important Dashboard to view the status of ongoing processes, identify current incidents and track past activities Real-Time Monitoring 4.7 (120) 88.33% of 120 reviewers that rated this feature as important or highly important Active monitoring of systems, applications, or networks Financial Management 4.5 (108) 82.41% of 108 reviewers that rated this feature as important or highly important Plan, manage, and track the financial activities of an individual or organization Fraud Detection 4.4 (104) 88.46% of 104 reviewers that rated this feature as important or highly important Identify and prevent suspicious activity Qonto 29 features Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. Dashboard to view the status of ongoing processes, identify current incidents and track past activities Application programming interface that allows for integration with other systems/databases Plan and implement systems for monitoring, registering, and management of ATM machines. Monitoring, analysis, and projection of the movement of cash into and out of a business over a specific period Track and manage adherence to policies for any service, product, process, or supplier Back-end system that processes daily banking transactions and posts updates to accounts and other financial records. Banking that services corporate customers, from SMBs to multinational enterprise corporations with large financial stakes. Manage and track credit cards that are distributed to employees to use for authorized business expenses Track and understand a customer's overall satisfaction with a product or service to identify areas of improvement. Store and organize documents in a centralized system Monitor and record expenses such as purchases or charges incurred Plan, manage, and track the financial activities of an individual or organization Identify and prevent suspicious activity Division of banking that assists individuals or organizations raise capital and provide financial consulting services. Captures invoice data and maintains comprehensive records for auditing and reporting purposes Observe and track the demand, usage, progress or quality of a system, product, or user Manage and handle various international currencies Ability to manage transactions online with a mobile device or computer. Receive data and information in real time Active monitoring of systems, applications, or networks Notifications that are delivered to users as soon as an event occurs Collection, analysis, and representation of numerical data and generation of reports to understand various patterns At least a username and password is required to access the system Develop, document, and implement policies & procedures to protect an organization's assets. Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period Monitor or audit historical and current transactions to analyze customer account activities Extra layer of security that requires not only a password and username but also something specific to that user Manage user accounts, profiles, roles, permissions, and other details across applications, devices or networks Get Advice We can help you find the software with the features you need. Features 4.5 (265) 4.5 Based on 265 reviews ## Pricing Value for money 4.3 (260) Free Trial Free Version [View pricing plan details](https://www.capterra.com/p/173384/Qonto/pricing/) Basic €9.00 Flat Rate,Per Month It includes: - 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 Smart €19.00 Flat Rate,Per Month It includes: - 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 Premium €39.00 Flat Rate,Per Month It includes: - 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 Essential €49.00 Flat Rate,Per Month It includes: - 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 Business €99.00 Flat Rate,Per Month It includes: - 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 Enterprise €199.00 Flat Rate,Per Month It includes: - 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 Value for money 4.3 (260) 4.3 Based on 260 reviews ## Integrations [ Slack](https://www.capterra.com/p/135003/Slack/)[ Dropbox](https://www.capterra.com/p/143068/Dropbox-Business/)[ OneDrive](https://www.capterra.com/p/161304/OneDrive/)[ Xero](https://www.capterra.com/p/120109/Xero/)[ Zapier](https://www.capterra.com/p/130182/Zapier/)[ Notion](https://www.capterra.com/p/186596/Notion/)[ Zoho Books](https://www.capterra.com/p/163115/Zoho-Books/)[ AssoConnect](https://www.capterra.com/p/194611/AssoConnect/) Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.4 (256) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.4 (256) 4.4 Based on 256 reviews ## User reviews Overall rating 4.5 Based on 265 reviews Filter by rating 5(214) 4(22) 3(3) 2(8) 1(18) Mentioned topic Sorted by most recent BD Barbara D. Responsabile amministrazione e del personale dipendente International Trade and Development ### "Ottimo consigliatissimo" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 16, 2026 Ottima per tutto anche per l'utilizzo delle carte aziendali. Noi ne abbiamo 4. Comodissimo anche per il pagamento con PagoPa, basta inserire il codice avvsio ed il cf utente poi fa tutto da solo. La gratuità di tutte le operazioni Pros Semplice nell'utilizzo Intuitivo Tutte le transazioni a portarta di mano sempre Servizio assistenza top Cons Non ci sono le contabili dei bonifici ricevuti che invece sarebbero molto utili da conservare nell'archivio. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. YM YANNICK M. GERANT Construction ### "CLIENT SATISFAIT" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 8, 2026 Je suis un client satisfait, toute mes sociétés sont chez Qonto! de la creation de ma société au fonctionnement au quotidien: j'ai tout fait avec QONTO! Pros Je recommande! c'est une banque pas chère, complet et efficace! son application simple et intuitif pour permet de gagné de temps et dans notre activité le temps c'est important! Cons je ne trouve pas d’inconvénient bien au contraire! Qonto nous propose des produits qui correspond a nos besoin à nous les Pro, c'est génial! Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. AZ Alexandre Z. dirigeant Events Services ### "La banque en ligne professionnel pour des professionnels" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 2, 2026 Globalement très satisfait de Qonto je l'ai par ailleurs recommandé. C'est simple d'utilisation et met en avant beaucoup de produits utilse et nécessaire sans pour autant être compliqué à utilisé Pros les informations données, le process en lui-même, c'est réactif et ergonomique. Le fait d'avoir les débits oucrédits en temps réel, la compta et facturation Cons l'accès à la ligne carte crédit, c'est assez utile dans notre profession mais le temps pour y accéder est malheursement un long Switched from [Pennylane](https://www.capterra.com/p/218672/Pennylane/) pour les besoins en terme de contenus utile à ma profession Alternatives considered [Pennylane](https://www.capterra.com/p/218672/Pennylane/) Reasons for choosing Qonto tout est regroupé sur un seul endroit permet de suivre en un clin d'oeil les opérations Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. GB Guy-Louis B. Responsable Architecture & Planning ### "Entièrement satisfait" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 10/10 June 24, 2026 Pros Sa facilité d'utilisation avec une consultation aisée des opérations. De plus, maintenant de nombreux services : réduction chez LEROY MERLIN, ... Cons J'ai encore des clients qui me règle avec des chèques. C'est facile de vous envoyé un chèque, mais coût de l'affranchissement (en lettre suivie) et votre coût de traitement, cela fait lourd. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. CA Celia A. Dirigeant Professional Training & Coaching ### "Solution idéale, adaptée intuitive " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 3/10 June 22, 2026 Je recommande Qonto. J'ai hésité avant de choisir, aujourd'hui je regrette pas. Solution idéale, adaptée intuitive Pros Facilité d'utilisation grâce à une application intuitive et une session web complète. Les offres de Qonto sont aussi intéressantes. Cons Difficultés à trouver certaines réponses notamment enregistrement des chèques mais une fois trouver en FAQ ca devient facile. Alternatives considered [Shine](https://www.capterra.com/p/147625/Shine/) Reasons for choosing Qonto Comparatif d'options avec le rapport qualité prix Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. EH Emmanuel H. Designer Design ### "Bon compagnon" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 June 19, 2026 J’ajoute des PJ et je catégorise les opérations pour donner du contexte, ma comptable s’occupe du reste. Pros Ajouter des photographies des factures directement avec détection de la tva et association directe par transfert de mail Cons Le toaster de confirmation sur app mobile vient recouvrir le back qlq secondes et empêche de rapidement revenir en arriere Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. GM GIOVANNI M. imprenditore Transportation/Trucking/Railroad ### "eccellente" 5.0 Overall Rating 5.0 5.0 Ease of Use 3.0 3.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 June 18, 2026 eccellente , personale qualificato e disponibile molto professionali e capaci e sempre a disposizione sia in chat che per telefono Pros conto eccezionale e facile da operarci molto intuitivo schermate chiarissime x trovare qualcisuiasi operazione molto intuitivo Cons per ora nulla. dalla mia esperienza da quando lo sto usando che sono quasi 3 anni non riesco a trovare un punto che non mi ha soddisfatto Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. RD ROCCO D. amminisratore Renewables & Environment ### "ottimo prodoto" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 June 12, 2026 Pros tutti i servizi e che è sempre in miglioramento. Cons per ora va tutto bene. Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. GG Gianluca G. Imprenditore Logistics and Supply Chain ### "Innovazione ed efficienza bancaria " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 June 12, 2026 2 anni che ci lavoriamo e’ diventato il nostro conto principale .ti permette di fare tutto dalla postazione ufficio senza dover recarti di persona allo sportello Pros La semplicità nell utilizzo e la sua completezza di tutti i servizi che un utente ha bisogno per la sua attività Cons Nulla ..sono pienamente soddisfatto di tutto ciò che ho avuto modo di testare .call center reattivo ..operatività snella e intuitiva Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. SS Samuel S. Réalisateur Arts and Crafts ### "Qonto with LSP" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 3.0 3.0 Likelihood to Recommend 8/10 June 11, 2026 Selon ma jeune expérience avec Qonto (cela fait moins d’un an) m’a aidé et même permis d’ouvrir et maintenir mon entreprise Pros Les aspects que j’aime le plus avec Qonto sont la gestion de mon entreprise surtout au niveau des factures, la gestion du solde, le côté banque en ligne en parallèle de l’activité. Tout ça a un prix très raisonnable. Cons L’aspect du produit Qonto que j’ai le moi s apprécié est que l’application mobile bug parfois avec les réductions sur l’éditeur de def is et facture Review source Vendor Referred - Incentive Offered: This reviewer was invited by the software vendor to submit an honest review and offered a nominal incentive as a thank you. [View all Reviews](https://www.capterra.com/p/173384/Qonto/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Popular comparisons [Mercury vs Qonto](https://www.capterra.com/compare/173384-10035709/Qonto-vs-Mercury)[Chime vs Qonto](https://www.capterra.com/compare/173384-228456/Qonto-vs-Chime)[Plaid vs Qonto](https://www.capterra.com/compare/173384-174384/Qonto-vs-Plaid)[Sage Intacct vs Qonto](https://www.capterra.com/compare/76-173384/Intacct-vs-Qonto) [Agicap vs Qonto](https://www.capterra.com/compare/173384-196637/Qonto-vs-Agicap)[Payhawk vs Qonto](https://www.capterra.com/compare/173384-200192/Qonto-vs-Payhawk)[Spendesk vs Qonto](https://www.capterra.com/compare/157515-173384/Spendesk-vs-Qonto)[Coupa vs Qonto](https://www.capterra.com/compare/115928-173384/Coupa-vs-Qonto)