Qonto

Qonto is a French finance management company serving small and medium-sized businesses, freelancers, and entrepreneurs. Founded in France in 2017 by Alexandre Prot and Steve Anavi, the company was created to offer business owners financial tools designed around the practical demands of running a company. Qonto is headquartered in Paris and says it operates across eight European markets.

The company’s core offering combines a business account with tools for managing routine business finances. Customers can make SEPA and international transfers, use virtual and physical Mastercard debit or credit cards, and manage payment workflows. Qonto also offers ways for businesses to receive payments, including invoicing with payment links, Tap to Pay, and point-of-sale terminals. Product availability and features may vary by market and plan.

Beyond accounts and payments, Qonto provides tools for invoicing, bookkeeping, and spending management. Its platform supports expense workflows and connections to more than 2,000 external tools and accounts, according to the company. Qonto describes these services as a way to bring business financial tasks together and reduce administrative effort for its customers.

Qonto also supports company creation in eligible markets. Its website describes services intended to guide entrepreneurs through the setup process, alongside account and finance-management features. The company’s stated audience includes SMEs and freelancers, with products presented for businesses at different stages, from company formation to managing a growing team.

The company identifies its mission as helping small businesses achieve more through financial tools built around how they work. Qonto says it was founded by business owners who had experienced cash-flow challenges and friction with traditional banking, and who sought to create a more transparent and efficient solution. Its products are offered through digital channels, with customer support available via chat, email, and phone.

Qonto is a regulated payment institution in France. The company states that Qonto SA is authorized by the French Autorité de Contrôle Prudentiel et de Résolution and that customer funds are safeguarded in accordance with applicable requirements. Its public company materials list Paris as its headquarters and describe a workforce distributed across several European locations. Qonto reports serving more than 750,000 SMEs and freelancers across its markets.

Qonto describes its working community as focused on customer experience and supporting entrepreneurs. Its public materials emphasize innovation, customer support, and a commitment to small businesses. These statements reflect the company’s published mission and values rather than a comprehensive account of its employment practices.