Fast online setup
Open your account and get your IBAN in minutes — no branch visits, no paperwork pile-up.
Business banking review
My Qonto Experience: How I Simplified Business Banking and Claimed a Promo Code Bonus
Discover how Qonto, a leading digital business bank, transformed my day-to-day finances — faster transactions, smarter expense tracking, and tools built for freelancers, startups and SMEs. Sign up as a new customer with a Qonto promo code (referral code) and unlock a welcome bonus while you explore it.
Qonto sign-up bonus
France 🇫🇷up to €280
Germany 🇩🇪 / Spain 🇪🇸 / Portugal 🇵🇹up to €100
Italy · NL · BE · AT · EU 🇪🇺up to €80
Top bonus€280
Bonus depends on your country — updated & verified 2026
Codes checked:
Best for freelancers, startups & SMEs
More than a bank — a full digital business banking platform
Qonto simplified my workflow and saved hours every week. Here's what makes the platform itself worth using, promo code or not.
Centralized invoicing & expenses
Payments, invoices and receipts live in one dashboard instead of scattered across apps.
Team collaboration
Share secure access with employees or collaborators, with permissions you control.
Accounting integrations
Connect with QuickBooks, Xero or Sage and keep bookkeeping running smoothly.
Qonto promo code
Get up to €280 with your Qonto sign-up bonus
Qonto is a digital business account for freelancers, startups and small businesses across Europe. The sign-up bonus depends on your country — here's how to unlock it.
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Open a Qonto account
Click through to start your application — your promo code is applied automatically, and you choose your country.
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Use your card & spend €50 within 60 days
Complete the online setup, get your IBAN in minutes, then use your Qonto card to reach €50 in spending.
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Receive your bonus
Once the requirements are met, your bonus is paid out — up to €280 depending on your country.
Qonto — my experience
Why I recommend Qonto for business banking
Simplified financial management
One dashboard for all transactions, invoices and expenses — no more switching between five tabs.
Time-saving expense tracking
Automatic receipt collection and categorization means my bookkeeping practically does itself.
Transparent international payments
No hidden fees on cross-border transfers — the amount I see is the amount that arrives.
Reliable customer support
A dedicated team has been available every time I actually needed help.
Top Qonto features
Digital banking built for small businesses
Real-time expense tracking
Automated receipt collection keeps every purchase categorized as it happens.
Invoicing & reminders
Create, send, and automatically follow up on invoices without chasing clients manually.
Fast international transfers
Send money across borders quickly, with no hidden fees eating into the total.
Physical & virtual cards
Issue cards for team members and personal use, each with its own spending controls.
Security
Safe and reliable business banking
Your business finances are protected without getting in the way of everyday use.
Biometric login
Sign in with fingerprint or face recognition instead of typing passwords on the go.
Device binding & 3D-Secure
Every card payment is verified, so a lost card number alone can't be misused.
Instant push notifications
Get notified the moment a transaction happens — no surprises at month-end.
Multi-user permissions
Give teammates exactly the access they need — nothing more, nothing less.
Why Qonto stands out for SMEs
Multiple IBANs, transparent pricing, and support that actually responds
Qonto offers multiple accounts and IBANs for easy project tracking, integrates with popular accounting software, and keeps pricing transparent with no hidden fees. Sign up with a Qonto promo code to claim your bonus and explore it firsthand.
Get your Qonto bonus now →FAQ
Common questions about the Qonto bonus
How much is the Qonto sign-up bonus?
Using a Qonto promo code, you can earn a welcome bonus (sign-up credit) of up to €280, depending on your country: up to €280 in France, around €100 in Germany, Spain and Portugal, and around €80 in Italy, the Netherlands, Belgium, Austria and other EU countries. The bonus is paid after you spend €50 with your Qonto card within 60 days.
Who is Qonto business banking for?
Qonto is built for freelancers, startups and SMEs that need fast account setup, centralized invoicing and expense tracking, team collaboration, and integrations with accounting software like QuickBooks, Xero or Sage.
In which countries is the Qonto promo code available?
The sign-up bonus is available across Europe, including France, Germany, Spain, Italy, the Netherlands, Belgium, Austria and Portugal — with France currently offering the highest bonus at up to €280.
