# 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 252 user reviews Reviews sentiment Positive 88% Neutral 1% Negative 10% Starting price €9 Flat Rate, Per Month Free trial available 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 (252) VS. [4.9 (57)](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 (252) Ease Of Use 5.0 (104) Value For Money 4.3 (248) Value For Money 4.8 (91) Customer Service 4.4 (244) Customer Service 4.4 (91) ## 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 (686)](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 (102)](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, expenses, invoicing, instant transfers, and real-time cash visibility in one fast interface. Entrepreneurs, freelancers, finance teams, and SMB owners use it to avoid bank branch visits, simplify receipt capture and accounting sync, manage sub-accounts, and track spending without manual follow-up. Answer based on 185 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, expense control, and cash flow visibility. Finance leaders and administrators use it to manage payments, cards, invoicing, and account oversight, while consultants and small business operators rely on it to simplify day-to-day financial workflows. Answer based on 250 reviews Overview ### What company size and industries is Qonto built for? Qonto serves small businesses first, with 100% of reviewers coming from that segment, especially in Real Estate and Construction at 6% each. It is built for SMEs, freelancers, micro-enterprises, company creators, and non-profits, with additional traction in Professional Training and Coaching at 5%. Answer based on 250 reviews Features and Usability ### What are the key features of Qonto? Qonto offers core business banking features like online banking, multi-account management, domestic and foreign transfers, corporate cards, and real-time notifications. Differentiating features include invoicing, expense tracking with receipt capture, accounting integration, and dashboards with transaction history and cash flow visibility in a clear mobile and web interface. Answer based on 110 reviews Pricing ### How much does it cost and what fees or limitations are included? Qonto starts at €9/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 call pricing transparent, but some mention higher monthly fees, costly cash withdrawals, and limits on international transfers. Answer based on 66 reviews Integrations ### Which third-party tools and platforms does Qonto integrate with? Qonto integrates with 10 third-party tools, including reviewer-mentioned Abby, Dougs, Airtable, PayPal, Stripe, and Tiime. Official catalog integrations also include Slack, Notion, Xero, Zoho Books, Odoo, Zapier, Dropbox Business, OneDrive, Payfit, and Sellsy, covering accounting, payments, CRM, storage, and team collaboration. 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 to help teams get started. Live online sessions support guided setup and direct instruction, documentation offers written reference material for step-by-step checks, and videos provide visual walkthroughs for learning features at a self-paced pace. 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 clear answers and helpful follow-up. Some reviews, however, report long phone waits, missed callbacks, and weaker handling when issues become more serious. Answer based on 54 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 159 reviews 100% 75% 50% 25% Smallbusiness Midsizebusinesses Enterprise Top job functions Based on 159 reviews Entrepreneurs/Owners 33% Entrepreneurs/ Owners 33% Administrative 23% Consulting 12% Education & Learning 5% Others 27% Top industries Based on 159 reviews Marketing and Advertising 26% Real Estate 20% Management Consulting 19% Construction 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 (146) 91.78% of 146 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 (127) 95.28% of 127 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 (116) 79.31% of 116 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 (112) 87.50% of 112 reviewers that rated this feature as important or highly important Active monitoring of systems, applications, or networks Financial Management 4.5 (101) 82.18% of 101 reviewers that rated this feature as important or highly important Plan, manage, and track the financial activities of an individual or organization Fraud Detection 4.3 (96) 87.50% of 96 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 (252) 4.5 Based on 252 reviews ## Pricing Value for money 4.3 (248) 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 (248) 4.3 Based on 248 reviews ## Integrations [ Slack](https://www.capterra.com/p/135003/Slack/)[ Dropbox Business](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 (244) 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 (244) 4.4 Based on 244 reviews ## User reviews Overall rating 4.5 Based on 252 reviews Filter by rating 5(203) 4(20) 3(3) 2(8) 1(18) Mentioned topic Sorted by most recent MC Maurizio C. Avvocato Judiciary ### "Problemi con istantanei, ma buona assistenza complessiva." 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 9/10 June 1, 2026 Positiva e fattiva assistenza da servizio clienti e comunque da poter consigliare ad amici e colleghi e clienti. Pros Funzionalità complessiva e servizio clienti attivo anche in orario serale e durante il fine settimana. Cons Il problema del mancato inoltro di due bonifici con procedura istantanea, è stata comunicata con ritardo e non è stata suggerita un’alternativa Alternatives considered [Revolut Business](https://www.capterra.com/p/246352/Revolut-for-Business/) Reasons for choosing Qonto Servizio molto completo e sistema tariffario oggettivamente chiaro e cimpleto Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AU Anonymous User Geschäftsführer Renewables & Environment ### "Schlechteste Online Bank ever!" 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 May 21, 2026 Habe Geld von meinem Privatkonto auf mein Firmenkonto von Qonto einbezahlt, die Einzahlung wird angenommen danach Kontosperrung und kein Zugriff mehr auf dein Geld. Niemand erreichbar, keine Rückmeldungen, keine Ahnung ob ich jemals noch zu meinem Geld komme? Absolut unseriös!! Pros Eigentlich nichts, absolut nichts, Überhaupt nichts, kann keine Angaben über was positives geben!!!! Cons Für KMUs und Unternehmen unbrauchbar! Absolut nie erreichbar! Keine Rückrufe! Keinen Zugriff mehr auf dein Geld! Kontosperrungen ohne Grund Switched from [Revolut Business](https://www.capterra.com/p/246352/Revolut-for-Business/) Wurde von freund vorgeschlagen. Werbung im Netz Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. DS David S. Owner Computer Software ### "A great bank" 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 May 18, 2026 Very good over the past six years. I've had no problems with my account or my charge card and I feel well-informed about me account Pros I like the ease of use both from a web browser and the mobile app. Allows me, as an USA citizen to have an account Cons I don't like that there are fees on cash withdrawals and fees on foreign currency transactions on my charge card Alternatives considered [Wise](https://www.capterra.com/p/234269/Wise/) Reasons for choosing Qonto I looked at banks that operate in France and could be used for French corporations. None had the low price and online/mobile capabilities that Qonto had. Wise did not have a French presence. I also looked at N26, but they didn't support French business accounts at that point. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. LR lorino r. Assistenza Tecnica Arts and Crafts ### "Super Ottimo!" 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 May 9, 2026 Ottima esperienza, nessun problema finora, help desk funziona alla grande, ho risolto sempre tutto, salvataggio ricevute comodissimo. Pros chiarezza, velocità operativa, servizi completi, credito fiduciario. L'app per smartphone molto funzionale. Cons Troppe richieste di documentazione quando c'è una variazione dei dati. l'Impossibilità di emettere riba creando file CBI direttamente da Qonto. Switched from [MyHub](https://www.capterra.com/p/148496/MyHub/) Mio accesso su home banking da paese estero mi ha bloccato le password, ripristinabili solo presentandosi in filiale di persona. Quindi fuori x lavoro e conto bloccato, esperienza pessima. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. MJ Marie-Aude J. Présidente Events Services ### "Simple pour les entreprises" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 7/10 May 5, 2026 Présentation simple. Je n'utilise pas le logiciel car j'ai mon propre logiciel de comptabilité. Idem pour la facture électronique. Pros On voit l'activité de notre compte en direct avec des mails ou des notifications. La rémunération du compte. Cons Je n'en vois pas pour le moment peut être l'accès rapide des comptes est un peu compliqués. L'accès n'ai pas rapide. Alternatives considered [Macompta.fr](https://www.capterra.com/p/205545/Macompta-fr/) Reasons for choosing Qonto Que pour la banque, avoir un compte bancaire professionnel. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. JS Jennifer S. PDG Research ### "Qonto est pronto" 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 May 4, 2026 Très agréable, merci à toute l'équipe qui est réactive. Le service evolue de façon interessant, et on est tenu au courant. Communications claires, pas trop nombreuses. Pros Le service client m'a toujours renseignée /dépannée rapidement, agréablement et efficacement. L'interface en ligne est très visuelle et satisfaisant. On y trouve rapidement ce dont on a besoin. Cons Il y a des frais alors que j'ai pas mal d'argent sur le compte. Je pense qu'il serait juste de proposer une déduction des frais quand on a une certaine montant sur le compte ou alors une facon de se rémunérer avec l'argent sur le compte. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. DC Dany C. Gérant Accounting ### "Infos rapides utilisation" 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 8/10 April 30, 2026 Dans l'ensemble très satisfait. Même si l'utilisation est assez faible pour le moment. Beaucoup d'outils à porter de main qui simplifie par exemple la comptabilité. Pros Le logiciel est intuitif, et la mise en page très sympathique. Malgré peu d'utilisation très intéressant et la possibilité d'avoir un compte pro qui comprends la facture automatique c'est très bien. Cons Certaines infos un peu plus difficile à retrouver, IBAN. Par moment, un peu perdu et même s'il est normal de justifier tout transfert c'est parfois pesant. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. LB Louis B. Jardinier paysagiste Individual & Family Services ### "Client depuis 1 ans " 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 0/10 April 24, 2026 Je suis très heureux davoir adhérer a Qonto. Aillant ete dans des banque différentes je recommande Qonto a 100% Pros Le systèmes de facturation est genial. Mais dans l'ensemble tout est parfait. Du coup j'aime tout ce que Qonto propose Cons Jusqu'à present je nai aucun produit que je n'aime sur Qonto Le système est tres bien et rapide. Je recommande Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. PS pascal s. entrepreneur Real Estate ### "BET ingénierie" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 2.0 2.0 Likelihood to Recommend 10/10 April 21, 2026 La simplicité de l'utilisation quotidienne et les relevés sont clairs. La facture dématérialisée gratuite est un plus. Pros La sécurité renforcé et la scanne facial et pièce d'identité tout les ans. être en veille sur les aspects administratifs. Cons La disposition immédiate pour un virement personnel quelquefois long. un problème posé au chat et souvent sans réponse Alternatives considered [N26](https://www.capterra.com/p/44999/N26-Bank-Account/) Reasons for choosing Qonto QONTO est reconnu pour les entreprises et c'est français Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. MV MC v. dirigeant Performing Arts ### "simple, efficace" 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 April 21, 2026 La prise en main est simple et intuitive. En cas de problème, la FAQ est très complète. Je pense que je n'utilise que 50 % des fonctionnalités mais ça me suffit Pros l'ergonomie de l'appli, la facilité d'utilisation, la sécurité, la rapidité. Les recherches de transactions sont faciles ainsi que l'importation des fichiers Cons j'ai un compte pro de base et toutes les fonctionnalités me suffisent. Je n'ai rien à dire de spécial Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. [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. 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