Used For

• +**Chasing team members for receipts every month** → Automated expense matching and instant reimbursements through the app
• +**Visiting bank branches to set up accounts or get cards** → Everything online in 30 minutes, cards shipped to your door
• +**Manual invoice creation eating up billable hours** → Built-in invoicing tools that actually work for freelancers
• +Multiple IBANs for different projects - track marketing spend separately from operations without opening 5 bank accounts
• +Team spending controls that don't require a finance degree to configure

Best For

• >EU freelancers tired of traditional banks treating them like criminals
• >Small teams drowning in receipt chaos and expense reimbursements
• >Startups that need real business accounts but don't want enterprise banking complexity

Not For

• -Non-EU businesses — it's built for European regulations and you'll hit walls
• -Solo freelancers who just need basic banking — you're paying for team features you won't use
• -Companies wanting advanced automation — the tools connect to other apps but aren't magic

Pairs With

• *Stripe (to collect payments that automatically show up in your Qonto dashboard)
• *Slack (where your team gets notifications about expense approvals and spending limits)
• *Pennylane (for actual accounting since Qonto handles banking but you still need books)
• *Sage (if you're stuck with traditional accounting software that needs bank data)
• *Zettle (for point-of-sale payments that sync directly to your business account)
• *AXA (for business insurance that integrates with your banking setup)

The Catch

• !The API has quirky pagination that'll waste your developer's time if you're building custom integrations
• !Pricing starts reasonable but scales up fast if you need multiple cards and advanced features
• !Still requires the usual business verification paperwork — it's online but not instant

Bottom Line

Finally, a business bank account you can set up without taking a day off work.