Reseña de Qonto 2026: ¿el mejor neobanco para empresas de Europa?
💼 Solo cuentas empresariales
Qonto es un neobanco exclusivo para empresas ; no ofrece cuentas personales. Está diseñado específicamente para autónomos, autónomos, startups y pymes. Si necesitas una cuenta personal, consulta nuestra comparativa principal .
Resumen
The leading B2B-only European neobank purpose-built for SMEs and freelancers — deep accounting integrations and team finance workflows, not a retail consumer play; 600,000+ business customers
Situación regulatoria
Payment institution license (France, 2018); EU passport across served markets; filed for full French banking license in July 2025
Nota: Qonto solicitó una licencia bancaria francesa completa en julio de 2025. Actualizaremos esta sección cuando se confirme la licencia.
Planes de precios
| Plan | Precio | Ideal para |
|---|---|---|
| Solo | €9/mo | Freelancers, 30 transfers/month, 1 card |
| Essential | €49/mo | Annual; small teams, multiple users/cards |
| Business | €99/mo | Annual; growing SMEs, advanced features |
| Enterprise | €199/mo | Annual; large teams, dedicated support |
Características principales
- Local IBAN business account with instant SEPA and SWIFT transfers
- Physical and virtual Mastercard cards per team member
- Multi-user access with role-based permissions
- Integrated invoicing and payment collection
- Real-time expense categorization and receipt capture
- Accounting integrations (Xero, Slack, Pennylane, etc.)
- Direct debits and standing orders
- Automated VAT and tax provisioning
Dónde está disponible Qonto
Actualmente, Qonto presta servicio en: France, Germany, Spain, Italy, Austria, Belgium, Portugal, Netherlands. No está disponible en Irlanda ni en el Reino Unido.
Ventajas y desventajas
✅ Ventajas
- • Local IBAN business account with instant SEPA and SWIFT transfers
- • Physical and virtual Mastercard cards per team member
- • Multi-user access with role-based permissions
- • Integrated invoicing and payment collection
- • Real-time expense categorization and receipt capture
❌ Desventajas
- • No personal accounts — business only
- • Not available in Ireland or UK
- • Currently payment institution (not full bank) — no lending/credit
- • FX fees apply for transactions outside eurozone
- • No multi-currency IBANs
- • Mobile app lacks some desktop features
- • Account opening can take several days to validate
Funciones de viaje
Comparar todos los bancos para viajar →Cambio de divisas
1.7% comisión1.7% foreign transaction fee on non-EUR card payments. Not a competitive travel card — Qonto is optimised for eurozone business use.
Cajero en el extranjero
ATM withdrawals abroad charged at €2 each. Aimed at business users who rarely need cash abroad.
Seguro de viaje
No travel insurance. Business-focused product not designed for travel perks.
Sala VIP aeropuerto
No lounge access.
Multidivisa
EUR-only business account; no multi-currency sub-accounts or foreign IBANs.
Ventajas de viaje
- • Physical and virtual cards for each team member
- • Real-time receipt capture for travel expenses
- • Automatic expense categorisation (flights, hotels, meals)
- • Accounting software sync for travel expense reporting
Servicios: Cripto, inversión y ahorro
Criptomoneda
No disponibleQonto no ofrece servicios de criptomonedas.
Inversiones
No disponibleQonto no ofrece productos de inversión.
Ahorro
DisponibleECB rate linked
Interest-bearing balance for business accounts; details vary by plan
Comparar tasas de ahorro en neobancos europeos →Banca empresarial
DisponibleContabilidad: DATEV, Xero, QuickBooks, Sage, Pennylane, Cegid, Lexoffice
Europe's leading dedicated SME neobank with 600K+ business clients. Best-in-class expense management with receipt OCR, approval workflows, and budget management. €448.7M revenue in 2024, profitable since 2023. Applied for French banking licence in July 2025. No retail personal accounts — 100% business focused.
Comparar todas las cuentas de empresa →Planes premium
Comparar planes premium de todos los bancos →- • 1 user, 1 debit card
- • 30 SEPA transfers/month
- • Integrated invoicing
- • Receipt capture & accounting sync
- • Multiple users and cards
- • Higher transfer limits
- • Advanced expense management
- • Multi-accounting integrations
- • Full team finance management
- • Role-based access controls
- • API integrations
- • VAT automation
- • Dedicated account manager
- • Unlimited users and cards
- • SLA-backed support
- • Custom integrations
- • On-site training
| Característica | Solo 9 €/mes | Essential 49 €/mes | Business 99 €/mes ★ Mejor valor | Enterprise 199 €/mes |
|---|---|---|---|---|
| Tarjeta metálica | — | — | — | — |
| Seguro de viaje | — | — | — | — |
| Sala VIP aeropuerto | — | — | — | — |
| Cajero gratis/mes | — | — | — | — |
| FX gratis/mes | — | — | — | — |
| Tasa de ahorro | ECB-linked | ECB-linked | ECB-linked | ECB-linked |
| Cashback | — | — | — | — |
| Mejores ventajas |
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Nuestro veredicto
Qonto obtiene una puntuación de 4,8/5 en Trustpilot a partir de 50 000 opiniones, la puntuación de satisfacción más alta entre todos los neobancos de la UE que hemos analizado. Para autónomos y pymes de Francia, Alemania, España, Italia, Bélgica, Austria, Portugal o los Países Bajos, es el líder indiscutible del mercado en banca empresarial. La principal limitación: no ofrece cuentas personales, tiene una cobertura geográfica limitada y aún no cuenta con una licencia bancaria completa (aunque se presentó una solicitud de licencia bancaria francesa en julio de 2025).