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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the efficient and modern banking experience, highlighting the user-friendly web interface and mobile application. People find the tools handy, especially the ability to add notes and attachments to payments, and the immediate setting of card limits. The platform's responsiveness and helpful support team also stand out, making it easy for users, including international clients, to manage their accounts and resolve issues quickly. Consumers also value the competence and proactivity of the staff, who are often multilingual and solution-oriented. The speed and effectiveness of the online support, particularly in resolving urgent issues like fraudulent payments, have left a positive impression. While some users noted a lack of support for specific payment types and a need for more flexible pricing plans, the overall sentiment is that Qonto offers a valuable and constantly evolving service for small businesses and freelancers.

Based on these reviews

Rated 5 out of 5 stars
Invited

The people who have helped me going through my questions and answering my needs and requests were very fast and efficient and cherry on the cake they are all super friendly. They respond very quick... See more

Company replied

Rated 5 out of 5 stars
Invited

A problem has arisen between a supplier and myself. My exchanges with Qonto on this subject have been timely and very professional & effective. This experience has increased my respect for Qonto and i... See more

Rated 5 out of 5 stars
Invited

Qonto is a great app for business banking — fast, clean, and professional. Managing invoices, transfers, and cards is easy. But be careful: some fees (like for physical cards) are not clearly shown at... See more

Rated 5 out of 5 stars
Invited

After struggling with several other banks/organizations just to open a bank account for our startup under foundation, I decided to contact Qonto and then everything was very easy. An agent contacted m... See more

Rated 3 out of 5 stars

Qonto is an excellent platform for managing business finances. The app is easy to use, fast, and reliable. Customer support is professional and very responsive. It really helps entrepreneurs save time... See more

Company replied

Rated 5 out of 5 stars
Invited

The powerful Intergrated tooling for accounts management has been a breeze. As a small business owner I've simplified my accounts to just the bank account, and it now only takes me 30 mins to compil... See more

Company replied

Rated 5 out of 5 stars
Invited

If you’re a founder building your company from scratch, Qonto is a lifesaver. Setting up a business account before your company legally exists is usually a bureaucratic chicken and egg nightmare... See more

Rated 5 out of 5 stars
Invited

Qonto is a no nonsense banking experience the lack of pilfering experienced with traditional banks is a breath of fresh air. It's not the cheapest of banking solutions but effective and just about... See more

Company replied

Rated 5 out of 5 stars
Invited

I was so suprised , how fast and effective is Qonto online support! I had some fraudulent payments, and they solved the problem in 5 minutes! Also got a call from their service, and I can’t thank Wae... See more

Company replied

Rated 5 out of 5 stars
Invited

Qonto continue to add new features with out overwhelming me with options I don't need. The ability to scan and email in receipts and have them automatically matched to transactions is a a game chang... See more

Company replied

Rated 5 out of 5 stars
Invited

Super convenient website that assesses basic information for your account opening. Everything is online and per email. Great reaction time and support is helpful and solution oriented. Also li... See more

Rated 5 out of 5 stars
Invited

The direct way of communication is straight correct and to the point. Qonto manage te responds on short term and answering the questions. The working of bank app is simple and easy to use. Qonto is... See more

Rated 5 out of 5 stars
Invited

Suspection de fraude , l assistant quonto m a rappelé et m as guidé dans la démarche, je suis très satisfait, sérieux, rapide et à l écoute . Très satisfait

Rated 5 out of 5 stars
Invited

The immediate response from help desk agent was amazing. Very knowledgeable, professional and friendly. I got assistance from Olfa G A who spoke very good English and she followed up after she gave th... See more

Rated 5 out of 5 stars
Invited

I asked an urgent question and was very quickly connected to an agent, Hajar. Hajar answered all of my questions clearly and succinctly, so that I was able to continue with my day reassured that my qu... See more

Rated 5 out of 5 stars

After facing some challenges related to communication, what I truly appreciated was that Qonto took responsibility and did everything they could to resolve the issue. For me, this was a huge step on... See more

Company replied

Rated 5 out of 5 stars
Invited

I use Qonto for more then a year as the CEO of German GmbH company and more then happy. Everything is available from mobile app, everything real-time, fast incoming SWIFT-payments, very helpful suppor... See more

Company replied

Rated 3 out of 5 stars
Invited

Today my account got blocked because I did not reply to an e-mail received 2 days before. The phone support is great but took a while to answer because they are oveloaded of work and that's why there... See more

Company replied

Rated 5 out of 5 stars
Invited

Very well guided process. Easy to access, much better than Postbank or other traditional banks with their online banking. The only negative touchpoint in the account opening journey was a call from a... See more

Rated 5 out of 5 stars
Invited

Excellent service technique j'ai ete pris en charge par Fatimaezzahra H M, qui ma enormement aider et resolue tous mes soucis interne a l'application en moins de 20min ! Je recommande

Rated 5 out of 5 stars
Invited

Proactive call to guide me smoothly through the process. Very helpful and polite associate. Great customer service all around!

Company replied

Rated 5 out of 5 stars
Invited

Website is very functional, easy to use and has an insightful dashboard. I never had any issues with payments in France/abroad or anything else. Unlike the traditional banks, the information is easy t... See more

Company replied

Rated 5 out of 5 stars
Invited

I needed help with creating a direct debit and Madam Adjaratou was very helpful and patient with me . Highly reccommend qonto.

Rated 5 out of 5 stars
Invited

Set up of account and support and follow up by support of Qonto was simply perfect. Easy bank account set up online and really quick support in case of questions. I can only recommend !!!

Company replied

Rated 5 out of 5 stars

Excellent service. It was actually enjoyable to create a company through them. Very good support, very good UX.

Rated 5 out of 5 stars

Customer Friendly, Easy and Quick Process, Bank checks don't take "for ever" and you receive everything wiftly in at home and/or in your e-mail-box.

Rated 5 out of 5 stars
Invited

ho ricevuto da Michael assistenza immediata e attenta, con gentilezza e professionalità. Mi ha aiutato a risolvere un problema in 5 minuti!

Rated 5 out of 5 stars
Invited

I chose Qonto at the time for the possibility of quickly opening a SASU with capital deposit. I like the ability to do everything by myself without having to call customer service for every operation.... See more

Rated 5 out of 5 stars
Invited

Thank you for your "same-day" response to my query today. I closed my account back in 2023, but it felt that I never actual left your amazing bank. Great service for an old customer.

Rated 5 out of 5 stars

it was really quick to get company created through Qonto. Also they were available in english for me since I don’t speak french. Julia also helped me in figuring things with french admin and was of gr... See more

Company replied

Rated 5 out of 5 stars
Invited

Merci beaucoup à Gnima pour son assistance et sa patience à trouver la solution à ma question.

Rated 5 out of 5 stars
Invited

A very good experience with the client service. They are super responsive and fast in delivering answers and solutions. I am super happy with Qonto’s services

Rated 5 out of 5 stars
Invited

Early experience is pretty great, fast app, everything easy to find, they contact you to check if everything works ok. Hope it stays like that.

Rated 5 out of 5 stars
Invited

Very simple to organize Support team is very helpful international transactions are done with proper review and quite smooth

Company replied

Rated 5 out of 5 stars
Invited

After years of operations in several fields of import and export in Italy. Of course using the Italian banking system.we realized the huge difference once operated the QONTO ACCOUNT. EFFICIENT, FA... See more

Rated 5 out of 5 stars
Invited

After my unbelievably bad experience with BNP Paribas, I was so happy to find this bank for my freelance professional account. The user interface is great - very easy to use - and their team has alway... See more

Company replied

Rated 5 out of 5 stars

What's better than making a customer immediately happy? Sorting out things in a smooth and professional manner with an (initially) grumpy one! By doing so, you create long term engagement and show tha... See more

Company replied

Rated 5 out of 5 stars
Invited

+ve Great support, very reactive, multi-lingual. Web interface works well on most platforms. Tools are handy, such as adding extra notes and attachments to a payment. Ability to set card l... See more

Company replied

Rated 5 out of 5 stars
Redirected

I’ve had a great experience with Qonto’s customer support. I recently lost my phone and had trouble re-associating the new one with my account. The support team was incredibly responsive and helpful... See more

Rated 5 out of 5 stars

I was very lucky to find this company on the internet somewhere. I don't remember exactly, maybe someone advertised them on instagram or i saw their ad somewhere, however, im forever grateful for tha... See more

Rated 4 out of 5 stars

I'm trying to open an account for a company, and it's been three working days since I can't receive any help, either from the chat or by e-mail. The process is stuck. Complete silence. They only acc... See more

Company replied

Rated 3 out of 5 stars

Qonto makes sense for very small companies, from 1 to 10 people (TPE). It's especially great to incorporate in France. When you go beyond/scale, you need proper currency, spending, treasury... See more

Company replied

Rated 5 out of 5 stars
Invited

I'm absolutely delighted with my experience using Qonto for my business account. From the very beginning, the process has been incredibly smooth, and I'm so glad I chose them. What truly stands out is... See more

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Company details

  1. Financial Institution
  2. Bank
  3. Bookkeeping Service
  4. Business to Business Service
  5. Payment Service
  6. Private Sector Bank

About Qonto

Written by the company

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 7/7 customer service and clear pricing, Qonto has become the European leader in its category.

Get started with a powerful Business Account for all your everyday banking needs.

  • Local IBANs (🇫🇷 French IBAN / 🇩🇪 German IBAN / 🇮🇹 Italian IBAN / 🇪🇸 Spanish IBAN)
  • Payment cards: spend up to €200,000/month. No hidden costs. Pay online, in-store, 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 SWIFT - so you can pay, and get paid, faster.
  • Transactions: unlimited history and real-time notifications.
  • Financing: easy access to integrated financing options.

Then, leverage our Financial tools to keep track of your money and help you grow your business.

  • Invoice management: centralize invoices & receipts in one place, get paid faster & automate your outgoing payments
  • Spend management: control team spending with budgets, automatic receipt collection & tailored access.
  • Bookkeeping: collaborate seamlessly with your accountant, connecting to our suite of tools, and get a full, real-time cash flow overview.

Follow Qonto for news and company updates (LinkedIn, Instagram, YouTube, Medium).

Read more

_____

Qonto simplifie le quotidien bancaire des PME et des indépendants, en offrant un compte pro 100 % en ligne, des outils de facturation, de comptabilité et de gestion des dépenses. Avec un produit innovant, un service client ultra réactif 24h/24 et 7j/7, et des tarifs transparents, Qonto est devenu le leader européen de sa catégorie.

Gérez tout votre quotidien bancaire depuis votre compte pro.

  • IBAN français.
  • Cartes de paiement : dépensez jusqu'à 200 000 € par mois avec nos cartes Mastercard Business. Sans frais cachés. Que ce soit pour vos achats en ligne ou en magasin, en France ou à l'étranger, nos cartes gratuites ou premium répondent à tous vos besoins.
  • Virements : payez en 10 secondes chrono avec les virements SEPA instantanés gratuits et boostez votre activité à l’international avec les virements SWIFT, disponibles dans plus de 25 devises.
  • Transactions : gagnez en visibilité avec un historique de vos transactions illimité et mis à jour en temps réel.
  • Financement : accédez à nos offres de financement partenaires pour développer votre projet professionnel et recevez les fonds directement sur votre compte pro.
  • Chèques : déposez vos chèques par voie postale et recevez votre argent sur votre compte pro sous 7 à 15 jours ouvrés selon le montant.

Profitez des outils intégrés à votre compte pro pour booster votre activité. 100 % ligne. Au même endroit. Que vous soyez indépendant(e) ou à la tête d’une équipe.

  • Facturation : gérez vos devis et vos factures clients et fournisseurs, au même endroit. Anticipez la transition vers la facture électronique obligatoire avec notre outil 100 % conforme à la réforme dès son application.
  • Gestion des dépenses : gardez le contrôle sur vos dépenses d’équipe. Personnalisez les plafonds de paiement et les catégories de dépenses autorisées puis validez les demandes de vos collaborateurs en temps réel et en quelques clics.
  • Comptabilité : connectez votre compte à +80 outils partenaires et simplifiez la collaboration avec votre comptable en lui donnant un accès dédié pour récupérer les justificatifs en totale autonomie.

Suivez nos dernières actualités (LinkedIn, Instagram, YouTube, Medium).

En savoir plus


Contact info

4.8

Excellent

TrustScore 5 out of 5

43K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 93% of negative reviews

Typically replies within 1 week


Rated 5 out of 5 stars
Invited

Tres bien

Tres bien, rapide

11 October 2025
Qonto logo

Reply from Qonto

Bonjour Ziad,

Nous vous remercions pour votre retour d'expérience favorable et votre soutien ! 😊

Belle journée.

Rated 3 out of 5 stars

Qonto is an exceQonto Makes Business Banking Simplellent platform for…

Qonto is an excellent platform for managing business finances. The app is easy to use, fast, and reliable. Customer support is professional and very responsive. It really helps entrepreneurs save time. Only downside: phone support could improve. Overall, Qonto is highly recommended for small businesses!

11 October 2024
Unprompted review
Qonto logo

Reply from Qonto

Hello Nashera, thank you for your detailed feedback ! Based on your experience with Qonto, what do we need to do to reach 5 ⭐️? Also, would you be willing to share your feedback? You can write to Anne-Emmanuelle at careteam@qonto.com 🙏.
Have a great day ☀️! See you soon.

Rated 3 out of 5 stars

Makes sense for very small companies

Qonto makes sense for very small companies, from 1 to 10 people (TPE). It's especially great to incorporate in France.

When you go beyond/scale, you need proper currency, spending, treasury, or accounting management, at which point, you will find no real use case for Qonto; you will discover that it does everything worse than the specialized alternatives. So eventually, you migrate away.

When it comes to execution, it's B-tier. Examples of issues:
- Google SSO doesn't work on Android.
- They remove features from plans without grandfathering (like everyone else do, e.g. manager role). They don't communicate about removing features either; you discover it by luck.
- When you change a plan mid-your annual engagement, they remove your access to the plan, without waiting for the end of the engagement (e.g., Business -> Essential).
- Only support EUR currencies.

If you want A-tier execution, check: Wise, Pennylane, Brex, Zip.

4 October 2025
Unprompted review
Qonto logo

Reply from Qonto

Hi, and thank you for taking the time to share such a detailed review.
We’re glad to hear that Qonto has been helpful for your business at its early stages, particularly during the incorporation process in France. At the same time, we’re sorry to read that your experience didn’t fully meet your expectations as your company grew.

Your feedback regarding multi-currency support, spending and treasury management, and certain technical limitations is extremely valuable to us. We’re constantly working to improve the platform and adapt our services to the evolving needs of businesses, both small and scaling.

We apologize for any inconvenience caused by feature changes or plan adjustments, and we take your comments on communication and transparency very seriously. We understand how important it is for you to have a reliable partner as your business grows, and we’re committed to making Qonto better every day.

We would love to discuss your experience in more detail and assist you regarding some issues you’ve mentioned.

Thank you again for your honest feedback

Rated 5 out of 5 stars
Invited

Proactive call to guide me smoothly…

Proactive call to guide me smoothly through the process.
Very helpful and polite associate.
Great customer service all around!

2 October 2025
Qonto logo

Reply from Qonto

Hello,

Thank you for taking the time to share your experience with us. 🤗

Please don't hesitate to contact us if you have any questions regarding the usage of your Qonto account.

Have a great day!

Rated 1 out of 5 stars

The worst costumer experience I had with digital products

I attempted to open a business account with Qonto in September 2025, and it turned out to be the worst customer experience I’ve had with any digital product so far. The process was so poor that I felt compelled to tell them directly how disrespectful it was.

Qonto may argue that, as a financial institution, it must comply with strict regulations. However, other providers face the same scrutiny—Vivid Money, for example, managed to complete the entire process in 24 hours, while Qonto failed to do so in over two weeks.

What frustrated me most was that Qonto initiated the KYC process only after I had already made my first deposit. As a result, I couldn’t access a statement—the very document I needed to provide to the notary in order to move forward with my company’s registration.

On top of that, their communication was careless and repetitive. They repeatedly asked the same basic questions—“Who is your supplier for these products?” and “Which products do you intend to offer?”—three times in total. After the second round, I even reminded them that I had already answered, asked them to respect our time, and provided additional context, including examples of competitors’ products and supplier websites. Yet two days later, they sent the exact same questions again, as if nothing had happened.

At that point, I asked them to cancel the process and return the deposit. The entire experience was a complete waste of time.

15 September 2025
Unprompted review
Qonto logo

Reply from Qonto

Dear Bruno,

Thank you very much for your honest and detailed feedback.

I am truly sorry that your experience with Qonto did not meet your expectations, particularly regarding our communication and the overall process.

After thoroughly reviewing your case and the documentation you provided, we unfortunately have to inform you that we are unable to support the opening of a business account for your company due to compliance reasons.

We sincerely apologise for any frustration and inconvenience caused by our communication and for the time you have lost during this process.

Your feedback is extremely valuable to us, and we will use it to further improve our procedures and customer communication.

Thank you again for taking the time to share your experience with us.

Kind regards,
Vladimir

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