Qonto
Qonto: Business account with invoicing, bookkeeping, expense management and financing too
Qonto is a French business account platform that combines banking and finance operations for companies. It handles payments, card spending, invoicing, expense management, and working capital credit, while also offering company creation services for structures such as SAS, SASU, SARL, EURL, SEI, and micro-enterprises. The platform centralizes financial data and connects to external bank accounts and payment services.
Core capabilities include SEPA and global transfers, virtual and physical Mastercard debit and credit cards, invoicing with embedded payment links, Tap to Pay and POS terminals, and supplier invoice import with automated reconciliation. Qonto AI provides in-app Agents and an MCP connection for external AI tools, with drafted actions requiring user review. The platform offers over 2,000 integrations, a public API, EBICS connectivity for accountants, and no-code automation through Zapier and Make. Security features include AI-powered fraud detection, Verification of Payee, Strong Customer Authentication, and approval workflows.
Qonto serves entrepreneurs, finance teams, accountants, and bookkeepers across European markets. It is packaged in subscription plans (Basic, Smart, and higher tiers) with varying integration access, and offers card insurance coverage on Plus and X editions.
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