generated: '2026-07-17'
method: searched
probe: true
source: https://qonto.com/en/security
url: https://qonto.com/en/security
regulatory:
- statement: >-
    Qonto SA is a licensed payment institution authorized by the French Autorite
    de Controle Prudentiel et de Resolution (ACPR), registration number 16958,
    granted on 2018-06-21. The licence is EU-passported.
  regulator: ACPR (France)
  registrationNumber: '16958'
fundSafeguarding:
- Deposit protection up to EUR 100,000 per client via the Fonds de Garantie des Depots et de Resolution (FGDR).
- Remaining funds covered by stand-alone guarantees from Credit Agricole CIB and BNP Paribas.
securityFeatures:
- Strong Customer Authentication (SCA) on critical operations (PSD2).
- Verification of Payee (VoP) to confirm payee name matches bank account.
- AI-powered fraud detection (machine learning + GenAI agents).
- Device and session protection with adaptive monitoring.
- Virtual cards with automatic per-transaction number renewal.
certifications:
- GDPR
notes: >-
  As of the review date the public security page emphasizes regulatory status
  (ACPR payment institution), fund safeguarding (FGDR + bank guarantees), PSD2
  SCA, and GDPR/EU data protection. It does not publicly enumerate PCI DSS, ISO
  27001, or SOC 2 on this page; do not assert those without a primary source.
evidence:
- source: https://qonto.com/en/security
  keywords:
  - payment institution
  - ACPR
  - registration number 16958
  - Strong Customer Authentication
  - Verification of Payee
  - FGDR