specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Qonto
providerId: qonto
created: '2026-07-17'
modified: '2026-07-17'
reconciled: true
tags:
- Business Banking
- Fintech
- Payments
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Qonto spend. Qonto bills a fixed monthly subscription per business
  account (Basic/Smart/Premium for solo; Essential/Business/Enterprise for teams),
  priced in EUR excluding VAT. On top of the subscription, usage-based fees can
  apply to actions beyond plan allowances - additional SEPA transfers, extra
  physical/virtual cards, instant transfers, cash deposits, and international/FX
  transfers (with an exchange-rate margin). The API itself is not separately
  metered; it is included with the plan.
notes: >-
  Subscription prices confirmed from the Qonto pricing page 2026-07-17. Per-action
  fees and allowances vary by plan and country market; reconcile against the live
  pricing page.
sources:
- https://qonto.com/en/pricing
- https://docs.qonto.com/get-started/business-api/overview
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: Qonto
serviceCategory: Financial Services
billingModel:
  pricingCategory: Subscription-Based
  billingFrequency: Monthly
  billingCurrency: EUR
  chargeCategories:
  - Usage
  - Purchase
  - Tax
focusColumns:
  ServiceName: Qonto Business Account
  ServiceCategory: Financial Services
  ProviderName: Qonto
  PublisherName: Qonto
  InvoiceIssuerName: Qonto SA
  BillingCurrency: EUR
  ChargeCategory: Purchase
  PricingCategory: Subscription-Based
meters:
- name: monthly_subscription
  description: Fixed monthly plan fee per business account, in EUR excl. VAT.
  unit: months
  aggregation: sum
  dimensions:
  - organization
  - plan
- name: additional_sepa_transfers
  description: SEPA transfers beyond the plan's monthly included allowance.
  unit: transfers
  aggregation: sum
  dimensions:
  - organization
  - bank_account
- name: instant_transfers
  description: SEPA instant transfers, which may carry a per-transfer fee.
  unit: transfers
  aggregation: sum
  dimensions:
  - organization
- name: international_transfers
  description: Non-EUR / cross-border transfers billed with an FX exchange-rate margin.
  unit: transfers
  aggregation: sum
  dimensions:
  - organization
  - currency
- name: additional_cards
  description: Extra physical or virtual cards beyond the plan allowance.
  unit: cards
  aggregation: sum
  dimensions:
  - organization
  - card_type
- name: cash_deposits
  description: Cash deposit operations, billed per deposit / as a percentage.
  unit: deposits
  aggregation: sum
  dimensions:
  - organization
principles:
- name: Visibility
  description: Track subscription tier plus per-action fees; export statements via the Statements API.
- name: Allocation
  description: Tag transactions with labels and teams; assign cash flow categories for cost-center mapping.
- name: Optimization
  description: >-
    Right-size the plan to transfer/card volume; batch payouts with bulk transfers;
    prefer SEPA over international/FX where possible; use webhooks instead of polling
    to stay within per-IP rate limits.
- name: Accountability
  description: Assign an owner per organization/API app; review monthly subscription + usage fees against budget.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com