Qonto

QIs Qonto a bank?

QFrom the profile Qonto is a licensed payment institution authorized by the French Autorité de Contrôle Prudentiel et de Résolution (ACPR). It offers a fully featured business account with banking services including transfers, payment cards, and customer deposits protected up to €100,000 per institution through the FGDR guarantee system, with additional coverage through bank guarantees.

QWhat financial tools are included in Qonto?

QFrom the profile Qonto includes comprehensive financial tools across all plans: invoicing and quote generation, expense and receipt management, bookkeeping and pre-accounting, cash flow tracking and forecasting, payment processing and terminals, account remuneration, and integrations with over 2,000 external tools. Premium plans add subscription tracking, renewal alerts, and advanced cash flow features.

QHow does the account remuneration work?

QFrom the profile Account remuneration offers 5% annual equivalent rate (AER) for the first two months on eligible account balances, then drops to 1.5% AER. The Smart plan caps remunerated balance at €50,000, while the Premium plan caps it at €100,000. You must make at least 5 eligible transactions per month to unlock remuneration.

QCan Qonto help with company creation?

QFrom the profile Yes, Qonto offers a company creation service for various business structures including SAS, SASU, SARL, EURL, SCI, and micro-enterprises. The service is designed to be simple and fast, with setup completed in 24 hours. Qonto handles the paperwork and provides support from start to KBIS registration.