Qonto - Business Finance App

I use a dumb phone but you need a smart phone to pair the device and approve payments so it can be a faff for me, but not many people use a dumb phone Apart from that, the best internet app I’ve ever used!

Super easy to set up. The free and unlimited virtual cards are absolutely brilliant. We use them with monthly spending limits as budgets for our departments. The tag function is very useful, lets us classify and then visualise our income according to different criteria, by property for example. The most insanely cool function is in supplier invoices though. We connected Qonto to our email, Drive and Amazon accounts and it automatically fetches all our invoices, lists them up neatly into unpaid and paid, highlights due dates in green, overdue in red, it’s heaven! It’ll then go on and match invoices to the right transaction, calculate VAT and send it all to your accountant. For us that’s an afternoon’s worth of work saved every week, it’s substantial. So the big let down is that these amazing integrations are not available for client invoices, unless we use their inbuilt tool. We cannot move our complex billing away from other softwares, so we have to manually attach each of our bills in each transaction in the app. No automatic matching, no neat lists in green and red, showing who’s paid and who hasn’t. It’s so sad.

Qonto is fantastic. Not only is the system seamless, feedback is actually considered by developers. Their team are always on hand to support and I’ve never had to wait to get in touch with anyone. I’d highly recommend this bank for anyone dealing with business in Spain.

All good, never ever a problem.

Excellent pour la création d entreprise !

incroyablement efficace

One of the best online banking app

After writing a very positive review for Qonto I have been seriously let down and found the whole process costly after my account which had been opened and cards received, plus payment details sent to clients for there first payments to be received by this account. I suddenly get told that my account has to be closed. No explanation why or the ability to explain after the whole vetting process and all documents accepted for the formation of the account , it has just been cancelled. No trading occurred. They just hold my deposits and set up payments. Absolutely disgusting So no stars and no positive feeling for this misleading business bank!

Horrible bank stolen money

Easy to use but it has terrible weaknesses too. I can’t find any easy contact information to reach out for help. Also, the widgets for iOS on my iPhone rarely show any information, requiring me to open the app to access the data. What’s the point of the app then if it shows no information and does not save any time? Disappointing really but functional enough until a competitor eats their lunch!