Qonto
Qonto
600K clients; multi-IBAN (FR,DE,IT,ES); 2000+ integrazioni; Trustpilot 4,7/5. No deposit guarantee (safeguarding); piano Basic: 10 transfers. not ancora a banca (no deposit guarantee); piano Basic limited
Data & conditions
| Account fee | — |
|---|---|
| IBAN | dedicato · FR, DE, IT, ES |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | Yes |
| SEPA direct debit (SDD) | Yes |
| ATM withdrawal | Free |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA · 6+ countries |
| Regulator | ACPR |
| OAM Italy registration | No |
| Segment | B2B |
| MiCA / License status | Payment Institution EMI (licenza bancaria richiesta 2025) |
Plans & pricing
Qonto Starter
- Price
- Free
- Permanently free
- German/French IBAN
- Physical Mastercard
- Free SEPA
Qonto Basic
- Price
- €9
- More transactions
- Receipt capture
Qonto Smart
- Price
- €19
- VAT auto
- Accounting export
- Bulk pay
Qonto Premium
- Price
- €39
- Unlimited team
- Multi-IBAN
- Advanced API
Qonto Enterprise
- Price
- €99
- Account manager
- Custom features
Strengths
- 600K clients; multi-IBAN (FR,DE,IT,ES); 2000+ integrazioni; Trustpilot 4,7/5.
Weaknesses
- No deposit guarantee (safeguarding); piano Basic: 10 transfers.
Verdict
600K clients; multi-IBAN (FR,DE,IT,ES); 2000+ integrazioni; Trustpilot 4,7/5. No deposit guarantee (safeguarding); piano Basic: 10 transfers. not ancora a banca (no deposit guarantee); piano Basic limited
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
FAQ
Is Qonto a real bank?
Qonto operates under a Payment Institution licence (FR). It is regulated by ACPR. The deposit-protection scheme is not documented for this service; check the official terms.
Can I send transfers to third-party IBANs with Qonto?
Yes, Qonto allows outgoing transfers to third-party IBANs, like a traditional bank account.
Does Qonto support direct debits and utility billing?
SEPA direct debit (SDD): supported. Utility-bill domiciliation: supported.
Which fiat currencies does Qonto support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Qonto?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Data verified on Jun 1, 2026
- Verified source Data verified on Jun 13, 2026
Update history
- Entry rebuilt from the v2 canonical dataset (manually verified record).