Verified provider profile

Qonto

Qonto is a European (EEA-based) fintech-infrastructure provider (Spend management). Verified at source - licence, regulator and registry reference. Active

EU core · FranceEEA data: YesLicence: PIVerified at source 2026-06-26
Request an intro See similar providers

Free for buyers: describe your use case and we check it against Qonto and verified alternatives - licence, data residency, fit for your market - then introduce you to the right person. Reply within 1-2 business days.

Who it's for

Qonto is built for finance teams managing company cards, expenses and budgets. It operates under a payment institution licence. 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)
  • Ownership / control: no change of control on record

What Qonto does

Spend management

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 How we verify → · Official website: qonto.com · Spotted something out of date? Report a correction.

Official register entries

  • Payment institution (PI) - Prudential Supervisory and Resolution Authority · Ref 819489626 · Active (EBA PSD2 register, as of 2026-09-18)

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

Similar verified European providers

  • AirPlus EU core PI Germany · EEA: YesShared: Spend management
  • Billhop EU core PI Sweden · EEA: YesShared: Spend management
  • Epassi EU core PI Finland · EEA: YesShared: Spend management
  • Fidoo EU core PI Czechia · EEA: YesShared: Spend management
  • Mazepay EU core PI Denmark · EEA: YesShared: Spend management
  • Pleo EU core EMI Denmark · EEA: YesShared: Spend management, Card form: Virtual / Physical / Metal

Side-by-side

Qonto vs Finom

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. Verified at source by Fintechnologica.

Want an introduction to Qonto, or a tailored shortlist of verified European providers? Request a match - free for buyers, neutral, zero pay-to-rank.

Are you Qonto? Work with us →