Qonto pricing in 2026
European business current account with cards, invoicing and expense management for SMEs. Every plan from Qonto's pricing page (checked 26 Oct 2026), what a team of 5, 10 or 25 would pay, the price in your currency and cheaper alternatives.
Starts at
$9.90a month
Basic for 10 people: $9.90 a month
Plans
Qonto plans and prices
3 plans with a public price, in US dollars.
Basic
Entry paid plan$118.80/ year
≈ $9.90 a month
- Local IBAN
- 30 transfers/month
- 1 physical + 2 virtual cards
Smart
$250.80/ year
≈ $20.90 a month
- 100 transfers/month
- 50 virtual cards
- Cash-flow forecasting
Premium
$514.80/ year
≈ $42.90 a month
- 4 sub-accounts
- 200 transfers/month
- Priority support
Self-employed plans €9/€19/€39 per month billed annually (€108/€228/€468) at ~1.10 USD/EUR, excl. VAT; monthly billing available. Team plans Essential €49/mo and Business €109/mo; Enterprise €199+/custom.
Prices from Qonto's pricing page, checked 26 Oct 2026. Prices are per plan, not per user. Taxes, seat minimums and promotions vary.
Team cost
What Qonto costs a team of 5, 10 or 25
Qonto is priced per plan, so the cost doesn't grow with the team.
| Plan | 5 people | 10 people | 25 people |
|---|---|---|---|
| Basic$9.90/mo | $9.90/mo$118.80/yr a year | $9.90/mo$118.80/yr a year | $9.90/mo$118.80/yr a year |
| Smart$20.90/mo | $20.90/mo$250.80/yr a year | $20.90/mo$250.80/yr a year | $20.90/mo$250.80/yr a year |
| Premium$42.90/mo | $42.90/mo$514.80/yr a year | $42.90/mo$514.80/yr a year | $42.90/mo$514.80/yr a year |
Before tax, at list price.
Local prices
Qonto in naira, shillings, cedis, rand, pounds and euros
Basic, the entry paid plan, converted from US dollars.
| Currency | A month | A year |
|---|---|---|
| NGNNigerian naira (NGN) | ₦13,210 | ₦158,515 |
| KESKenyan shilling (KES) | KSh1,286 | KSh15,429 |
| GHSGhanaian cedi (GHS) | GH₵115.06 | GH₵1,381 |
| ZARSouth African rand (ZAR) | R164.33 | R1,972 |
| GBPBritish pound (GBP) | £7.40 | £88.84 |
| EUREuro (EUR) | €8.83 | €105.99 |
Indicative only: converted at Surba's daily exchange rates from 26 Oct 2026 (₦1,334 = $1). Unless Qonto bills you in your own currency, your bank's rate and card fees decide what you're charged.
Alternatives
Cheaper alternatives to Qonto
Tools in Surba's catalog that cost a team of 10 less a month on their entry plan than Qonto's Basic.
inFaktFrom $2.48/mo10 people: $2.48 a month
MoneybirdFrom $3.48/mo10 people: $3.48 a month
FlowAccountFrom $6.03/mo · free plan10 people: $6.03 a month
CountingupFrom $6.50/mo10 people: $6.50 a month
PandleFrom $6.50/mo · free plan10 people: $6.50 a month
InstamojoFrom $6.63/mo · free plan10 people: $6.63 a month
Compare
Qonto compared
Plans and team costs side by side.
FAQ
Qonto pricing questions
How much does Qonto cost?
Qonto's paid plans run from $9.90 to $42.90 a month according to Qonto's pricing page (checked 26 Oct 2026) (Basic $9.90, Smart $20.90 and Premium $42.90). Qonto is priced per plan rather than per user. Self-employed plans €9/€19/€39 per month billed annually (€108/€228/€468) at ~1.10 USD/EUR, excl. VAT; monthly billing available. Team plans Essential €49/mo and Business €109/mo; Enterprise €199+/custom.
Does Qonto have a free plan?
Not in Surba's catalog. The cheapest listed plan is Basic at $9.90 a month.
How much does Qonto cost for a team of 10?
Qonto is priced per plan, so a team of 10 pays the same as a smaller one: $9.90 a month ($118.80 a year) on Basic.
How much is Qonto in naira?
At an indicative rate of ₦1,334 per $1 (26 Oct 2026), Basic at $9.90 is about ₦13,210 a month. Your bank's exchange rate and card fees decide the final charge.
What are cheaper alternatives to Qonto?
In Surba's catalog, inFakt ($2.48/mo), Moneybird ($3.48/mo) and FlowAccount ($6.03/mo) cost less for a team of 10 on their entry plans. Compare features before you switch: the cheapest plan isn't always the closest match.
Finance
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