Qonto
Qonto is a European (EEA-based) fintech-infrastructure provider (Spend management, BaaS, Card issuing software). Verified at source - licence, regulator and registry reference. Active
Who it's for
Qonto is built for finance teams managing company cards, expenses and budgets. It operates with a full banking licence - deposit-guaranteed accounts and credit products are on the table. Verified stand-outs: published entry pricing (from EUR 9/mo).
Sovereignty profile
- Data residency (EEA): Yes - hosted in the EEA - GDPR / CLOUD Act safe
- Company origin: EU core (France)
- Client funds: deposits at a credit institution - deposit guarantee scheme applies (up to EUR 100,000)
What Qonto does
Capabilities & rails
- Entry price: from EUR 9/mo (as of verification - confirm at source)
Verified licence profile
Qonto SA - payment institution, ACPR n° 16958; SME business banking (accounts, cards, invoicing, expense). 600k+ clients across 8 EU countries; in-house card processor. Filed for FR banking licence (Jul 2025) to add lending. Profitable since 2023.
Verified 2026-06-26. How we verify → · Spotted something out of date? Report a correction. · Are you Qonto? Work with us →
Official register entries
- Payment institution (PI) - Prudential Supervisory and Resolution Authority · Ref 819489626 · Active (EBA PSD2 register, as of 2026-07-18)
Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.
Timeline
- 2025-07 [licence] Filed for a French banking licence to add lending
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Side-by-side
Verified facts in one table - licence, residency, rails. No verdict.
FAQ
Is Qonto European / EEA-based?
Yes. Qonto hosts data in the EEA (GDPR / CLOUD Act safe); origin EU core, France.
What does Qonto do?
Qonto covers: Spend management, BaaS, Card issuing software. Verified at source by Fintechnologica.