--- title: "Qonto Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Qonto the right Online Banking solution for you? Explore 267 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/173384/Qonto/reviews/" page_type: "reviews" language: "en" --- Qonto 4.5 (267) [View alternatives](https://www.capterra.com/p/173384/Qonto/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated July 20th, 2026 # Reviews of Qonto Ease of use 4.7 Customer Service 4.4 ## Pros and Cons in Reviews CM Cameron M CEORestaurants, 2 - 10 employeesUsed the software for: 1-2 years. “Daily tasks like viewing balances, sending payments, and managing cards are pleasant and intuitive.“ October 29, 2025 Gilbert S CEOPrinting, 2 - 10 employeesUsed the software for: More than 2 years. “Following a routine document request, my account was blocked without notice, even though all documents had been submitted.“ April 10, 2026 Gilbert S CEOPrinting, 2 - 10 employeesUsed the software for: More than 2 years. “As long as no issues occurred, the platform was reliable and efficient for handling business transactions.“ April 10, 2026 CM Cameron M CEORestaurants, 2 - 10 employeesUsed the software for: 1-2 years. “Customer support is polite when things go smoothly but tends to disappear when a real problem arises — promised callbacks never come, and difficult issues are avoided.“ October 29, 2025 CM Cameron M CEORestaurants, 2 - 10 employeesUsed the software for: 1-2 years. “It’s also one of the few French fintechs that accepts U.S. citizens, which was a major advantage for my professional use.“ October 29, 2025 MG Miguel G InvestorVenture Capital & Private Equity, 11 - 50 employeesUsed the software for: 1-2 years. “Some invoices are still not properly reconciliated and the team needs to take photos, categorize and upload receipts“ May 22, 2025 Gilbert S CEOPrinting, 2 - 10 employeesUsed the software for: More than 2 years. “Initially, Qonto offered a modern and easy-to-use business banking solution.“ April 10, 2026 Gilbert S CEOPrinting, 2 - 10 employeesUsed the software for: More than 2 years. “For a business-critical service like banking, this is unacceptable.“ April 10, 2026 ## Showing most helpful reviews Showing 1-25 of 267 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Shimon Felix W. CEO Marketing and Advertising Used the software for: 1-2 years ### "Qonto is my personal choice for business banking" December 15, 2025 5.0 I would reccommend Qonto wholeheartedly to any entrepreneur who wants a reliable online banking business account. Pros The user experience is way better than with Wise or Getpenta. The interface is clean, intuitive, and well designed. Daily banking tasks are fast, reliable, and feel very professional. Cons Not much. Some advanced features could be explained a bit better for new users, and pricing details may require a second look at first, but overall nothing major or problematic. Switched from [Wise](https://www.capterra.com/p/234269/Wise/) Both banks either closed my business account for no reason (inactivity) or because they closed down. Review Source DS David S. Owner Computer Software Used the software for: 2+ years ### "A great bank" May 18, 2026 5.0 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/) Reason 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 Gilbert S. CEO Printing Used the software for: 2+ years ### "Unacceptable Account Block & Non-Existent Customer Support – Serious Risk for Businesses" April 10, 2026 1.0 After several years as a satisfied customer, my experience changed drastically. Following a routine document request, my account was blocked without notice, even though all documents had been submitted. The account had a significant balance and was actively used for thousands of transactions per year. The consequences were severe: failed payments, disrupted operations, financial losses, and reputational damage. At the same time, support was completely unreachable. Even after multiple contact attempts and legal escalation, there was no response. The account was eventually reactivated without any explanation or apology. This lack of transparency and reliability led to a complete loss of trust. For a business-critical service like banking, this is unacceptable. Pros Initially, Qonto offered a modern and easy-to-use business banking solution. The interface was intuitive, and for a long time, daily operations ran smoothly. As long as no issues occurred, the platform was reliable and efficient for handling business transactions. Review Source Hugo G. Developer, admin Events Services Used the software for: 1-2 years ### "Very good bank for business" April 24, 2025 5.0 Pleased with the product, invoicing works well, easy to integrate with other third parties, maybe the pricing per user is too expensive though Pros perfect UI, perfect API, a lot of new features to make a all in one solution for bank and invoicing for small and medium company Cons nothing much really, keep the good work. Review Source MG Miguel G. Investor Venture Capital & Private Equity Used the software for: 1-2 years ### "A must to save time" May 22, 2025 5.0 Great experience. A significant 90%-10% move when doing the accounting. Way easier and faster, a must. Pros Amazingly nice user experience and integrations for expense management. It reconciliates expenses seamlessly Cons Some invoices are still not properly reconciliated and the team needs to take photos, categorize and upload receipts Review Source CM Cameron M. CEO Restaurants Used the software for: 1-2 years ### "Beautiful interface hiding unreliable systems and poor dispute management" October 29, 2025 2.0 At first I was enthusiastic and moved my three companies to Qonto — it looked like the ideal digital bank for entrepreneurs. But after spending hours fixing sync errors, chasing lost invoices, and dealing with unresponsive support, I can’t rely on Qonto as a professional banking solution. The app’s polish hides structural weaknesses and an unprofessional attitude in handling complex cases. Pros The interface is beautiful and fluid — one of the most elegant neobank apps on the market. Daily tasks like viewing balances, sending payments, and managing cards are pleasant and intuitive. It’s also one of the few French fintechs that accepts U.S. citizens, which was a major advantage for my professional use. Cons Behind the design, the system is unstable. Synchronisation with tools like Pennylane is glitchy: forwarded invoices sometimes vanish with no trace, creating a double workload instead of automation. Beneficiary and supplier management feels like a half-finished rollout. Customer support is polite when things go smoothly but tends to disappear when a real problem arises — promised callbacks never come, and difficult issues are avoided. It feels immature for a product serving business owners. Learning Curve: Easy; the app is well designed. Security: Good authentication, but poor incident handling. Value for Money: Reasonable if everything works; otherwise frustrating. Banking & Payment Processing: Fine for simple use, unreliable for complex cases. Features: Attractive but buggy integrations. Team Management: Limited; not robust enough for multi-user businesses. Alternatives considered [Shine](https://www.capterra.com/p/147625/Shine/) Reason for choosing Qonto I thought it looked professional and efficient. Review Source PE Polina E. Co-founder and Head of Growth Marketing and Advertising Used the software for: 1-2 years ### "Avoid Qonto—unreliable software and exploitative fees" January 20, 2026 2.0 After a year as a customer, I'm closing my account. The platform has frequent glitches that disrupt basic operations, and the fee structure isn't transparent—every international transaction adds up fast. When Qonto mistakenly charged me for both annual and monthly subscriptions simultaneously, their support was slow to acknowledge their own mistake. I'd recommend business owners choose a more reliable banking provider from the start. Pros The initial onboarding process was straightforward and easy. The UX/UI design is user-friendly for banking. Cons Unreliable software that feels unfinished, massive hidden fees on non-EU transactions (hundreds of euros monthly), and unhelpful customer support that took days to resolve their own billing error when they double-charged me. Alternatives considered [N26](https://www.capterra.com/p/44999/N26-Bank-Account/) Reason for choosing Qonto Qonto had a feature to add additional user which n26 account for freelancers didn't have at that time. Switched from [Revolut Business](https://www.capterra.com/p/246352/Revolut-for-Business/) Revolut has more perks (e.g. 2% interest rate), no hidden fees, it's more reliable and customer support is helpful. Review Source VR Verified Reviewer Solutionnist Internet Used the software for: 6-12 months ### "Banking as a service never felt so good." August 11, 2021 5.0 I choose banking as a service to save money; I have a digital company, I minimize my costs and Qonto is a great answer to my needs. Support is efficient, the app is efficient and well secured. It is easy to keep tracks on payment notes, payment delays are quicker than in physical banks and the whole solution is very hepful. Pros Among many great thngs, I do love how simple it is to open new bank accounts for the same user account. If you want to have an account for your sales, another for taxes, another for partners, etc, you can do it by yourself, within seconds. If you manage multiple projects and need to know on a regular basis which is profitable or not, you will love it. Cons The only thing I regret is that is impossible to sync Qonto with eshops (Woocommerce & co) or to edit payment links without using another solution. If you want to do that, you will have to also use iZettle or other tools like it. Review Source DA Dineke A. Finance Manager Hospitality Used the software for: 6-12 months ### "Qonto user" March 30, 2022 5.0 Qonto is making the way we pay our bills very easy. Pros The easy way to use it and the integration with Holded. Cons I would like to have an approval future on the system so my finance team can make payments and I can approve them. I would also like to see that our team manager can see the balance on his card without being an administrator. Review Source PD Pierre D. CEO Entertainment Used the software for: 2+ years ### "excellent and very dangerouos" December 18, 2020 1.0 all my data disappeared. they apologize but the only solution is to reconstruct everything and pay an additional external service. ridiculously irrespectful and costly Pros simple interface and good product overall but... Cons no respect for consumers the worst experience in my entrepreneur life Review Source SL Stéphanie L. Gérante Wine and Spirits Used the software for: 1-2 years ### "Un super banque pro en ligne" January 22, 2026 5.0 Cliente satisfaite pour mon utilisation actuelle ! J'aurais aimé pouvoir émettre des factures en TTC mais je ne doute pas que cela viendra. Le service client est toujours disponible et me répond rapidement. La plateforme est facile d'utilisation. Pros Banque en ligne simple d'utilisation, site et application mobile ergonomiques. Je trouve facilement réponses à mes questions quand j'en ai, service client très disponible et réactif. Cons La facturation clients n'est pas encore au point pour la vente aux particuliers (entrer les données au format TTC VS HT - les arrondis ne se font pas correctement). Alternatives considered [EBP Comptabilité](https://www.capterra.com/p/250008/ACTIV-Accounting-Software/) Reason for choosing Qonto Car vous proposiez une banque pro en ligne + un logiciel de facturation et le forfait me paraissait intéressant Review Source AB Antonio B. Agricoltore Farming Used the software for: 2+ years ### "Un cliente soddisfatto" September 12, 2025 5.0 Nel complesso sono soddisfatto e lo consiglio ai miei colleghi come alternativa pratica e flessibile ad un normale C/C Pros La flessibilità e l'implementazione di nuove funzionalità, la possibilità di avere un contatto diretto con persone che vogliono risolvere problemi. Cons L'interfaccia non è sempre immediata, forse dipende dalla traduzione in italiano, la richiesta di giustificativi dei bonifici è pressante in quanto le causali sono sempre compilate correttamente Alternatives considered [Wise](https://www.capterra.com/p/234269/Wise/) Reason for choosing Qonto Sono stato consigliato e l'ho trovato migliore Review Source pS pascal S. entrepreneur Real Estate Used the software for: 1-2 years ### "BET ingénierie" April 21, 2026 5.0 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/) Reason for choosing Qonto QONTO est reconnu pour les entreprises et c'est français Review Source JmP Jean max P. Directeur artistique Arts and Crafts Used the software for: 6-12 months ### "Services et soutien sans faille" January 26, 2026 5.0 En statut de micro entreprise avec une comptabilité simplifiée les service Qonto me conviennent parfaitement. Pros La connection clients devis facturation qui facilite la vie de l'entrepreneur, surtout quand on est dans la création. Perfait pour se consacrer au mieux à son corps de metier . Je recommande cette banque. Cons Pas d'inconvénients à mon sens pour le moment car je suis en micro comptabilite qui donne entière satisfaction, sauf si assujetti a la TVA il faut prendre des options supplementaires Switched from [Paced Email](https://www.capterra.com/p/199989/Paced-Email/) Clareté d'utilisation et facilité de cheminement Review Source SB Stefano B. Titolare Marketing and Advertising Used the software for: 1-2 years ### "Comoda funzionale e conveniente" March 16, 2026 5.0 Sono molto molto soddisfatto, uso il servizio da almeno due anni e non vedo concorrenza che si allo stesso livello di servizio a parità di spesa Pros Semplice da usare, un’app comoda e completa. Il servizio clienti è attivo sempre anche in serata quando spesso mi trovo a fare quelle operazioni che durante il giorno non riesco a fare preso dalla quotidianità. I tre conti interni mi facilitano nella gestione di imposte e risparmi Cons Amò il fatto che ogni spesa sia fatturata ma essendo Qonto una banca estera devo ogni mese fare autofattura. Preferirei scaricare automaticamente le spese nel cassetto fiscale Alternatives considered [Revolut Business](https://www.capterra.com/p/246352/Revolut-for-Business/) Reason for choosing Qonto Più semplice e completo e facile da usare Review Source BP Benjamin P. Président SASU Renewables & Environment Used the software for: 1-2 years ### "Avis Qonto Benjamin" December 22, 2025 4.0 Satisfait du rapport qualité / prix, de la vitesse des opérations. Interface pour mise en ligne des justificatifs efficace Pros Navigation fluide avec présentation claire, possibilité d'afficher des comptes externes SAV rapide et efficace Cons Déçu de l'arrêt des comptes à terme rémunérés sauf à prendre un abonnement plus cher, alors que d'autres plateformes rémunèrent sans coût supplémentaire Alternatives considered [Revolut Business](https://www.capterra.com/p/246352/Revolut-for-Business/) Reason for choosing Qonto Rapport qualité / prix, compte rémunéré. Review Source FN Francesco N. Consulente in tecnologie informatiche Marketing and Advertising Used the software for: 1-2 years ### "Non solo un conto corrente ma un tool completo (quasi al 100%) per i professionisti" October 29, 2025 4.0 L'esperienza complessiva è buona. Credo che sia non solo un semplice conto bancario ma un tool di gestione per professionisti e aziende piuttosto completo. Ci sono alcuni dettagli che potrebbero migliorare soprattutto nella visualizzazione dell'andamento del fatturato ma nel complesso è un'ottima esperienza. Pros Esperienza utente sia nel sito web che in app. L'assistenza sempre molto veloce. Le funzionalità messe a disposizione. Cons Gestione della fatturazione. Mancano funzionalità importanti come filtri più accurati per i movimenti. Mancano le voce "Totale fatturato" o "Fatturato mensile" e "Totale incassato" (per mese) che sono importanti sia per un forfettario che per un'azienda in generale. Non mi è piaciuta molto l'evoluzione dei piani. Io nel mio piano Smart prima avevo incluso ed ho ancora molte funzionalità. Per aggiungere anche semplicemente la firma elettronica dei preventivi mi costerebbe tanto di più. Review Source JC Julien C. animation socio culturelle Non-Profit Organization Management Used the software for: 1-2 years ### "content quonto! " March 14, 2026 5.0 Un grand plaisir, Qonto m'a rendu le travail de suivi comptable et de facturation agréable! Pour une association, il permet de faire un rapprochement bancaire avec "asso connect " pour éditer le bilan et compte de résultat annuel, super pratique! Pros Le mode de suivi des écritures comptables et l'enregistrement et le stockage des justificatifs est tout simplement génial. L'exportation des écritures comptable est un plus indéniable, le système de devis et facturation très bien étudié. Cons Envoi des chèques en métropole depuis La Réunion, long et peu efficace, j'ai demandé à mes clients de ne plus faire de chèques. Review Source MB Mario B. Geschäftsführer Information Services Used the software for: Less than 6 months ### "Fintech mit Tempo, aber ohne steuerliches Verständnis" October 20, 2025 2.0 Pros Der Start mit Qonto war wirklich stark: Die Kontoeröffnung für unsere Tochtergesellschaft war in unter drei Stunden erledigt, inklusive Einzahlung des Stammkapitals. Das war beeindruckend – leider blieb es dabei. Cons Am 18. Oktober buchte Qonto die Jahresgebühr für die Kontoführung ab – 217,59 € plus 20 % französische MwSt. (43,52 €). Ich habe den Fehler am 20. Oktober reklamiert und meine deutsche USt-ID belegt. Trotzdem heißt es vom Support, man könne den Betrag nicht erstatten, da Kunden ohne hinterlegte USt-ID grundsätzlich wie Privatkunden behandelt würden – selbst dann, wenn es sich eindeutig um eine GmbH handelt, deren Handelsregistereintrag wenige Tage zuvor geprüft wurde. Besonders ärgerlich: Qonto bietet weder die Möglichkeit, die deutsche USt-ID im Konto selbst zu hinterlegen, noch einen Hinweis, dass dies erforderlich ist, um vom Reverse-Charge-Verfahren zu profitieren. Auch ein klarer Prozess für Rechnungskorrekturen oder Rückerstattungen existiert offenbar nicht. Und das Beste: Die Rechnung mit der französischen Umsatzsteuer wird erst ab dem 1. November bereitgestellt – also mehr als zehn Tage nach der Abbuchung. Es wäre also problemlos möglich gewesen, den Vorgang zu korrigieren oder den zu viel berechneten Betrag zu erstatten – aber das will man offensichtlich nicht. Für ein Unternehmen, das sich als modernes Fintech versteht, ist dieses Verhalten schlicht enttäuschend. Steuerlich inkorrekte Abrechnungen, falsche Kundeneinstufungen und fehlende Korrekturbereitschaft sind ein No-Go. Sollte Qonto an dieser Haltung festhalten, wird das Konto umgehend gekündigt. Review Source BF Bertrand F. Consultant fondateur Professional Training & Coaching Used the software for: 2+ years ### "Early adopter jamais déçu" February 26, 2026 4.0 Entrepreneur indépendant, je fais de Qonto un usage très ponctuel mais régulier dans le cadre de mes dépenses de fonctionnement. Comme ce n’est pas mon core business, je ne veux surtout pas perdre de temps et en cela, je suis très satisfait. Pros Facilité et intuitivité des interfaces, fiabilité et disponibilité des services. Bienvenue dans une banque pure player vraiment user centric. Cons Rien de particulier dans le cadre de mes usages basiques qui ne sont pas pollués de complexité tant fonctionnalités que sûreté. Review Source CR Carmen R. Imprenditore Cosmetics Used the software for: 2+ years ### "Ottimo conto, ottima applicazione " March 31, 2026 5.0 Sono completamente soddisfatto, lo consiglio a chiunque, rispetto ad altre banche è sicuramente la migliore Pros Facile e intutivo da usare, assistenza clienti ottima e immediata, ottima ache la sezione finanziamenti Cons Niente, sostanzialmente non ho nulla di cui potermi lamentare, forse bisognerebbe migliorare la grafica Review Source RC Raffaele C. Libero professionista Computer Networking Used the software for: 2+ years ### "Esperienza diretta" January 31, 2026 5.0 Tranne qualche problema con PagoPa, come precedentemente indicato in precedenza. In generale è funzionale. Pros Abbastanza fluido nelle operazioni. Qualche volta ho riscontrato problemi in operazioni effettuate e ho dovuto risolvere in altri modi. Cons Poco tempo fa ho notato che PagoPa verso alcune società non vanno a buon fine e non mi è stato chiaro se sia trattato di problema momentaneo o perenne. Se in futuro si ripresenta contatto assistenza. Review Source AF Andy F. Gérant Motion Pictures and Film Used the software for: 2+ years ### "Banque pro en ligne au top" January 6, 2026 5.0 Très facile d'utilisation et support toujours présent en cas de très rare problème ou pour une simple question Pros Banque en ligne parfaite pour les entreprises, application pratique et bien faites et propose régulièrement des nouveautés , jamais de bug Cons En toute franchise, aucun inconvénient pour une banque en ligne, pratique, intuitive et ne bug jamais Review Source AP Alexandre P. DIRIGEANT Management Consulting Used the software for: 2+ years ### "Avis Qonto 5 étoiles" January 9, 2026 5.0 Excellente, tout ce que j'attends d'un compte courant professionnel. Trésorerie qui crée de la valeur. Pros Tout est bien pensé pour une utilisation au quotidien. Très agréable à utiliser. Facile de transmettre les données à l'expert comptable. Cons La carte bleue de base n'est pas assez premium (matière etc.) Le forfait Smart devrait contenir une meilleure carte bancaire. Review Source LB Loïc B. Gérant Health, Wellness and Fitness Used the software for: 6-12 months ### "Avis utilisation pro qonto" December 26, 2025 5.0 Très satisfaisante, le logiciel me fait gagner un temps incroyable et permet à mes équipes d’être plus autonome. Pros La Simplicité d’utilisation et de prise en main, son côté intuitif et la facilité à rechercher et trouver une information Cons L’Attente avant de pouvoir débloquer certains services comme la mise en place des prélèvements automatiques par exemple. Review Source Similar Products Featured ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.