Qonto business account
Qonto’s business account is a digital payment solution for sole traders and small to medium-sized enterprises. Qonto offers three standard packages for Dutch entrepreneurs: Basic, Smart and Premium. In addition, Qonto provides tailored solutions for larger organisations under the names Essential, Business and Enterprise. On this page, you will find a complete overview of Qonto’s business account packages, including costs, features and terms.
About Qonto
Qonto is a French fintech company and European neobank that has been active in several European countries since 2016, including the Netherlands, Germany, Spain, and Italy. The company focuses on freelancers and small to medium-sized enterprises. Qonto is supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR), part of the Banque de France. Client funds are held with partner bank Crédit Mutuel Arkéa, separate from Qonto’s own corporate finances.
Qonto business accounts
Qonto offers three main accounts for Dutch entrepreneurs, each with its own fees and features. Below are the key details for each account.
Qonto Basic
Costs per month: €3
Customer due diligence costs per month: €0
Cost per transaction: €0.40 beyond 30 free transactions per month
Estimated time to open: 2–3 working days
Qonto Smart
Cost per month: €12
Customer due diligence cost per month: €0
Cost per transaction: €0.40 beyond 60 free transactions per month
Estimated time to open: 2–3 working days
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Qonto Premium
Monthly cost: € 23
Customer due diligence cost per month: € 0
Cost per transaction: € 0.40 beyond 100 free transactions per month
Estimated time to open: 2-3 working days
Qonto business cost overview
Costs per month
Kosten klantonderzoek
Costs per transaction
Debit card costs per month
Cost of replacing a debit card (one-off)
Cost of an additional current account per month
Qonto Basic
€3.00
0
€0.00
€0.00
€0.00
€0.00
Qonto Smart
€12.00
0
€0.00
€0.00
€0.00
€0.00
Qonto Premium
€23.00
0
€0.00
€0.00
€0.00
€0.00
Please note: all stated rates are based on the most up-to-date data as of 10 October 2025. Depending on usage, additional costs may apply. Always consult the provider's website for a complete and up-to-date overview.
Pros and cons of the Qonto business account
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Qonto business account packages
Qonto offers three standard packages for Dutch entrepreneurs: Basic, Smart and Premium. Each package includes specific features, transaction limits and pricing structures. Below is a description of what is included in each package and which conditions apply. Would you like to view a better alternative straight away? Then take a look at GoDutch’s business bank account.
Qonto Basic
The Basic package is Qonto’s entry-level package. It includes one business account with one physical One Card (Mastercard Debit). The first thirty transactions per month are included, after which €0.40 applies per additional transaction.
The package includes basic functionalities such as invoicing, supplier payments and integration with accounting software. This makes the package suitable as a business account for self-employed professionals and freelancers.
The monthly cost is €3 excluding VAT. Virtual cards can optionally be added for an additional fee per card. The account can generally be opened within a few minutes up to a maximum of two working days.
Qonto Smart
The Smart package includes one main account and one sub-account, including one physical One Card and fifty virtual payment cards. The first sixty transactions per month are included, followed by €0.40 per additional transaction.
In addition, accounting features, reports and a balance remuneration are included: 4% for the first two months and 1% thereafter. This package is intended as a business account for a private limited company or as a general partnership account. This allows them to benefit from additional features, such as supplier management and access for an external accountant. The monthly cost is €12 excluding VAT.
FAQ
Frequently asked questions about the Qonto business account
How long does it take to open a business account with Qonto?
Opening a business account with Qonto usually takes a few minutes up to a maximum of two working days. The application is completed entirely online via the sign-up form on Qonto’s website. Verification of identity and company details determines the exact duration of the process.
How much does a business account cost with Qonto?
The monthly costs for a business account with Qonto vary by package. The Basic package costs €3 per month, the Smart package €12 per month, and the Premium package €23 per month. For additional transactions beyond the included number, €0.40 per transaction is charged. Virtual or additional payment cards incur an extra fee, depending on the type of card.
How long does applying for a business account with Qonto take?
The application for a business account with Qonto is generally completed within one to two working days. As soon as the identification and customer due diligence checks are approved, the account is activated immediately and is ready for use.
How do I close my Qonto business account?
You can close Qonto business accounts via the dashboard, once balances, cards and integrations have been completely removed. It is advisable to export documents and transactions first for your records. All steps are listed on Closing a Qonto business account.
