Qonto Qonto Enterprise
A plan byQonto
Qonto is a B2B neobank regulated by the ACPR in France, with over 600,000 clients, multi-IBAN coverage (FR, DE, IT, ES), more than 2,000 integrations and a 4.7/5 Trustpilot score. It is not yet a full bank, so deposits are protected through safeguarding rather than a deposit guarantee, and the Basic plan caps transfers at ten.
Qonto Enterprise
- Price
- €99
- Issuance fee
- Free
- FX markup
- 2%
- Cashback
- 0%
- Cashback currency
- Nessuno
- Cashback cap
- Free
- Required staking
- Nessuno
- ATM fee
- 0%
- ATM limit
- €2 per prelievo
- Net annual cost
- €1,188
What's included
- Account manager
- Custom features
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato · FR, DE, IT, ES |
| Multi-currency | No (single currency) |
| Outbound transfers to third-party IBANs | Yes |
| Utility direct billing | Yes |
| SEPA direct debit (SDD) | Yes |
| On-chain crypto withdrawal | No |
| SEPA transfer | Free |
| Interest on balance | 2% |
| ATM withdrawal | Free |
| Free ATM limit | €2 per prelievo |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA · 6+ countries |
| Regulator | ACPR |
| Segment | B2B |
| MiCA / License status | Payment Institution EMI (licenza bancaria richiesta 2025) |
Strengths
- 600K clients; multi-IBAN (FR,DE,IT,ES); 2000+ integrazioni; Trustpilot 4,7/5.
- No notable sovereignty advantage documented.
Weaknesses
- No deposit guarantee (safeguarding); piano Basic: 10 transfers.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (EMI (licenza bancaria richiesta 2025)): reporting to authorities and freezes on order.
Verdict
Among the highest ratings in the category, with concrete reasons: over 600,000 clients, multi-IBAN coverage (FR, DE, IT, ES), more than 2,000 integrations and a 4.7/5 Trustpilot, available in Italy. The caveat that weighs is that it isn't yet a full bank — deposits are protected by safeguarding, not a deposit guarantee — and the Basic plan caps transfers at ten.
It gives up a lot through this lens: custodial with full KYC, ACPR oversight and below-average privacy (4/10). The huge ecosystem of integrations is operational value, not sovereignty; no self-custody or real confidentiality for the user.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
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 Plans & pricing · Regulatory framework · SEPA fee · SWIFT fee Data verified on Jun 15, 2026
- tech.eu Investors Data verified on Jun 15, 2026
- legal.qonto.com Issuer Data verified on Jun 14, 2026
- pitchbook.com Issuer Data verified on Jun 14, 2026
Show 5 more sources
- sifted.eu Issuer Data verified on Jun 14, 2026
- support-nl.qonto.com Plans & pricing Data verified on Jun 14, 2026
- thesaasnews.com Issuer Data verified on Jun 14, 2026
- trustpilot.com Trust & safety Data verified on Jun 14, 2026
- nexco-expertise.com Founders Data verified on Jun 13, 2026