At Qonto, our mission is to offer you a complete business account, with fair and transparent pricing.

How are additional fees calculated?

Depending on your plan, a certain number of operations are included while others will be additional fees.

Cards

Fees related to cards depend on your subscription and the type of card.

Physical cards: Additional cards will be charged (€5 per One card, €8 per Plus card, €20 per X card).

Virtual cards: With the Basic plan, you will be charged €2 per month, per card. All other plans contain unlimited free virtual cards.

Instant cards: They are only available for Business and Enterprise plans, and they are unlimited and free. Starting on 01/10 these features are available with Add-on Expense and Spend Management according to the new pricing (more details here).

FX fees

A foreign exchange commission will apply for card payments made in currencies other than the euro, based on your card type:

• One, Virtual, and Instant Cards: A 2% fee is charged on all non-euro transactions.

• Plus Card: A reduced fee of 1% applies.

• X Card: Non-euro transactions are completely free, with no foreign exchange commission.

These fees are automatically calculated and added to your transaction at the time of payment. For more details, check your card’s terms and conditions.

Cash withdrawal

The billing for cash withdrawal will depend on the card you withdraw cash with:

• One card: €2 per withdrawal;

• Plus card: 5 withdrawals included per month, €2 per additional withdrawal;

• X card: unlimited free withdrawals.

Transfers and direct debits

SEPA zone: Your plan contains a specific number of transfers (incoming and outgoing) and direct debits. For any additional operation, you will be charged €0.40 (for Basic, Smart and Premium plans) or €0.25 (for Essential, Business and Enterprise plans).

International transfers in foreign currencies:  With Qonto, you can make foreign currency transfers through our partner Wise which enables you to process it using local networks, in addition to the SWIFT network.

You will find all fees applied in this dedicated article: How can I submit international transfers in foreign currencies?

Direct debit collection :

You can collect payments from your client via direct debit. Find all fees applied in the dedicated article: How to collect money from my clients?

Checks (for French companies only)

Each plan includes a specific number of checks. Additional deposited checks are charged €2.

Members

Essential, Business, and Enterprise plans allow a certain number of member access in your Qonto account. For each of these plans, you can add additional members for €5 per access, per month.

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Service fees

These additional fees can include the delivery of a new card (€6 excluding VAT) or the processing of irregularities (for French companies), in the context of a judicial authority demanding the repayment of an unpaid debt.

• SATD: the management of SATD is invoiced at 10% of the total amount requested by the seizing structure, with a high ceiling of €100 including VAT.

• Seizures: the management of seizures is invoiced at €100 including VAT.

How to find the details of my Qonto fees?

Moreover, if you wish to see the details of your charges during the current month, you can go to Settings > Billing and invoice > Price plan details.

You can get additional information on all Qonto fees in your history view by clicking on the transaction line.

💡 In some cases, it can be a good choice to upgrade your plan, to get access to a higher number of operations and advanced features.

👉 To know more about our plans, take a look at our dedicated website page.

👉 If you want to understand how the billing works at Qonto, visit this article.