Qonto is a business account for freelancers and SMEs: banking, cards, quotes, invoices and cash flow tracking in one app. Plans range from €9 to €199 per month excl. VAT billed annually, with a one-month trial. All include its AI agent and a Claude MCP connection.
Qonto brings a small company's bank account, cards, quotes and invoices together in one app. We issue our own quotes in Qonto, which avoids re-entering amounts between the invoicing tool and the bank. For a B2B agency or SME, the real questions are which plan to pick and how it handles e-invoicing.
Qonto is a French business account provider for freelancers, SMEs and their teams. The company reports more than 750,000 business customers and a 4.7 rating on Trustpilot (Qonto pricing page).
Qonto offers three plans for freelancers and three for teams. Prices below are monthly equivalents excl. VAT on annual billing, taken from the official pricing page on October 23, 2026. Monthly billing is also available.
| Plan | Price per month excl. VAT | For | Highlights |
|---|---|---|---|
| Basic | €9 | Freelancer | 30 transfers, 1 physical card, unlimited quotes and invoices |
| Smart | €19 | Freelancer | 100 transfers, 1 sub-account, accountant access, cash flow forecasts |
| Premium | €39 | Freelancer | 200 transfers, 4 sub-accounts, priority support, 0.56% FX |
| Essential | €49 | Small team | 250 transfers, 5 physical cards, unlimited members, expense reports |
| Business | €109 | Growing team | 500 transfers, 10 physical cards, accounting sync, dedicated support |
| Enterprise | €199 | Large team | 10,000 transfers, 30 physical cards, up to 99 sub-accounts |
Two add-ons suit service businesses: invoice follow-up automation at €12 per month excl. VAT, and project tracking at €20 per month excl. VAT, which gives each client a space to find their quotes and invoices.
Since September 1, 2026, every French company must be able to receive electronic invoices. SMEs and micro-businesses will have to issue them from September 1, 2027 (French Ministry of the Economy). Qonto includes compliant e-invoicing in all its plans. An agency that already issues its quotes in Qonto gets ready for the 2027 deadline without changing tools.
All plans include Qonto's AI agent and a Claude MCP connection. An assistant can then read transactions, draft a quote or find an unpaid invoice from a simple request. We cover this kind of setup in our article on Claude and MCP automations.
To track sales upstream, Qonto pairs well with a CRM such as Attio. For recurring online payments, Stripe remains the better fit.
Qonto covers most of the financial needs of an agency or service SME, from quote to payment. Its app remains one of the clearest on the market. Its brand design is often cited, as we mention in our ranking of the best branding agencies, and we analyzed its first screen in our article on SaaS landing pages.
Our AI and automation team connects these tools to cut down on admin re-entry.
From €9 to €199 per month excl. VAT on annual billing, depending on the plan. Each plan comes with a one-month free trial.
Yes. Quotes and invoices are unlimited on all plans, with custom templates and payment tracking.
Yes. Qonto lists compliant e-invoicing on all its plans, ahead of the September 1, 2027 issuing deadline for French SMEs.
Yes. Qonto offers an MCP server that connects the account to Claude, included in all plans.
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