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Digital financial management for freelancers

Qonto is the digital financial solution for SMEs, founders and self-employed.

With a business account that can be applied for completely online in just a few minutes and TÜV-certified financial management tools for invoices, accounting and expense management, Qonto helps self-employed people and entrepreneurs to simplify their everyday financial life so they can focus on what's important - their business. 

In doing so, Qonto builds especially on a user-friendly, digital and intuitive solution that makes financial processes more effective through the use of technologies and integrations with partners such as DATEV, lexoffice, SumUp & Co.

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Qontos features at a glance

Digital business account and cards
  • Open your all-in-one business account completely online in just a few minutes.
  • Mastercard cards, SEPA real-time transfers & direct debits included.
  • Simplify financial management thanks to sub-accounts, accounting integrations and individual account access.
Invoice management
  • Create and send your invoices in just a few clicks.
  • Track the current status of your invoices and get paid faster.
  • Manage all your vendor invoices in one place.
Team and expense management
  • Issue cards to your employees who can use them to pay independently.
  • Set individual payment limits and permissions for employees.
  • Manage budget for individual teams in designated sub-accounts.
  • Your employees can upload receipts themselves and receive reminders in case you forget.
Accounting and Reporting
  • Allocate receipts to the respective payments with just a few clicks.
  • Automate data entry and processing of supplier invoices.
  • Connect DATEV, lexoffice and many other accounting integrations directly to your Qonto account.

Qontos Mission

The idea for Qonto was born out of frustration: when Alex and Steve founded their first company, they felt thwarted by the services offered by traditional banks: too complicated, too time-consuming. They also lacked the financial management tools a modern business needs. So the two founders themselves developed the financial solution they had been looking for in vain as entrepreneurs - one that doesn't slow businesses down, but gives them more drive.

Our mission is clear: to provide the all-in-one financial solution that helps self-employed people and SMEs succeed. State-of-the-art technology with intuitive operation at transparent prices. Because entrepreneurs deserve a service that gives them energy. And does not rob. 

We offer the financial solution of tomorrow. So that today's businesses can develop their full potential.