Qonto Reviews 

58,817
TrustScore 4.5 out of 5

4.7

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Rated 5 out of 5 stars

The best business bank you can use in Germany especially for a start up and capital deposit. the turn around is so fast and the team are great at helping you through it.

Company replied

Rated 5 out of 5 stars

I had the pleasure to be in contact with M Khalid. At first, I had some meetings and I wasn't to availabe, but he was kind to understand and we fixed a call. He explained me the new processus "factu... See more

Rated 5 out of 5 stars

had a great experience with this company last week. The website is clean and easy to use. I contacted customer service and they replied very quickly. The delivery was on time and the product quality e... See more

Company replied

Rated 5 out of 5 stars

Anna was incredibly helpful and even sent me an email to confirm that everything had been sorted out. Excellent service from start to finish!

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

4.7

Excellent

TrustScore 4.5 out of 5

59K reviews

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4.7

All reviews

(58,817)

18,142 reviews in the last 12 months

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Rated 1 out of 5 stars

Terrible experience for a business

Absolutely terrible experience with Qonto.

My business account was suspended on Wednesday. I immediately provided all documentation requested from me and asked for an urgent resolution. Since then, the support team has effectively gone silent.

What makes the situation even worse is that Qonto’s support is practically impossible to reach. My repeated attempts to connect with a human agent are simply shut down because the system recognises that there is already an “existing case.” So while my business account remains blocked, I am also prevented from meaningfully escalating the issue or speaking to someone who can actually help.

Meanwhile, my business operations are effectively frozen. My card is blocked, I cannot pay suppliers or normal business expenses, and Meta has now stopped my advertising campaigns because the payments cannot be processed.

For a business, this is not a minor inconvenience. Stopping advertising can have serious consequences for visibility, lead generation, conversions and ultimately the customer experience. Every additional day this remains unresolved creates further financial and operational damage.

I also have still not received a clear explanation of the grounds on which my account was suspended, despite having provided the requested documentation.

I fully understand that financial institutions need to carry out compliance checks. What I do not understand is how a business banking provider can completely restrict a company’s ability to operate and then become practically unreachable when urgent support is needed.

For a service that positions itself as a business banking solution, this experience has been horrible. A business needs to be able to rely on its banking provider, especially when something goes wrong. Honestly appalling.

August 29, 2026
Unprompted review
Rated 1 out of 5 stars

The AI bot is stuck in a AI loop and…

The AI bot is stuck in a AI loop and getting human help is impossible. Support@qonto was asked to close the conversations and has failed to do so in going past 48 hours. Still waiting for help. Barney

August 25, 2026
Unprompted review
Qonto logo

Reply from Qonto

We are very sorry to read the issues you've encounter with our teams that were handling your request. An agent will contact you to solve this situation.

Rated 1 out of 5 stars

I've been very happy using Qonto until…

I've been very happy using Qonto until my account was suspended over a week ago and since then I've been trying to speak to someone with no luck. I haven't been told what document is missing, and what I can do to unblock it. That's not acceptable in my opinion.

August 26, 2026
Unprompted review
Rated 5 out of 5 stars

simple

simple, easy, reachable, helpful.

August 26, 2026
Qonto logo

Reply from Qonto

Hello Benoit,

Thank you for your positive feedback and for taking the time to share your experience with us. We're delighted that you found our service simple and helpful! 😊

Please don't hesitate to contact us if you have any questions regarding your account.

Have a great day!

Rated 5 out of 5 stars

responsive

good communication skills

August 20, 2026
Qonto logo

Reply from Qonto

Hello Jerôme, thank you for your support! We truly appreciate your feedback. 😊

Rated 5 out of 5 stars

The best business bank you can use in…

The best business bank you can use in Germany especially for a start up and capital deposit. the turn around is so fast and the team are great at helping you through it.

August 17, 2026
Unprompted review
Qonto logo

Reply from Qonto

Hello Darragh,

Thank you for your kind words and for taking the time to share your experience with us. We're thrilled that Qonto has been such a valuable partner for your startup journey in Germany! 😊

Please don't hesitate to contact us if you have any questions regarding your account.

Have a great day! ☀️

Rated 5 out of 5 stars

fast and good service

fast and good service

August 17, 2026
Qonto logo

Reply from Qonto

Hello Mehdi,

Thank you for your positive feedback and for taking the time to share your experience with us. We're delighted that you found our service fast and efficient! 😊

Please don't hesitate to contact us if you have any questions regarding your account.

Have a great day!

Rated 5 out of 5 stars

hgreat experience

had a great experience with this company last week. The website is clean and easy to use. I contacted customer service and they replied very quickly. The delivery was on time and the product quality exceeded my expectations. Everything was transparent and professional. I highly recommend this service to everyone.

August 11, 2026
Unprompted review
Qonto logo

Reply from Qonto

Hello Larbi,

Thank you for taking the time to share your experience with us. Please don't hesitate to contact us if you have any questions regarding the usage of your Qonto account.

Have a great day! ☀️

Rated 5 out of 5 stars

Very quick responses

Very quick responses. Simplicity. Thorough knowledge of the process

July 29, 2026
Qonto logo

Reply from Qonto

Hello Evan,

Thank you for taking the time to share your experience with us. We're delighted that our team could provide you with quick and thorough support! 😊

Please don't hesitate to contact us if you have any questions regarding your Qonto account.

Have a great day!

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