Avis sur Qonto

Qu’est-ce que Qonto ?

Qonto est une “néobanque” construite pour l’ère numérique, opérant exclusivement en ligne sans aucune agence physique. Cette approche numérique se traduit par des économies de coûts et des capacités de gestion financière efficaces. Fondée en 2017 en France, Qonto a rapidement gagné du terrain sur le marché des entreprises, servant plus de 150 000 clients professionnels dans le monde.

L’un de ses accomplissements notables fut l’obtention d’une approbation réglementaire de l’Autorité de Contrôle Prudentiel française en 2018, garantissant la sécurité des fonds des utilisateurs. Que vous recherchiez un partenaire bancaire pour une collaboration transparente avec des freelances et des contractuels dans le paysage numérique ou que vous visiez à désencombrer vos états financiers, Qonto se présente comme un choix convaincant. Cet innovateur bancaire français est prêt à avoir un impact significatif dans le secteur financier.

Fonctionnalités du Compte Professionnel

Au cœur de l’offre de Qonto se trouvent ses comptes professionnels tout-en-un. Ces comptes courants éliminent les préoccupations concernant les taux d’intérêt et sont accompagnés d’une gamme de fonctionnalités, incluant :

• Accès facile aux numéros IBAN locaux pour le travail en freelance.
• Cartes Mastercard et méthodes de paiement supplémentaires.
• Historique des transactions en temps réel et illimité.
• Structure de frais transparente sans charges cachées.
• Supervision réglementaire par l’ACPR.
• Une plateforme 100% en ligne qui minimise les frais.
• Approbations de virements simplifiées.
• Options de compte flexibles, sans engagement.

En plus de ces fonctionnalités principales, les comptes professionnels de Qonto offrent des capacités comptables robustes. Les utilisateurs peuvent numériser les reçus et exploiter un calculateur automatisé pour les calculs de TVA en scannant simplement un reçu. Qonto facilite également la communication avec les comptables et s’intègre parfaitement avec les applications comptables existantes.

De plus, les entreprises peuvent commander des cartes MasterCard pour les membres de l’équipe, générer des rapports de transactions et de dépenses, et définir des limites de transaction pour toutes les cartes. Pour les détenteurs de comptes professionnels existants, le passage à Qonto est un processus simple avec des conseils d’experts à chaque étape.

Création d’Entreprise et Services

L’ensemble de fonctionnalités unique de Qonto inclut des services de création d’entreprise, permettant aux utilisateurs d’établir un écosystème complet de comptes financiers pour toute leur équipe. Le processus est convivial, permettant la configuration rapide de comptes d’actionnaires, personnels ou d’entreprise pour les membres de l’équipe.

Qonto facilite la mise en commun du capital de divers membres de l’équipe et rationalise l’enregistrement de l’entreprise auprès des autorités pertinentes. La tarification est transparente, avec des options comme l’abonnement de 12 mois, qui coûte environ 139 euros la première année.

Les services de Qonto s’étendent au-delà des comptes professionnels standard, englobant diverses options de cartes physiques et virtuelles pour les membres de l’équipe. Les utilisateurs peuvent personnaliser les limites de cartes et accéder à des fonctionnalités supplémentaires telles que les retraits d’espèces et l’assurance.

Les services supplémentaires de Qonto incluent :

• Money transfers: Facilitating secure transfers across Europe and globally, simplifying supplier and contractor payments.
• Payroll management: Streamlining payroll processing by integrating HR software data with Qonto accounts.
• SEPA direct debits: Enabling direct debit payments for taxes, contributions, and ongoing expenses.
• Check acceptance: Allowing businesses to accept checks as a form of payment.
• Digital payment options: Integration with Apple Pay and Google Pay, as well as access to payment terminals via Zettle.

Qonto Accounting

Accounting with Qonto is a straightforward and efficient process. Users can effortlessly upload digital and paper receipts and set up automations to track various costs. Qonto’s aim is to simplify bookkeeping by seamlessly connecting with existing tools used to manage essential accounts.

Users can match receipts to transactions by taking a photo, forward digital receipts to Qonto for automatic matching, and leverage the automated VAT calculation feature. Qonto takes the hassle out of transaction classification and management, even sending receipts and reminders to employees who haven’t submitted expense receipts promptly.

With approximately 80 integrations with different accounting tools, maintaining connections with accounting professionals is a breeze. Qonto’s “Connect” solution allows users to establish secure connections with partners like Stripe, Sellsy

, Tiime, Acasi, Sage, and more.

Qonto Financing and Savings

Qonto goes beyond traditional banking, offering options to borrow money for business needs. Partnering with a leading European lending platform, October, Qonto provides choices between classic and State-guaranteed loans. These loans are tailored to individual needs and can reach up to 30,000 euros.

The application process is straightforward, with a quick decision-making system based on past transaction history. Typically, funds are disbursed within four days. To be eligible, users should meet specific criteria, including having an account with Qonto for over 12 months, an annual turnover exceeding 100,000 euros in their Qonto account, a headquarters in mainland France, and no recent insolvency proceedings.

In addition to loans, Qonto offers savings accounts to help businesses grow their funds through flexible investments. Users can manage investments easily within their Qonto account, with options ranging from high-risk, high-yield investments to safer alternatives.

Available investment options include term deposits and securities accounts for participating in financial markets. These investments are secured and guaranteed by leading French authorities. Users can define the investment duration, with interest rates fixed for the entire period. Flexibility is key, as users can open multiple term deposit accounts for customized outcomes. Additionally, Qonto allows for cash withdrawals within 31 days of initiating a fixed-term deposit.

Qonto Pricing

Choosing the right financial solution can be challenging for startups and SMEs, especially when it comes to understanding associated fees. Qonto categorizes its pricing based on user profiles, including self-employed individuals, SMEs/startups, and business creators.

For self-employed users, Qonto offers three pricing tiers:

1. Basic: Priced at 9 euros per month, it includes 30 SEPA transfers and direct debits, 7-day support, and one membership with a business card.

2. Smart: Priced at 19 euros per month, it includes all Basic features, plus accountant access, 2 cashed checks, 60 SEPA transfers and direct debits, digital receipts, VAT auto-detection, multiple accounts, and bank transfers.

3. Premium: Priced at 39 euros per month, it includes all Smart features, along with 100 SEPA transfers and direct debits, 5 checks, and priority customer support.

All plans provide access to the iOS and Android mobile apps to facilitate expense management tracking.

For SMEs and startups, Qonto offers the following pricing options:

1. Essential: Priced at 29 euros per month, it covers 2 members, 100 SEPA transfers, 3 cashed checks, 5 accounts with unique IBANs, a bookkeeping pack, role management, and access control.

2. Business: Priced at 99 euros per month, it includes all Essential features for 5 members, 100 SEPA transfers, 10 accounts with individual IBANs, 10 cashed checks, advanced role management, and team expense tools.

3. Enterprise: Priced at 249 euros per month, it offers all Business features for 10 members, 1000 SEPA transfers, 15 cashed checks, unlimited accounts with individual IBANs, a bookkeeping pack, and advanced role management.

For business creators, Qonto provides the following pricing plans:

1. Basic Pack: Priced at 149 euros per month, it includes 1 user and 1 business MasterCard, 30 SEPA transfers, and capital deposit within 72 hours.

2. Smart Pack: Priced at 249 euros per month, it offers 1 user and 1 business MasterCard, 60 SEPA transfers, 2 cashed checks, bulk transfers, and advanced accounting.

3. Essential Pack: Priced at 349 euros per month, it encompasses all Smart features for 2 users with 2 business MasterCards, role management and access, and advanced accounting.

Qonto Review: Verdict

Compared to traditional banks, Qonto emerges as a flexible and API-friendly financial institution with regulatory oversight. Its exceptional mobile banking capabilities, expense tracking notifications, and user permissions make it a compelling choice for businesses.

While currently available in select countries including France, Spain, Italy, and Germany, user reviews attest to Qonto’s effectiveness and advantages. In a landscape where alternative banking solutions are on the rise, Qonto stands out as a powerful digital bank, offering much more than standard banking features.

If you seek a payment institution that transcends traditional banking, Qonto could be the revolutionary solution you’ve been searching for.