The business account that simplifies your everyday finances

A business bank account separates an individual's personal assets from their company finances. The account typically comes with standard banking services, including cards, insurance, bank details (RIB/IBAN), bank statements, and more. With a merchant business account, a company can carry out all its required financial transactions — collecting payments and making wire transfers.

Some institutions offer additional services for business accounts, including electronic payment terminals (POS), international transfers, online banking, distance selling contracts, and other features. At Qonto, we also offer an affordable mobile payment terminal.

Many banks offer guidance to help companies open such an account. There are key criteria worth prioritizing: pricing terms — including account maintenance fees and standard banking fees — and the payment methods available, which can also indicate overall service quality.

With this type of account, entrepreneurs can appoint authorized representatives and co-holders to manage it — individuals who may be entirely separate from those handling their personal account. This separation is strongly recommended.

Qonto makes collecting receipts for business purchases and travel expenses straightforward. A quick photo of the receipt is all it takes to log the expense directly in your account.

You can also issue physical or virtual payment cards to give your team more independence. Worried about employees exceeding spending limits or making unauthorized purchases? Qonto lets you set precise card controls and spending caps.

Your team no longer has to fill out paper expense reports, and managers don't have to waste time reviewing them. Expenses are approved directly in the Qonto app, and employees get reimbursed instantly upon approval.

In short, Qonto is a business expense management solution that saves you time and money.

Yes. With Qonto, you reimburse out-of-pocket employee expenses in an average of two days. Here's how:

• Create read-only access for your team members;
• Set up an approval workflow that aligns with your internal policy;
• Approve the expenses submitted by your employees;
• Reimburse your team instantly.

As soon as you approve an expense, an instant transfer is sent straight to your employee's bank account.

Yes. Qonto lets you manage multiple accounts, teams, and approval levels — making it ideal for boutique agencies and large corporate groups alike.