# Qonto Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Qonto the right Online Banking solution for you? Explore 252 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 (252) [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 252 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 LK Louis K. Dirigeant, solo IT dept as-a-service Computer Software Used the software for: 2+ years ### "Un bon outil" December 16, 2025 5.0 C'est simple, ça fonctionne. Et pour avoir testé des concurrents sur d'autres sociétés, la qualité logicielle de Qonto est inégalée sur le marché français. Pros La gestion des notes de frais, la notification est reçue immédiatement sur mon téléphone, et la capture avec l'appareil photo est intuitive. Cons Les fonctionnalités de templating de factures sont payantes, mais on peut quand même dupliquer des factures précédentes. Switched from [Tiime](https://www.capterra.com/p/179777/Receipt/) L'UX de Qonto est supérieure à celle des concurrents. On a aussi essayé les banques traditionnelles mais elles sont trop lentes, et le besoin de passer par leur service client pour un grand nombre d'opération est inefficace. Review Source LD Laure D. directeur Mechanical or Industrial Engineering Used the software for: 1-2 years ### "très bon compte bancaire simple et efficace" January 2, 2026 5.0 La simplicité des opérations est un gage de temps et de qualités des actions effectuées : pas de prise de tête pour trouver les fonctionnalités et une assurance du travail bien fait. Une liaison automatique avec les comptables qui fonctionne parfaitement bien. Pros La simplicité d'utilisation de l'application et de saisie des factures est très appréciable. La liaison avec les comptables est un net gain de temps et gage de sécurité. Cons Honnêtement je ne vois pas ce que je pourrai critiquer. Ils ont toujours une longueur d'avance sur mes besoins. Alternatives considered [Shine](https://www.capterra.com/p/147625/Shine/)[Revolut Business](https://www.capterra.com/p/246352/Revolut-for-Business/) Reason for choosing Qonto les tarifs étaient plus abordables et recommandés par des comptables Review Source SA Santos A. CEO Civil Engineering Used the software for: 2+ years ### "NADA QUE VER CON LA ARCÁICA BANCA TRADICIONAL" October 31, 2025 5.0 Cubre todas nuestras necesidades perfectamente. El servicio de atención al cliente es rápido y resolutivo. La posibilidad de acceso para las personas autorizadas. Pros La operativa de la aplicación Web como móvil. Navegación intuitiva e instantánea. Transferencias inmediatas incluidas. Cons Quizás un exceso de correspondencia vía mail. Posibilidad de reducir comunicaciones y mantener las alertas más importantes. Alternatives considered [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) Reason for choosing Qonto Nos dimos de baja de las anteriores entidades debido a sus altos costes y atención al cliente inexistente Review Source LR Laurence R. Vannerie Arts and Crafts Used the software for: Less than 6 months ### "Qonto ma banque pro " January 6, 2026 5.0 Expérience très satisfaisante dans l'ensemble des services et je la recommande vivement a mon entourage Pros Toujours quelqu'un de dispo pour répondre à mes questions Service tap to pay très pratique et rapide Les catégories pour nommer les transactions Les notifications rapide Cons Impossible de déposer de l'espèce Le faible avantage du parrainage Le bouton déconnexion n'est pas assez visible Alternatives considered [SumUp](https://www.capterra.com/p/170673/SumUp-Air/) Reason for choosing Qonto Banque d'origine France et sur conseil d'utilisateurs 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 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 jD james D. président Construction Used the software for: 1-2 years ### "qonto avis" October 20, 2025 4.0 Trés bonne experience et surtout au moindre probléme tres réactif (on m a pirate ma carte en 10 min le probléme à été reglé)pour moi c'est plus important Pros la facilité d'utilisation le compte est toujours en temps réel meme les prélement à venir sont indiqué pratique pour pouvoir piloter sont entreprise Cons les formules d'abonnement pas claire , on peu avoir une formule avec des cartes différente j aurais aime une seul carte pour toutes les formules car ensuite l'abonnement n'est pas trés clair .ensuite le taux de rénumération du compte est une bonne idée mais trop bas sur trad republic c est actuellement a 2% Reason for choosing Qonto le temps réel de l application et le tarif Review Source HR Hélène R. CEO Human Resources Used the software for: 2+ years ### "Efficacité" March 20, 2026 5.0 Le logiciel est très intuitif. il n' y a rien en trop ( pas d'images ou de publicités sur des services associés) Pros Qonto propose des services réactifs , simples et fluides. La plateforme est conviviale et tout est accessible directement. Cons Je n'ai rien a dire. Je n'ai pas trouvé d'inconvénients notables ni dans l'utilisation de l'appli, ni pour les produits proposés. 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 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 VA Vincenzo A. Legale rappresentante Construction Used the software for: 1-2 years ### "Ultimamente peggiorato" June 16, 2025 1.0 Ho Qonto da diversi anni ma nell ultimo periodo mi viene bloccato il conto pur avendo inviato i documenti necessari e richiesti … ho bisogno dello sblocco immediato del qonto Pros La facilità della gestione, nelle operazioni e come è impostato app è perfetto ma nell ultimo periodo non ci siamo Cons Ho il conto bloccato, è inammissibile per un titolare di azienda trovarsi con il Qonto bloccato , va sbloccato Review Source Response from Qonto June 17, 2025 Buongiorno Vincenzo, abbiamo preso visione della tua recensione e ci dispiace per il disagio causato dalla sospensione del tuo conto. Sappiamo quanto sia importante avere il conto business pienamente operativo. Tale sospensione è dovuta al mancato invio della documentazione richiesta nella nostra comunicazione del 05/05/2025 e ai successivi reminder ricevuti; l’aggiornamento dei dati è un obbligo previsto dalla normativa vigente (D.lgs. 231/2007) e richiesto a tutti gli Istituti di Pagamento autorizzati, come Qonto, in conformità con le direttive della Banca d’Italia. Per supportarti nella risoluzione della situazione, un nostro consulente ti contatterà a breve per indicarti quali documenti inviare. Non appena riceveremo la documentazione, procederemo rapidamente alla riattivazione del conto. Ti ringraziamo per la comprensione. Il Team Qonto AB Arnaud B. Gérant Automotive Used the software for: 6-12 months ### "Très bon partenaire pour se lancer dans l'entreprenariat" September 15, 2025 5.0 Qonto m'a facilité l'ouverture de ma société, chose nouvelle pour moi, et m'accompagne encore au quotidien. Je recommande cette organisme financier. Pros Les équipes sont très réactives, outils très simple d'utilisation et complet pour démarrer son activité. Gros plus pour l'assistance à la création d'entreprise. Cons Rien en soit, la crainte au début de ne pas avoir de contact physique peux faire peur mais au final les conseiller sont toujours disponible et comprenne parfaitement les demandes. Review Source Alessio C. Imprenditore Legal Services Used the software for: 1-2 years ### "Perfetto per la mia "smart SRL"" July 24, 2025 5.0 Non conoscevo Qonto. Avevo bisogno di una soluzione molto smart per la mia neo costituita SRL. Ho trovato tutto quello che cercavo e non posso che dirne bene. Pros Il conto ha tutte le funzionalità che mi servono, in particolare la possibilità di effettuare pagamenti anche di ingenti importi con carta di credito, oppure di effettuare bonifici in valuta estera con commissioni ragionevoli. Cons Non un vero svantaggio: non ci sono filiali "fisiche", almeno per quanto ne so, tuttavia le poche volte in cui ho avuto bisogno di supporto la risposta del servizio clienti è stata rapida ed efficace. 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.