Qonto

Business Profile

Core Value Proposition

Qonto provides an online business account that handles day-to-day finance administration while offering remuneration on account balances (up to 4% AER for the first two months).

Target Customer

{"Self-employed","Freelancers & sole traders","Micro-businesses (1-9 employees)","SMEs (10-250+ employees)","Associations"}

Key Differentiator

Remunerated business account with up to 4% AER for the initial period, plus 2,000+ integrations, 7/7 multilingual support, and a 100% online onboarding process to manage payments, invoicing, and cash flow in one place.

Implementation Timeline

{"onboarding":"Open an account in minutes; 30-day free trial","remunerationPromo":"Remuneration up to 4% AER for the first 2 months for new clients","implementation":"Onboarding and setup designed to centralize invoicing, expenses, and cash flow quickly"}

Pain Points

1Time-consuming finance administration and month-end closing
2Slow or cumbersome invoicing and getting paid
3Lack of centralized control over team spend and real-time cash flow visibility

Key Features

1Invoicing and real-time tracking (e-invoicing, payments, quotes) in multiple currencies
2Expense & spend management with budgets and auto receipts
3Cash flow forecasting and accounting prep (real-time cash flow insights, auto‑match receipts, accountant access)
4Payment methods: physical and virtual cards, transfers, payment terminals, Tap to Pay
5Integrations: 2,000+ integrations with productivity tools and accounting software

Target Customer Industries

Decision Makers

1Founder
2Co-founder
3CFO
4CEO

Client Results

1€51,000 in benefits over three years from a Forrester Consulting Total Economic Impact study (operational, invoicing, expense management & accounting efficiencies)
2Over 7 hours of a financial lead's time saved each month due to streamlined finance admin (per the Forrester TEI study)
3Customers can open an account in minutes and access a 30-day free trial

Competitive Advantages

1Remunerated account balance: up to 4% AER for eligible new accounts (first 2 months)
22,000+ integrations to boost productivity
37/7 customer support via chat, phone, or email
4100% online onboarding and paperless setup
5Real-time invoicing, payments, and cash-flow insights

Key Benefits

1Remuneration on account balance (up to 4% AER for initial period)

2Centralized invoicing and real-time payment tracking

3Expense and spend management with budgets and auto receipts

4Cash flow forecasting and accounting prep

5Extensive integrations and multi-currency capabilities

Case Studies & Success Stories

Total Economic Impact of Qonto (Forrester TEI)

Case #1

For small businesses, Qonto delivers €51,000 in benefits over three years across operational, invoicing, expense management and accounting efficiencies; ~7 hours/month saved in finance admin; payback and ROI metrics highlighted by the commissioned study.

Curecall – fast responses via Qonto

Case #2

Co-founder Mohammed El Bojaddaini states Qonto provides very fast responses, almost instantly via chat, aiding day-to-day business development.

Morrison Shoes – per-team budgets and time savings

Case #3

CFO Álvaro Patón says Qonto enables creating accounts for each team with assigned budgets, helping track expenses and save time.

Additional Product Information

Product Description

Online business account for freelancers, self-employed individuals, micro-businesses, and SMEs, offering invoicing, spend management, payments, and cash-flow tools with a remunerated balance.

Target Market

Freelancers, self-employed, micro-businesses, SMEs, and associations seeking an all-in-one, online financial operations platform

Unique Value Proposition

Remunerated online business account with extensive invoicing, expense management, real-time cash-flow insights, and a large ecosystem of integrations (2,000+), designed to streamline finance admin for SMBs and associations.

Technical Requirements

{"Online-only platform with 100% digital onboarding","Payments secured with 3D Secure and Strong Customer Authentication (SCA)","Regulated as a licensed payment institution by ACPR (FGDR-backed deposit coverage up to €100,000 per institution per client via FGDR; additional guarantees by Crédit Agricole CIB and BNP Paribas)","Supports local and international payments, including SEPA and SWIFT"}

Pricing Model

{"base_price":"From €9/month (excl. VAT)","promotions":"30-day free trial","remuneration_terms":"4% annual rate for the first 2 months for new clients; subsequent rates vary by plan; minimum of 5 eligible payment transactions per month required"}

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