Qonto - Business Finance App

Qonto: Your Business Banking Revolutionized - Accounts, Cards & Finance Control Unified

Staring at another midnight spreadsheet tangle, coffee cold beside my trembling calculator, I felt that familiar entrepreneurial dread - financial chaos consuming precious hours. Then came Qonto. It wasn't just another banking app; it became my fiscal spinal cord. From freelance gigs to managing my growing team, this transformed how I breathe business finance. For every SME owner drowning in admin, here's your lifeline.

Local IBAN Creation

When my Spanish supplier refused payment without local IBAN, panic set in. Traditional banks demanded weeks. With Qonto? Creating a Spanish IBAN took three taps during my morning commute. The relief was visceral - like unlocking a secret borderless economy. Now I operate across Europe without currency conversion headaches.

Intelligent Payment Cards

That moment in Lisbon when our team cards hit €150k monthly spend? Zero frozen transactions. No frantic bank calls. Just seamless POS approvals while tasting port wine. The €200k monthly ceiling feels like flying first-class - expansive yet controlled. Digital receipts auto-capture even for taxi rides, saving me 14 receipt-hunting hours monthly.

Real-Time Payment Flow

Mid-crisis when a German client delayed payment, instant SEPA transfers saved our payroll. Watching funds land before lunch, notifications buzzing like financial guardian angels - that's when I stopped carrying emergency cash reserves. SWIFT options handle overseas contractors smoother than my accounting diploma ever could.

Automated Invoice Healing

Remembering unpaid invoices used to haunt my Sundays. Now Qonto's tracker nudges clients automatically. When payment clears, the soft chime feels like a mini-standup ovation. Outgoing payments auto-execute too - no more late fee stomach knots during vacations.

Team Spend Governance

Delegating without losing control? Game-changer. Setting my designer's card limit to €500 while granting my COO €50k access took seconds. Seeing real-time department spend heatmaps during board meetings - that's power. Receipts auto-sync when team members snap coffee receipts, erasing expense report Mondays.

Accountant Harmony

My accountant's relieved sigh during tax season said it all. Granting her view-only access felt like opening a financial observatory. No more emailing spreadsheets - just live cash flow visuals. Our quarterly reviews now take 20 minutes, not half-days.

Picture Madrid at 8pm: sunset over Plaza Mayor. My phone buzzes - suspicious card activity alert. One tap declines a fraudulent €2k transaction. Heart rate normalizes before my sangria arrives. Or Tuesday 6am in my home office: approving supplier payments while brewing espresso. The interface guides me like a copilot - intuitive yet profoundly capable.

The brilliance? Launching faster than my email app when urgency strikes. Support responds Sundays when banks sleep - a literal business lifesaver. Clear pricing means no statement surprises. But I crave more currency options for global scaling. Occasionally desire deeper analytics for seasonal forecasting. Minor gripes against monumental gains.

Perfect for growth-focused founders valuing time over tradition. If financial admin feels like chains, Qonto is your bolt-cutter. After eighteen months, my business runs smoother, sleeps deeper, and dreams bigger. That midnight spreadsheet dread? Now just a fading nightmare.