Qonto - Business Finance App

Qonto - Business Finance App

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Logo of Qonto - Business Finance App

Qonto - The All-in-One Finance OS for Modern Businesses

Unchain your growth with a powerful business account that integrates banking, invoicing, and spend management. Ditch the bureaucracy and manage your company cash flow with a mobile-first experience built for freelancers and SMEs.

Publisher

Olinda

Category

Finance

Downloads

1M+

User Rating

4.8/5

Total Ratings

78K+

Locales

7

Your Financial OS in Action

Discover the interface used by 1M+ users.

A hand holding a smartphone showing the Qonto business finance dashboard with cash flow charts and analytics

A hand holding a smartphone showing the Qonto business finance dashboard with cash flow charts and analytics

Qonto mobile app dashboard showing business transactions and international transfers.

Qonto mobile app dashboard showing business transactions and international transfers.

A professional using the Qonto app to share a mobile invoice and payment link from his smartphone

A professional using the Qonto app to share a mobile invoice and payment link from his smartphone

Mobile app screen showing budget limits and spending progress bars for different business teams like Marketing and Sales.

Mobile app screen showing budget limits and spending progress bars for different business teams like Marketing and Sales.

Accepting contactless card payments on an iPhone with the Qonto business app

Accepting contactless card payments on an iPhone with the Qonto business app

A user scanning a paper receipt with the Qonto app for streamlined bookkeeping and accountant collaboration.

A user scanning a paper receipt with the Qonto app for streamlined bookkeeping and accountant collaboration.

Entrepreneur using Qonto app to connect business tools for mobile productivity

Entrepreneur using Qonto app to connect business tools for mobile productivity

Qonto business finance app dashboard showing cash flow forecasts and inflow and outflow graphs.

Qonto business finance app dashboard showing cash flow forecasts and inflow and outflow graphs.

Your Financial Operating System

The tools that make this app stand out, trusted by 1M+ users.

Admin on Autopilot

Eliminate manual bookkeeping. Centralize receipts and invoices automatically, and give your accountant real-time access to sync data without the back-and-forth.

💳

Smart Spend Management

Issue team cards with custom limits and track every transaction in real-time. Accept client payments on the go with Tap to Pay on iPhone or instant payment links.

📈

Actionable Cash Flow

Get a crystal-clear roadmap of your finances. Forecast cash gaps weeks in advance and access integrated financing options to fuel your growth exactly when you need it.

Loved by users worldwide

Trusted by 1M+ people who love this app.

"

"As a freelance designer, I used to dread the administrative side of my business. Qonto changed everything. Being able to accept payments with Tap to Pay on my iPhone and having my receipts automatically categorized has saved me hours every week. It’s the first banking app that actually feels like it was built for the modern creator."

Sarah Jenkins, Freelance Art Director
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"Running a growing agency means I can't be everywhere at once. Qonto’s spend management tools allow me to give my team cards with set limits while keeping total control. The integration with our bookkeeping software is seamless, and the international transfer speeds are unmatched. It’s more than a bank; it’s our financial operating system."

Marcus Thorne, CEO of Digital Wave

About the app

Everything you need to know about Qonto - Business Finance App.

Description

Qonto makes day-to-day banking easier for SMEs and freelancers, thanks to an online business account combined with invoicing, bookkeeping and spend management tools. With an innovative product, highly responsive 24/7 customer service and clear pricing, Qonto has become the European leader in its category. Master your daily finances with a powerful business account • Local IBANS • Payment cards: spend up to €200,000/month. No hidden costs. Pay online or in-store, at home and abroad: whatever the situation, our range of free and premium corporate cards included in your subscription has got you covered. • Transfers: flexible payment methods - from instant SEPA to speedy international transfers - so you can pay and get paid faster. • Get paid anywhere: accept payments in-store, on the move with Tap to Pay on iPhone, or online with Payment links. Enjoy faster access to funds with zero friction. • Transactions: unlimited history and real-time notifications. • Financing: simplified access to integrated financing options: apply in minutes for our partners financing deals or ease your supplier payments with our in-house financing offer, Pay later. Unchain your growth with a suite of financial tools • Invoice management: centralize invoices & receipts in one place; get paid fast and pay your suppliers even faster. • Spend management: control team spending with budgets, automatic receipt collection & tailored access. • Bookkeeping: collaborate seamlessly with your accountant by connecting them to our suite of tools; get a full, real-time cash flow overview. • Cash flow management: track the journey of every euro, forecast cash gaps in the weeks ahead, and see VAT updates in real time; let your unified dashboard translate scattered financial data into an actionable business roadmap. Follow Qonto for news and company updates. See what our customers have to say about us at https://www.trustpilot.com/review/qonto.com Olinda Head Office is registered at 18 Rue De Navarin, 75009, Paris, France.

Latest Version

20260116.0

Size

585.6 MB

First Released

Jun 29, 2017

Ready to unchain your business growth?

Join 1M+ entrepreneurs who have simplified their banking, invoicing, and spend management with our all-in-one financial OS. Get started in minutes.

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FAQ

Frequently Asked Questions

Everything you need to know about Qonto - Business Finance App

What is Qonto - Business Finance App?

Qonto is an online business account for SMEs and freelancers. It combines banking with invoicing, bookkeeping, and spend management tools. Qonto provides 24/7 customer service and clear pricing.

Does Qonto offer local IBANs for businesses?

Yes, Qonto provides local IBANs as part of its powerful business account features. This simplifies day-to-day finances for users.

Can I manage team spending with the Qonto app?

Yes, the Qonto app includes spend management tools. Users can control team spending with budgets, automatic receipt collection, and tailored access for team members.

How does Qonto help with invoicing for businesses?

Qonto offers invoice management features to centralize invoices and receipts. It enables users to get paid faster and pay suppliers quickly, streamlining financial operations.

What financing options are available through Qonto?

Qonto provides simplified access to integrated financing options. Users can apply for partner financing deals or utilize Qonto's in-house "Pay later" offer for supplier payments.

Does Qonto support international transfers?

Yes, Qonto supports speedy international transfers. In addition to instant SEPA, it offers flexible payment methods for global transactions.

Can I accept contactless payments using the Qonto app on an iPhone?

Yes, Qonto allows users to accept contactless payments by using "Tap to Pay on iPhone". This feature enables receiving payments in-store or on the move.

How does Qonto assist with bookkeeping?

Qonto streamlines bookkeeping by allowing seamless collaboration with accountants. It provides tools for full, real-time cash flow overviews.

What is the maximum monthly spend limit on Qonto payment cards?

Qonto payment cards allow spending up to €200,000 per month. There are no hidden costs, and cards are included in the subscription.

Does Qonto offer real-time cash flow management?

Yes, Qonto provides real-time cash flow management. Users can track every euro, forecast cash gaps, and see VAT updates in real time on a unified dashboard.

Can Qonto connect with other business tools?

Yes, Qonto connects with other business tools for productivity. The app integrates with services like Slack, Google Drive, and Dropbox.