Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Qonto_AT review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Qonto suits business account holders who want a single card for everyday spending and short term credit, with an annual fee of €0 on the card. The account adds a monthly fee of €9 and a currency conversion charge of 2%.

Key facts

Best for
A business account with a free card, virtual cards and multi currency spending
Annual fee
€0↗
APR
17.5%↗
Currency conversion fee
2%↗
Rewards type
None↗
Perks
Card insurance included (travel, business purchases, fraud), Deferred debit option on Plus and X Cards at no extra cost, Account remuneration 5% AER for 2 months then 1.5% (Smart and Premium plans), Apple Pay and Google Pay compatible, 24/7 support in France, 7 days a week elsewhere↗
Card kind
Credit↗
Legal entity
QONTO↗
Headquarters
France↗
Founded
2017↗
Support channels
Chat, Email, Phone, Help-centre↗
Pricing model
No annual fee
Features
Multi-currency, Virtual card, Travel
Audience
Business
Official website
qonto.com

Debit cards

Monthly fee
€9↗
Free ATM withdrawals
€0↗
Card type
Debit↗
Card network
Mastercard↗
Currencies
from 30↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaXTrustpilotLinkedIncapterra.com

Pros and cons

Pros

  • The card itself has an annual fee of €0.
  • Currency conversion costs 2%, and the account covers from 30 currencies.
  • Card insurance is included for travel, business purchases and fraud, plus a deferred debit option on Plus and X Cards.
  • Support runs on chat, email and phone, with round the clock cover in France.

Cons

  • The account charges a monthly fee of €9.
  • Nothing comes back on everyday spend, since the rewards type is none.
  • Cash machine use starts from a free allowance of €0.
Qonto_AT

Ready to try Qonto_AT?

Scored 8.8 / 10 by SumCue.

Visit

Who it suits

  • Business owners and sole traders who pay suppliers in several currencies.
  • Anyone who wants virtual cards and a Mastercard for travel spending.
  • Teams that want card insurance included and support across chat, email and phone.

Who should look elsewhere

  • Anyone after a personal rather than a business account: Qonto serves a business audience, while Starling Personal Account Debit Card is a personal account card with an annual fee of £0.
  • Borrowing customers who want a secured card: Varo Believe Secured Credit Card charges an annual fee of $0, and the Qonto overdraft rate is 17.5%.

The company behind it

The provider is QONTO, a company headquartered in France and founded in 2017. It is supervised by the ACPR, the French prudential and resolution authority, and appears in the French register under licence PSD_PI FR_ACPR!68677. Support runs on chat, email and phone, with round the clock cover in France and the rest of the week elsewhere.

How Qonto_AT compares

Where Qonto_AT is available

Available
Austria, Belgium, France, Germany, Italy, Netherlands, Portugal, Spain
Licence in France
ACPR (Autorite de Controle Prudentiel et de Resolution) (16958), checked September 26, 2026
Licence in France
FR_ACPR (PSD_PI FR_ACPR!68677), checked September 26, 2026, also valid in Austria, Belgium, Germany, Spain, France, Ireland, Italy, Luxembourg, Netherlands, Poland, Portugal

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the Qonto card cost to keep?+

The card itself has an annual fee of €0, on a no annual fee card model. The account around it costs a monthly fee of €9. Cash machine use comes with a free allowance of €0, so plan around that if staff withdraw often.

What rate applies if I use the overdraft?+

The overdraft is priced at an APR of 17.5%, which is the number to weigh if you expect to dip below your balance. That is above what most cards on this list charge, at 15.5%, so short dips cost less than carrying a balance for months.

How much does it cost to spend in another currency?+

Currency conversion is charged at 2%, on either card in the account. The account covers from 30 currencies, so holding balances in the currency you actually spend in cuts the number of conversions you pay for.

Who regulates Qonto, and what does that mean for the account?+

The provider is QONTO, headquartered in France and founded in 2017. Its banking licence is held with the ACPR in France, which supervises it under licence 16958. The account runs through a supervised French institution.

Does the Qonto card earn any rewards?+

No. The rewards type is none, so everyday spend gives nothing back. The value sits elsewhere: card insurance for travel, business purchases and fraud, a deferred debit option on Plus and X Cards, and Apple Pay and Google Pay compatibility.

What kind of card is it, and which network does it run on?+

Two cards sit in the account. The standard card is a debit card and there is also a credit card, both on the mastercard network. Virtual cards are listed as a feature, which suits staff who want a separate card for travel and online payments.

Can I take cash out, and is any of it free?+

The free ATM allowance on the card is €0, so treat cash machine withdrawals as something to pay for. A business account whose staff use ATMs at airports, sites or shops will feel that line far more than one that pays by card everywhere.

Who is the Qonto account built for?+

Business customers. The audience is business, so the card sits inside a company account rather than a personal one. Multi currency features, virtual cards and travel support all point the same way: a company paying suppliers and staff across several markets.

Sources

  • euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “EntityCode=FR_ACPR!68677; EntityType=PSD_PI; ENT_NAM=QONTO”

  • qonto.com/en/about checked September 26, 2026

    Backs: Founded

    “Made in France in 2017”

  • qonto.com/en/financing/overdraft checked September 26, 2026

    Backs: APR

    “Qonto business overdraft: The applied rate is 17.5% per year (legal usury rate)”

  • qonto.com/en/open-an-account checked September 26, 2026

    Backs: Audience

    “Open a business account online - for SMBs, startups, and freelancers”

  • qonto.com/en/payment-methods/card checked September 26, 2026

    Backs: Annual fee, Free ATM withdrawals, Card type, Features, Currency conversion fee, Pricing model, Card network, Perks, Rewards type

    “One Card : Free”

  • qonto.com/en/payment-methods/card/credit-card checked September 26, 2026

    Backs: Card kind

    “Qonto's business credit card lets you buy when you need to, and pay for it on the 1st of the following month”

  • qonto.com/en/pricing checked September 26, 2026

    Backs: Currencies, Monthly fee

    “Outgoing international transfers (non-standard currencies): Make international transfers in 30+ non-standard currencies, directly from your Qonto app. Powered by Wise”

  • qonto.com/en/referral checked September 26, 2026

    Backs: Support channels

    “Experts are on hand, 7 days a week - on chat, email, or phone”

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Qonto_AT

Qonto_AT

A business account with a free card, virtual cards and multi currency spending

8.8/10Visit