Qonto: what it is and how it works

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What is Qonto

Qonto, as just mentioned, it is an account designed for SMEs, but there are also many advantages offered to professionals, who can benefit from an extremely simple, efficient and transparent current account for VAT number.

In fact, it is a matter of one 100% online, multi-user and multi-card business account, which opens in just 10 minutes. It can be managed freely from PC, smartphone and tablet and has Smart features capable of saving a lot of time: among these, I would like to point out the execution of transfers (even multiple) in just 20 seconds simplified management of expense reports with the elimination of refund requests and the loading of receipts in real time, thededicated access to the accountant with the export of expenses and the request for missing receipts in one click, the possibility to receive notifications in real time it's a customer service in in your languagen available by email and phone with an average response time of 15 minutes.



Another key feature of Qonto is its transparency: three plans are available, suitable for businesses of different sizes, with clearly explained characteristics and costs. It also offers the possibility of try them for free for 30 days without any commitment.

In short, a completely different music compared to traditional banks, which often provide services that are difficult to use (due to an unintuitive user interface, limited mobile operations and the absence of real-time notifications), cause loss of time (perhaps for the request to physically go to the branch to perform certain operations) and do not always have transparent costs.

Qonto plans

Before explaining how to enter Qonto and how to use the service, it seems only right to take a look at yours Piani and his prices: you will find everything illustrated in detail below.



  • We will only - costs 9 euros / month + VAT after 30 days of free trial. It includes only 1 user, 1 physical One debit card (with 5 euros / month + VAT to be added for each additional card) and the possibility to create virtual One debit cards at 2 euros + VAT per card. It includes 20 incoming / outgoing transfers and SEPA direct debits per month (0,50 euros + VAT for each additional transaction) and requires a 1% commission on outgoing transfers in foreign currencies. It then integrates an unlimited movement list updated in real time, the upload of payment receipts and the export of transactions in CSV / PDF / QIF format.
  • Standard - it costs 29 euros / month + VAT after 30 days of free trial, but with mine exclusive discount code "Ridingworks29", reserved for new customers, you can get 3 months free (first month free + 29 euro discount for the following 2 months). It includes 5 users, 2 physical One debit cards (with 5 euros / month + VAT to be added for each additional card) and the possibility to create 2 free One virtual debit cards (any other cards cost 2 euros + VAT each) . It includes 100 incoming / outgoing transfers and SEPA direct debits per month (0,40 euros + VAT for each additional transaction) and requires a 1% commission on outgoing transfers in foreign currency. It then integrates all the benefits of the Solo plan, with additional personalized access for Admin / Collaborators / Accountants and multiple transfers.
  • Premium - costs 99 euros / month + VAT after 30 days of free trial. It includes unlimited users, 5 physical One debit cards (with 5 euros / month + VAT to be added for each additional card) and the possibility to create 5 free One virtual debit cards (any other cards cost 2 euros + VAT each) . It includes 500 incoming / outgoing transfers and SEPA direct debits per month (0,25 euros + VAT for each additional transaction) and requires a 1% commission on outgoing transfers in foreign currency. It then integrates all the advantages of the Standard plan, plus the pre-insertion of transfers by collaborators and dedicated VIP assistance.

The letter MasterCard One, included in all Qonto plans, guarantees free euro card payments and foreign currency card payments with a 2% fee per transaction. It provides for a monthly spending limit of 20 thousand euros, while the withdrawal limit is 1.000 euros. On cash withdrawals there is a fee of 1 euro + VAT. The Business One guarantee is also included.



Alternatively, you can apply for the card MasterCard Plus which, for 6 euros / month + VAT, guarantees free euro card payments and foreign currency card payments with a 1% commission per transaction. It provides for a monthly spending limit of 40 thousand euros, while the withdrawal limit is 2.000 euros. On cash withdrawals there is a fee of 1 euro + VAT after 5 free withdrawals. Includes Business Plus Guarantee.

If you want to know more, I invite you to consult the official Qonto website, where you can find a very comprehensive comparison table on the various plans and cards available that can be requested. You also have the possibility to compare the Qonto service with other online or traditional business current accounts, thanks to the bank comparator on the website.

How to open a Qonto checking account

Opening a Qonto bank account is really child's play: it takes just 10 minutes. All you have to do is connect to the official website of the service and click on the button Try it for free, to begin the registration process.

Nella pag check if you enter, enter you email address, award-winning Confirmation and wait for the confirmation code to be received. Then log into your e-mail box, open the message received from Qonto, go back to the service website and paste the code of 6 code nell'apposito campo di testo.

After this step, fill in the new form that is proposed to you by entering in the appropriate fields cellphone number e Password you intend to use to access the account (to be repeated later in the field below).


Later, he indicates what is the country where your company is registered and provide all the details about the latter, such as business name, legal form, Date of constitution e registration number; then load the registration certificate by clicking on the appropriate box or by dragging the document into it: PDF, JPG, PNG and GIF files up to 30MB are supported.


Then click on the button Confirmation and enter theaddress of your business. Once this is done, he points out who are you, specifying if you are the legal representative of the company or if you have a proxy. Next, fill out the new form that is submitted to you, entering all yours personal data and uploading an identity document: the document upload procedures are the same as those seen above for uploading the registration certificate.

Once the upload is complete, Qonto will ask you for a second identity document, which is required by the service for regulatory reasons. Therefore, select the type and load the new document, always following the same procedure described above; then fill out the form below with yours personal address; if your personal address and that of your company are the same, check the appropriate box.

In the screen dedicated to members, then indicates all beneficial owners of the company (who will receive an email with the request to upload their own identity document) and, subsequently, choose the Qonto plan you intend to subscribe between We will only, Standard e Premium. I remind you that, if you are a new customer, you can register with my exclusive discount coupon, "Ridingworks29", and obtain 3 months free of the Standard plan (specifically: first month free on the plan you prefer + 29 euro discount for the following 2 months).

Once you have selected the plan to subscribe, choose the paper best suited to your needs between One e More and confirm by ticking the box relating to general conditions of use, then the one to indicate that you are not a robot and solving the proposed captcha.

Mission accomplished! At this point you have joined the more than 50 companies that have trusted Qonto to simplify the management of their finances.

Remember, however, to finalize your card order by indicating a delivery address and setting a PIN protection for the same: in this way, within a few days, you will also receive your card and you will be able to take full advantage of the advantages of Qonto.

How to use Qonto

Once logged into your account, you will find yourself on the page containing the movements carried out, with the possibility of checking the details of each of them (by clicking on it) and exporting them in CSV, QIF or OFX, by pressing the button Export.

Via the side menu, you can then access the other sections of Qonto: Map, to manage all the cards associated with the account (if you want to view the limits, block and change the PIN of a card or create new ones, simply press on it and use the functions that appear in the right menu); Wire transfers to directly execute a single SEPA transfer in euros, a single transfer in foreign currency or a SEPA multiple transfer; Requests, (a section available only with the Premium plan), to view pending bank transfer requests received from your collaborators / employees and those already processed; Direct Debits; Bill (to view the bank details) e Dashboard. The dashboard is the one that allows you to have a general overview of the account, displaying the balance, the trend in the form of a graph, the list of the latest transactions and the summary of flows.

Then clicking on the company name in the upper left corner you can access the user menu with options to adjust the settings of Qonto, manage a team, switch to another account and access the customer care.

Going into more detail, in the Qonto settings panel you can set the language in which to use the service, manage their contact details and personal data, regulate the notifications, manage the display content, access the panel team management, from which you can invite new members to the account, and view the details of the. on the card associated with your account. It's all very intuitive: just select a category from the left sidebar and then adjust the various settings available through the menus and fields that are displayed on the screen.

If before entering Qonto you want to try the service, you can connect to this page and access a demo account, through which you can test the interface of the management panel and the functions offered.

Furthermore, I point out that you can also access and manage your account through the official Qonto app for Android or iOS / iPadOS. Its interface is slightly different than that of the web version of the service, but the available functions are the same: you will not struggle to understand how to use it.

For more information

Are you interested in Qonto but, before registering for the service, would you like some more information about how it works? Then I highly recommend that you consult the official Qonto Help Center, where you can find informative articles on all aspects of the service, in in your languagen.

All you have to do is connect to the main Help Center page and select a topic from Open an account, Transactions, Card management, Bank account, Settings, Mobile app, Information e Legal. Alternatively, you can use the search bar, above, to quickly find the topic of your interest.

If, on the other hand, you want to contact Qonto support directly, scroll down the page to the section Do you want to contact us?, and choose your favorite contact channel from e-mail e phone. The Qonto team will thus help you to resolve your doubts and / or any problems that may have arisen during the use of the service.

Article created in collaboration with Qonto.

Qonto: what it is and how it works


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