Qonto
A business account with invoicing, cards and bookkeeping, set up online.
About
A business banking and finance platform for founders and SMEs across Europe - business accounts, cards, invoicing and bookkeeping in one place. 100 € cash back after you spend your first 50 €.
Pros
- German IBAN with built-in invoicing, expense management and accounting exports
- Fully online setup - no branch visit
- Multiple physical and virtual cards plus team access on higher plans
Cons
- Limited cash handling - no cash deposits
- Cost climbs as you add users, cards and transaction volume
What it solves
Finance admin is scattered - a business account here, invoicing there, bookkeeping somewhere else. Qonto puts them together.
When not to use it
Skip it if you regularly deposit cash or need a traditional bank with branches.
