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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
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2-star
1-star

Replied to 93% of negative reviews

Typically replies within 1 week


Rated 5 out of 5 stars
Invited

Recommendation

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 its people, and I so would recommend Qonto to anyone who needs a business account.

1 October 2025
Rated 1 out of 5 stars

Appalling Experience – Avoid Qonto at All Costs

Qonto has been an absolute disaster for my business. After completing all the formalities, capital deposit, registration, and verification, they abruptly shut down my account without any explanation or warning.
Their customer service is non-existent. I reached out multiple times for clarity and support, only to be met with silence or vague, unhelpful responses. This is not just unprofessional - it’s reckless and damaging to businesses that rely on stability and trust from their financial partners.
Qonto markets itself as a modern solution for entrepreneurs, but in reality, it’s a ticking time bomb. I strongly advise others to steer clear. There are far more competent and transparent banking options available.

25 September 2025
Unprompted review
Qonto logo

Reply from Qonto

Dear Rudolf,
thank you for taking the time to share your feedback on Trustpilot. We sincerely apologize for the frustration you experienced during your application process.
I understand how disappointing it must have been to have your account application declined after completing the initial setup. As a regulated financial institution, we are required to conduct thorough compliance reviews for all applications, and unfortunately, we cannot always approve every request, regardless of the business legitimacy.
I can see from our records that our colleague Branislav provided you with a detailed explanation and even conducted a secondary review of your case at your request. While we cannot discuss specific reasons for compliance decisions publicly, please know that these decisions are never taken lightly and are based on strict regulatory requirements we must follow.
Regarding the refund of your capital deposit, this should have been processed within 48 hours as promised. If you experienced any delays with this, please contact us directly so we can investigate.
We genuinely appreciate businesses like yours and understand that our decision was disappointing. We wish you success with your BAODAO and Celleanser brands and hope you find a banking partner that better suits your needs.
If you have any further concerns about your experience, please feel free to reach out to us directly at support@qonto.com.
Best regards,

Rated 5 out of 5 stars
Invited

Fast, efficient and friendly!!

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 quickly on the online chat (with real people not chabot!) and they call you straight away to follow up (they actually do call you back when they say they will!)
So refreshing when comparing with my other "traditional" banks!

26 September 2025
Qonto logo

Reply from Qonto

Hello Chahid, thank you for your positive feedback and your support! 😊

Rated 1 out of 5 stars

It used to be amazing...

It used to be amazing...
But they started to put every useful feature behind paid modules... Even things that we had access to before, like graphs.

18 September 2025
Unprompted review
Qonto logo

Reply from Qonto

Hello Nox,
Thank you for sharing your feedback about the recent updates to our dashboard. We’re truly sorry to hear about your concerns. At Qonto, we take our clients’ opinions very seriously and would love to learn more about your experience.
Unfortunately, we haven’t been able to find your information in our client database. Could you please reach out to Anne-Emmanuelle at careteam@qonto.com so we can discuss this further and better assist you?
Thank you in advance!

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