# Qonto Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Qonto the right Online Banking solution for you? Explore 258 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/173384/Qonto/reviews --- Qonto 4.5 (258) [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 March 13th, 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 258 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 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 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 AS Andriy S. Holzhandel Import and Export Used the software for: 2+ years ### "Sehr praktisch für den Geschäftsalltag" September 25, 2025 5.0 nsgesamt bin ich sehr zufrieden. Qonto erleichtert mir den Geschäftsalltag enorm, da ich nicht ständig zur Bank laufen oder mit komplizierten Formularen kämpfen muss. Alles ist digital, einfach und zuverlässig. Ich nutze Qonto nun schon eine Weile und würde es definitiv weiterempfehlen. Pros Mir gefällt, dass bei Qonto alles sehr übersichtlich aufgebaut ist. Die App ist modern, schnell und ich kann meine Finanzen auch unterwegs problemlos im Blick behalten. Besonders praktisch finde ich die Möglichkeit, Unterkonten anzulegen und Karten flexibel zu verwalten. Cons Manchmal dauern Überweisungen ins Ausland etwas länger als erwartet. Außerdem wäre es schön, wenn die Gebühren für Bargeldeinzahlungen etwas günstiger wären. 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 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 GO Gregory O. PRESIDENT Marketing and Advertising Used the software for: 1-2 years ### "Dèçu. L'application était futuriste mais plus maintenant" November 10, 2025 2.0 Mauvaise. Je perds un temps fou depuis la mise à jour. Que ce soit sur ordinateur ou sur whatpps ca buge ne permanence Pros L'application en general fluide et fonctionnelle Les justificatifs directement rentré sur l'application L'alerte sur les virement effectué dans les 7 jours Cons Les bugs de maj Le message pour la facturation électronique insupportable de connexion Les justificatifs whatapp ne fonctionnent plus Review Source Response from Qonto November 13, 2025 Bonjour Gregory, Nous vous remercions d'avoir pris le temps de déposer votre avis. Nous sommes navrés de lire vos difficultés et nous aimerions trouver des solutions. Nous ne parvenons pas à vous identifier, ainsi, pourriez-vous nous adresser un e-mail à l'adresse careteam@qonto.com, s'il vous plaît ? Nous espérons avoir de vos nouvelles prochainement et vous souhaitons une excellente journée. TB THOMAS B. ARTIGIANO Machinery Used the software for: 2+ years ### "CONTO QONTO RECENSIONE " February 5, 2026 5.0 MI SONO TROVATO MOLTO BENE PER QUELLO CHE UTILIZZO DOVREI SFRUTTATLO DI PIU MA DIPENDE DA ME, DOVREI APPROFONDIRE DI PIU' L'UTILIZZO Pros MOLTO PARATICO E FUNZIONALE, collegando anche altri conti aziendali un un unica app permette di tenero sotto controllo tutti i conti contemporaneamente Cons FORSE IL PREZZO MENSILE NON PROPRIO ECONOMICO, PER CHI MANGARI NON LO SFRUTTA A PIENO COME CONTO CORRENTE. Review Source LW Laurent W. Solier Construction Used the software for: 1-2 years ### "Banque en ligne très satisfaisante." November 17, 2025 5.0 L'interface, le logiciel est très simple d'utilisation sur portable comme sur ordinateur Et les conseillers sont très réactifs. Pros L'interface. Et très simple, très utile. Et des que l'on veut Un conseiller, tout se passe très bien, rapide ou rapide et fluide. Cons A l'heure actuelle, je suis chez qonto depuis plus de 2 ans, je n'ai pour le moment. Aucune. Réflexion à faire. En temps et en tant que relationnel avec les conseillers de qonto Review Source VT Virginie T. CEO Food & Beverages Used the software for: 1-2 years ### "Vraiment déçue " June 2, 2025 2.0 vraiment déçue, je trouve vraiment leur pratiques commerciales très "border line". Les prix doublent et vous n'en êtes pas informés! Bref, je cherche une autre banque, plus fiable. Pros facile, pratique, comme quasi toutes les banques en ligne maintenant donc je ne sais pas si ces avantages sont vraiment concurrentiels Cons des frais juste HALLUCINANTS!!!! j'ai pris un forfait de base à une trentaine d'euros par mois qui était "illimité" sur les virements internationaux + transactions... Je me retrouve, on ne sait pas pourquoi avec un forfait à 70€/mois et je paie des frais de virements internationaux!!! Je cherche donc à changer de banque car je me sens vraiment trahie. Review Source Response from Qonto June 6, 2025 Bonjour Virginie, Nous sommes sincèrement navrés de lire votre avis et la situation que vous rencontrez. Nous avons effectivement procédé à une modification de notre gamme de forfaits et vous avons averti par e-mail à plusieurs reprises. Le forfait Essential n'est peut-être pas adapté à votre activité, il offre désormais un nombre illimité d'accès au compte. Le forfait Smart peut être une très bonne alternative pour conserver vos avantages pour 19 € HT / mois en paiement annuel et 23 € HT / mois en paiement mensuel. Pourriez-vous nous écrire à careteam@qonto.com, s'il vous plaît, nous serons ravis de vous aider ? En attendant de vos nouvelles, nous vous souhaitons une bonne journée. 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 QE QUIRICO E. Amministratore Outsourcing/Offshoring Used the software for: 1-2 years ### "Servizi Completi" January 26, 2026 5.0 Sono Molto soddisfatto riesco a gestire molto bene le varie attività. Applicazione molto funzionale. Pros Disponibilità operatori e gamma di servizi top. Facilità dell'utilizzo dell'applicazione. Costi molto limitati. Cons Dover confermare identità di continuo. Già 3 volte negli ultimi 4 mesi. Ancora richiesto nel mese in corso. Alternatives considered [N26](https://www.capterra.com/p/44999/N26-Bank-Account/) Reason for choosing Qonto Rapporto Migliore qualità prezzo e utilità 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 IT Isla T. Auto-entrepreneur Translation and Localization Used the software for: 6-12 months ### "Un package très efficace compte + outil de gestion" February 13, 2026 5.0 Une très bonne surprise quand j'ai ouvert mon compte en tant qu'EI : Qonto propose de multiples fonctionnalités et outils de pilotage qui permettent de tout centraliser. Un vrai gain de temps ! Pros L'outil de gestion intégré, très complet et très facile à prendre en main. La fonctionnalité d'envoi par courriel des devis et factures. Les formalités de création de mon auto-entreprise en 20 minutes, un bonheur ! Cons Le manque d'options de formatage dans les devis et les factures : gras, italique, etc. Pour le reste, RAS. Review Source dC delphine C. Présidente Management Consulting Used the software for: 6-12 months ### "Qonto c'est le compagnon financier du quotidien de l'entrepreneur" November 13, 2025 5.0 L'application Qonto met un outil complet et évolutif au service des entrepreneurs. Un compagnon de route financier proactif, intuitif et évolutif qui met l'expérience client et sa satisfaction au cœur de ses préoccupations. Pros La pro activité L'information sur les nouveautés L'accompagnement La tech hyper développée et pointue Cons Interface pas toujours intuitive, obligeant à des allers-retours sur les écrans Le bouton de déconnexion pas simple à trouver Review Source Similar Products Featured ## Related categories [Banking Systems](https://www.capterra.com/banking-systems-software/)[Online Banking](https://www.capterra.com/online-banking-software/)[Mobile Banking](https://www.capterra.com/mobile-banking-software/) ## 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.