Qonto

Qonto is an online business account built for freelancers, micro-businesses, and SMBs who want to take control of their finances without the time sink. Everything is centralized in a single interface: a business bank account earning up to 4% annually, physical and virtual cards, wire transfers, and even a credit card with zero interest if repaid on time.

Invoice management is fully integrated: create, send, and track your quotes and invoices, automate collections, and process supplier invoices in 25+ foreign currencies. Automatic receipt reminders and accounting reconciliation save you valuable time every month.

For teams, Qonto lets you set budgets by department, control spending before it happens, and give your accountant autonomous access. A 2025 Forrester study estimates benefits at €51,000 over three years for small businesses, with 60% less time spent on day-to-day financial admin.

Account opening takes 10 minutes, with a 30-day free trial. Customer support responds in 5 languages, 7 days a week.