Qonto_AT review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Qonto suits sole traders and small companies that want a euro account with a Mastercard card and an annual fee of €0. The account itself costs €9 a month and overdraft borrowing runs at 17.5%, so the card only pays off if you use it.
Key facts
- Best for
- A euro business account with an annual card fee of €0 and a virtual card for online spend.
- Annual fee
- €0 (Source, checked September 26, 2026)
- APR
- 17.5% (Source, checked September 26, 2026)
- Currency conversion fee
- 2% (Source, checked September 26, 2026)
- Rewards type
- None (Source, checked September 26, 2026)
- 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 (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- QONTO (Source, checked September 26, 2026)
- Headquarters
- France (Source, checked September 26, 2026)
- Founded
- 2017 (Source, checked September 26, 2026)
- Support channels
- Chat, Email, Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Multi-currency, Virtual card, Travel
- Audience
- Business
- Official website
- qonto.com
Debit cards
- Monthly fee
- €9 (Source, checked September 26, 2026)
- Currency conversion fee
- 2% (Source, checked September 26, 2026)
- Free ATM withdrawals
- €0 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Currencies
- from 30 (Source, checked September 26, 2026)
- Legal entity
- QONTO (Source, checked September 26, 2026)
- Headquarters
- France (Source, checked September 26, 2026)
- Founded
- 2017 (Source, checked September 26, 2026)
- Support channels
- Chat, Email, Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Virtual card, Travel
- Audience
- Business
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Annual card fee of €0, and card insurance covers travel, business purchases and fraud.
- Multi-currency, virtual card and travel features come with the Mastercard.
- Deferred debit is available at no extra cost on Plus and X Cards.
- Support runs on chat, email and phone, with round the clock cover in France.
Cons
- The account charge of €9 a month sits above the site median €0.
- Conversion at 2% is above the site median 1%.
- Spend earns nothing back, with a rewards type of none.
Who it suits
- A sole trader or small company paying staff and suppliers from the same euro account.
- Businesses spending across from 30 currencies that keep a balance in each.
- Teams wanting a virtual card for subscriptions next to a physical Mastercard.
Who should look elsewhere
- Anyone after cashback on spend, since the rewards type here is none, so Chime Card (Secured Visa Credit Card) is worth a look.
- Anyone without a company behind the account, as Qonto is built for business customers and Wise serves personal money.
- Anyone building a credit record first, for whom Varo Believe Secured Credit Card is the secured option.
How Qonto_AT compares
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Qonto_AT vs eToro8.8 vs 9.2
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8.8 vs 9.0
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8.8 vs 8.8
Qonto_AT vs Wirex8.8 vs 9.6
Qonto_AT vs Current Build Card8.8 vs 9.4
8.8 vs 9.4
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 9.1
8.8 vs 8.8
8.8 vs 8.8- 8.8 vs 8.8
- 8.8 vs 8.8
8.8 vs 8.8- 8.8 vs 8.8
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.3
8.8 vs 8.2
8.8 vs 8.0
8.8 vs 8.0
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 a Qonto business account cost each month?+
The account itself is billed at €9 a month, while the card carries an annual fee of €0. Overdraft borrowing is charged at 17.5%, and currency conversion on the card costs 2%. Card spend itself adds nothing, so the running cost depends on borrowing and on how often you pay in another currency.
Who supervises Qonto in France?+
Qonto is supervised in France by ACPR (Autorite de Controle Prudentiel et de Resolution), recorded as 16958. The French register lists the same authority as PSD_PI FR_ACPR!68677, and France is the headquarters country. Both entries point to the same French body, so the account sits under a single named supervisor.
Is the card a debit card or a credit card?+
The card in the account is a debit card on the mastercard network, and a separate credit card is offered alongside it. Spending draws on the account balance before any overdraft is used, and the overdraft is charged at 17.5%, so the cards behave very differently in practice.
Can I withdraw cash at ATMs for nothing?+
The free ATM allowance stands at €0, so cash machine withdrawals are charged rather than included with the account. For a business that mostly spends on cards, the travel and multi-currency features carry more weight, and card insurance covers travel, business purchases and fraud alongside the virtual card option.
Does spending on a Qonto card earn anything?+
The rewards type is none, so there is no cashback or points scheme attached to the card. What sits alongside it is card insurance for travel, business purchases and fraud, plus account remuneration on the Smart and Premium plans, which pays on the balance held rather than on what you spend.
Who is a Qonto account built for?+
Qonto is built for business customers, so the account and its card are aimed at companies rather than personal money. That shapes the pricing, with a monthly charge of €9 on top of an annual card fee of €0, and the card insurance is written for business purchases as well as travel.
Can I get a virtual card for subscriptions and travel?+
The account lists multi currency, virtual card and travel, so a virtual card sits alongside the physical Mastercard for online subscriptions and staff bookings. from 30 currencies are covered, which helps on trips, and deferred debit comes at no extra cost on Plus and X Cards with Apple Pay and Google Pay supported.
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.
Related by the facts
Qonto_AT
A euro business account with an annual card fee of €0 and a virtual card for online spend.