# Pricing transcribed from the provider's own page — see provenance. Numbers are quoted, not derived.
generated: '2026-09-20'
method: searched
source: https://qonto.com/en/pricing
sources:
- https://qonto.com/en/pricing
provenance:
  tool: planning/api-economics/harvest_pricing.py
  run: 20260920T120546
  grounding: every price_text was found verbatim in the fetched page text
audience: business-product
pricing_basis: tiered-subscription
delivery:
  delivery: managed
  method: page
  read: '2026-09-20'
  managed_tier: Basic
published: true
note: Business banking pricing page with tiered monthly subscriptions plus transaction-based fees (SEPA
  transfers, direct debits, FX 0.56%-1.8%, card acceptance 0.7%/2.6%) and paid add-ons. API integrations
  mentioned as a feature, not separately priced.
plan_count: 10
currency: EUR
plans:
- name: Basic
  price_text: €9 /month (excl. VAT)*
  price: 9
  currency: EUR
  period: month
  unit: account
  included_quota: Business account with local IBAN, 30 transfers /month, 1 physical payment card + 2 virtual
    cards, payment links, Tap to Pay & POS, e-invoicing, 24/7 support, Qonto AI agent & Claude MCP
  overage: Then €0.20 per additional transaction; virtual cards then €2/month per additional card
- name: Smart
  price_text: €19 /month (excl. VAT)*
  price: 19
  currency: EUR
  period: month
  unit: account
  included_quota: 1 sub-account, 100 transfers /month, 2 physical + 50 virtual cards, cash-flow forecasting,
    accountant access; 5% AER for 2 months then 1.5% AER
  overage: Then €0.20 per additional transaction; €1/month per additional virtual card
- name: Premium
  price_text: €39 /month (excl. VAT)*
  price: 39
  currency: EUR
  period: month
  unit: account
  included_quota: 4 sub-accounts, 200 transfers /month, 2 physical + 50 virtual + 50 Instant cards, FX
    0.56%, priority support
  overage: Then €0.10 per additional transaction
- name: Essential
  price_text: €49 /month (excl. VAT)*
  price: 49
  currency: EUR
  period: month
  unit: account
  included_quota: 250 transfers /month, 5 physical + 50 virtual cards, unlimited team members, 9 sub-accounts
  overage: Then €0.15 per additional transaction; €1/month per additional virtual card; €5 per month per
    extra user
- name: Business
  price_text: €109 /month (excl. VAT)*
  price: 109
  currency: EUR
  period: month
  unit: account
  included_quota: 500 transfers /month, 10 physical + unlimited virtual cards, 29 sub-accounts, dedicated
    support, EBICS
  overage: Then €0.15 per additional transaction
- name: Enterprise
  price_text: €199 /month (excl. VAT)*
  price: 199
  currency: EUR
  period: month
  unit: account
  included_quota: 10,000 transfers /month, 30 physical + unlimited virtual cards, up to 99 sub-accounts
  overage: Then €0.10 per additional transaction
- name: Invoice Automation (add-on)
  price_text: €12 /month (excl. VAT)
  price: 12
  currency: EUR
  period: month
  unit: add-on
  included_quota: Billed annually at €144
- name: Project Tracking (add-on)
  price_text: €20 /month (excl. VAT)
  price: 20
  currency: EUR
  period: month
  unit: add-on
  included_quota: Billed annually at €240
- name: Team Spend Controls (add-on)
  price_text: €39 /month (excl. VAT)
  price: 39
  currency: EUR
  period: month
  unit: add-on
  included_quota: Billed annually at €468
- name: Custom plan
  price_text: Contact us
  period: none
  included_quota: Build a custom plan with your own limits and tools
rate_limit_statements:
- 30 transfers /month
- 100 transfers /month
- 200 transfers /month
- 250 transfers /month
- 500 transfers /month
- 10,000 transfers /month
- 'Unlimited: a fair usage policy applies.'