--- title: "Qonto Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is Qonto the right Online Banking solution for you? Explore 275 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" publication_date: "2026-10-19" --- Qonto 4.5 (275) [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 October 19th, 2026 # Reviews of Qonto Ease of use 4.7 Customer Service 4.3 ## 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 DS David S OwnerComputer Software, Self-employedUsed the software for: More than 2 years. “I like the ease of use both from a web browser and the mobile app.“ May 18, 2026 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. “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 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 275 available reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use R Reviewer dirigeant Used the software for: 1-3 years ### "un client satisfait " September 29, 2026 5.0 intuitive, facile, interface qui simplifie l'émission des factures, le suivi des encours et le pilotage de son activité Pros fonctionnalités et adéquation des solutions. Compte rémunéré Anticipation des besoins du chef d'entreprise et facilité de pilotage de la trésorerie Cons pas de possibilité de règlement par chèque pour certaines administrations encore à l'âge de pierre... Review Source Verified Reviewer Fondatrice Used the software for: 1-3 years ### "Qonto constitue un outil pratique et moderne pour les professionnels. J'aime❤️" September 23, 2026 5.0 Mon expérience avec Qonto est globalement très positive. La plateforme facilite réellement la gestion bancaire au quotidien grâce à une interface intuitive et à des fonctionnalités pensées pour les professionnels: factures électronique, virements, les factures rapides avec liens de paiement, créer sa boutique produits/services... Elle permet de gagner du temps, de mieux suivre les opérations et de centraliser plusieurs tâches administratives. Pour un entrepreneur qui souhaite simplifier sa gestion financière et se concentrer davantage sur son activité, Qonto constitue un outil pratique et moderne. J'aime. Pros J’apprécie particulièrement la simplicité et l’ergonomie de Qonto. L’interface est claire, moderne et facile à prendre en main, ce qui permet de gérer rapidement les opérations courantes d’une entreprise. J’apprécie également la visibilité sur les transactions, la gestion des justificatifs et le gain de temps dans le suivi administratif et financier. L’ensemble donne une vision plus claire de la trésorerie et facilite la gestion quotidienne de l’activité. Cons Certaines fonctionnalités peuvent demander un petit temps d’adaptation lorsqu’on découvre la plateforme. Il serait également intéressant de continuer à développer les possibilités de personnalisation et d’automatisation afin de répondre encore davantage aux besoins spécifiques des entrepreneurs et des petites entreprises (ajout d'un tutoriel) Review Source R Reviewer Manager G Used the software for: 1-3 years ### "Qonto : une solution intuitive et efficace pour les entrepreneurs" September 21, 2026 4.0 Une expérience globalement positive, avec un outil pratique et complet qui facilite le quotidien de l’entrepreneur, malgré quelques fonctionnalités nécessitant un temps d’adaptation. Pros Une interface claire, une navigation fluide et des fonctionnalités pratiques pour suivre les opérations, gérer les dépenses et centraliser les tâches administratives. Cons Certains paramétrages administratifs et de facturation électronique mériteraient d’être simplifiés, avec des explications plus accessibles pour les entrepreneurs. Review Source R Reviewer Tributarista Used the software for: 3-5 years ### "Ero con voi sin dall'inizio" September 17, 2026 4.0 Ritengo un ottima esperienza perché emerge l'importanza del cliente rispetto a tutta quella serie di adempimenti che in altri istituti di credito/pagamento sono vincolanti al punto da rendere il prodotto non performante. Pros Che sia un prodotto smart e molto completo, con performance ottime, con possibilità di strutturare team anche articolati. Cons Al momento non vedo svantaggi tali da farmi desistere, solo che essendo il momento economico globale cosi particolare, mi farebbe comodo un costo leggermente più basso, ma ripeto considero soldi spesi bene. Review Source R Reviewer PRÉSIDENT Used the software for: Less than 1 year ### "merci quonto" September 16, 2026 5.0 ultra satisfait des outils à disposition, de la capacité à éditer les documents. Sans parler de la qualité des éditions de devis, factures, qui sont très pro. Pros simple et efficace, que ce soit pour la fluidité d'execution, et les outils, je ne peux que recommander quonto Cons a date, pas grand chose, tout est bien adapté à mon besoin. entre le PC, le téléphone, tout est accessible Review Source R Reviewer Dirigeante Used the software for: Less than 1 year ### "Excellente banque pro et outil de gestion" September 8, 2026 5.0 Qonto permet Experience Fluide et intuitive de la comptabilité. Quel gain de temps, je le conseille à tous les entrepreneurs Pros Grâce a Qonto la pré-comptabilité est facilitée cela change la vie. Je le recommande à tous les entrepreneurs Cons Le Prix du dépôt de chèque en formule basic est élevé. C’est dommage car c’est le seul bémol selon moi Review Source R Reviewer Gastronom Used the software for: 3-5 years ### "Konto wurde ohne Vorwarnung gesperrt" August 17, 2026 1.0 Pros Qonto ist übersichtlich, schnell eingerichtet, praktisch und intuitiv für den geschäftlichen Alltag. Cons Unsere Erfahrung mit Qonto ist bislang leider äußerst enttäuschend. Wir erhielten per E-Mail die Aufforderung, ein Formular auszufüllen. Gerade in einer Zeit, in der Banken selbst ständig vor Phishing-Mails warnen, halten wir es für sehr fragwürdig, sensible Abfragen auf diesem Weg zu versenden, statt sie ausschließlich über einen gesicherten Bereich im Online-Banking bereitzustellen. Noch gravierender war jedoch der weitere Ablauf: Uns wurde praktisch keine angemessene Zeit gegeben, auf diese Anfrage zu reagieren. Innerhalb von weniger als einer Stunde nach Erhalt der E-Mail wurde unser Geschäftskonto gesperrt. Eine vorherige vernünftige Kommunikation oder die Möglichkeit, offene Fragen mit dem Support zu klären, gab es nicht. Durch die Sperrung sind uns konkrete Nachteile im laufenden Geschäftsbetrieb entstanden. Lastschriften wurden nicht ausgeführt bzw. zurückgegeben, Zahlungen konnten nicht wie vorgesehen abgewickelt werden und wir mussten kurzfristig erheblichen zusätzlichen organisatorischen Aufwand betreiben, um unseren Zahlungsverkehr anderweitig sicherzustellen. Besonders schwer wiegt für uns, dass sich auf dem Konto Firmeneinnahmen befinden, über die wir aufgrund der Sperrung derzeit nicht verfügen können. Diese Mittel stehen dem Unternehmen damit faktisch nicht für den laufenden Geschäftsbetrieb zur Verfügung. Gerade bei einem Geschäftskonto ist das ein erheblicher Eingriff, weil vorhandene Liquidität nicht genutzt werden kann, obwohl die Gelder auf dem Konto vorhanden sind. Dass ein Finanzdienstleister bestimmte Informationen oder Unterlagen von seinen Kunden anfordern muss, stellen wir grundsätzlich nicht infrage. Was wir jedoch kritisieren, ist die Art und Weise der Durchführung: eine sensible Anfrage per E-Mail, praktisch keine Reaktionsfrist, anschließend die Sperrung eines Geschäftskontos und keine vernünftige Kommunikation mit dem Support. Da eine direkte und nachvollziehbare Kommunikation bislang nicht stattgefunden hat, werden wir Qonto nun ausdrücklich auf diese Trustpilot-Bewertung hinweisen. Vielleicht führt dieser öffentliche Weg dazu, dass sich jemand den Vorgang vollständig ansieht und mit uns in einen vernünftigen Austausch tritt. Wir geben Qonto weiterhin die Chance, die Situation zu klären, die entstandenen Nachteile angemessen zu berücksichtigen und unser Vertrauen zurückzugewinnen. Wir sind gespannt, wie Qonto mit diesem Vorgang umgeht, und werden die Bewertung entsprechend aktualisieren, sobald es eine Entwicklung gibt. Das Qonto-Team kann diesen Vorgang unserem Firmenkonto anhand der bestehenden Korrespondenz eindeutig zuordnen. Review Source R Reviewer Fondateur Used the software for: 1-3 years ### "Un Chef d'entreprise en IA témoigne" August 11, 2026 5.0 Utilisation au quotidien pour le pilotage de mon entreprise. Je vais créer une seconde société dans quelques jours avec Qonto. Pros Interface utilisateur intuitive. API avec le logiciel Clémentine. Tableau de bord avec graphiques. Rapport Prix / Services Cons La lecture des taux de TVA sur les factures et notes de frais est perfectible. La proposition de ventilation de type de frais est perfectible. Review Source R Reviewer Gérant Used the software for: 1-3 years ### "Bon choix de banque pour un entrepreneur" July 24, 2026 5.0 Très bonne. Et le fait qu'elle fasse aussi la facturation électronique est un avantage supplémentaire. Pros Facilités d'utilisation. Sobriété dans l'interface. Fonctionnalités très bien pensées pour gérer son business. Je recommande. Cons J'ai juste rencontré un souci technique au démarrage mais l'assistance m'a aidé à le résoudre, donc rien de particulier. Review Source R Reviewer Consulente in comunicazione Used the software for: 1-3 years ### "Finalmente il conto giusto per persone e imprese " July 24, 2026 5.0 Ottima e soddisfacente non ci sono motivi per cambiare banca serietà e tempestività nell'assistenza così come per i prodotti erogati. Pros Professionalità,trasparenza,costi estremamente contenuti, assistenza super veloce, da consigliare e da provare poiché facile anche l'utilizzo e la gestione del conto. Cons Nulla, al momento, tutto perfetto e perfettamente funzionale rispecchia perfettamente le nostre esigenze e i nostri bisogni. Review Source R Reviewer CEO Used the software for: 1-3 years ### "Qonto is my personal choice for business banking" December 16, 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. Review Source R Reviewer Owner Used the software for: 3-5 years ### "A great bank" May 19, 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 Review Source R Reviewer CEO Used the software for: 3-5 years ### "Unacceptable Account Block & Non-Existent Customer Support – Serious Risk for Businesses" April 13, 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 Used the software for: 1-3 years ### "Very good bank for business" April 25, 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 Miguel G. Investor Used the software for: 1-3 years ### "A must to save time" May 26, 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 R Reviewer CEO Used the software for: 1-3 years ### "Beautiful interface hiding unreliable systems and poor dispute management" October 30, 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. Review Source R Reviewer Co-founder and Head of Growth Used the software for: 1-3 years ### "Avoid Qonto—unreliable software and exploitative fees" March 5, 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. Review Source Verified Reviewer Solutionnist Used the software for: Less than 1 year ### "Banking as a service never felt so good." August 13, 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 R Reviewer Finance Manager Used the software for: Less than 1 year ### "Qonto user" March 31, 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 R Reviewer CEO Used the software for: 3-5 years ### "excellent and very dangerouos" December 22, 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 R Reviewer Agricoltore Used the software for: 3-5 years ### "Un cliente soddisfatto" September 15, 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 Review Source R Reviewer Titolare Used the software for: 1-3 years ### "Comoda funzionale e conveniente" March 17, 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 Review Source R Reviewer Directeur général Used the software for: 3-5 years ### "Rivers and Canals in Europe. Rent à boat..... Le tourisme fluvial..." June 9, 2026 5.0 Pour l'instant nous n'utilisons pas le dépôts des factures correspondant au différentes transactions. Mais pour nous ce service est un plus. Pros Sa clarté et le retour de toutes transaction immédiatement ce qui permet de gérer la gestion bancaire immédiatement comptablement parlant. Cons De devoir payer une augmentation d'abonnement pour plusieurs intervenants sur le compte bancaire, par exemple le comptable qui ne peut que voir mais pas utilisé en émission, retrait et transaction bancaire, ce qui est un bien d'un autre côté. Review Source R Reviewer Responsabile amministrazione e del personale dipendente Used the software for: 3-5 years ### "Ottimo consigliatissimo" July 17, 2026 5.0 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 R Reviewer Consulente in tecnologie informatiche Used the software for: 1-3 years ### "Non solo un conto corrente ma un tool completo (quasi al 100%) per i professionisti" November 3, 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 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.