Centralize your financial management and gain full visibility over your company's cash flow ✨ with Qonto's account aggregation feature. It lets you connect professional external bank accounts and Payment Service Provider (PSP) accounts — such as Stripe or PayPal — directly within the Qonto app, so you can monitor balances and transactions in one place.
This feature is available on all pricing plans. Owners and Admins can manage external account connections on both web and mobile, while Owners, Admins, and Reporting roles can view external account data.
How do I set up my external account connection?
We recommend connecting external accounts exclusively in euros.
From the web app:
- Go to Business Account > Accounts and click Add an account.
- Click External account > Choose.
- Select the bank or PSP you want to connect:
- From suggestions: Choose from the list of popular banks and PSPs already displayed.
- Via search: Use the search bar if your institution doesn't appear in the suggestions.
- If you can't find your institution, the connection isn't yet available.
- Approve the connection by giving your consent. You have two options:
- QR code: Click Allow and continue and scan the QR code to log in via your external bank's mobile app. This option is only available for some institutions.
- Desktop: Click Continue from desktop to be redirected to your external account and log in with your usual credentials.
- Select the bank accounts you want to connect. You can select more than one at once — accounts are identified by their name and balance.
You'll be redirected to Qonto, and your external account will appear in the Accounts section. A confirmation email will be sent once the data is fully synced.
You can also find External account in the Integrations and Perks section of your settings.
From the mobile app:
- From the Home screen, go to the Balance section and tap the ➕ symbol.
- Select External account.
- Tap Allow and continue and give your consent to approve the connection.
- Select your account and log in with your usual credentials.
- Tap Allow the connection to Qonto.
Your external account will appear in the Accounts section once connected. If the institution you want to connect doesn't appear in the list, you can fill out a request form to suggest it to our teams.
⚠️ When setting up your connection for the first time, select only the bank accounts relevant to your business. Once the connection is created, you cannot add or remove individual accounts from it. To change which accounts are connected, you'll need to disconnect and delete the entire bank connection, then reconnect the bank and reselect your accounts during the setup flow.
How does my account overview look once connected?
All your accounts — both Qonto and external — are available in the Accounts section of your interface. They are organized into four categories, ordered from most used to least used:
- Current accounts: Everyday accounts used for cash flow management.
- Savings accounts: Accounts dedicated to savings.
- Wealth accounts: Long-term financial investment accounts.
- Other accounts: Used when the account type doesn't fit the categories above.
The logos of your external bank or PSP appear in both your account list and your transactions list, making it easy to identify which account was used for each transaction.
To personalize your view, go to the Overview section, click All accounts, select the accounts you want to display, and press Apply.
Transactions from your external accounts are also visible in your cash flow dashboard, where you can categorize and filter them directly. You'll have access to up to 3 months of transaction history, or more depending on your bank.
Where can I see the status of my connected banks?
The Connected banks page in your settings gives you a central overview of all your external bank connections. From there, you can monitor each connection's health and take action if a synchronization issue occurs. To access it, go to Settings > Integrations and Perks > Connected banks.
From this page, you can see all your bank connections, the number of connected accounts, the last synchronization date, and the current status of each connection. Here is what each status means:
- Up to date: The connection is active and synchronized normally.
- Expires soon: Your consent will expire soon. Renew the connection to avoid interruption.
- Expired: Your consent has expired. Renew the connection to resume synchronization.
- Disconnected: The connection has been stopped, but the account remains visible in Qonto with a €0 balance.
- Deleted: The external account and its history have been permanently removed from Qonto.
For safety reasons, you need to renew your connection every 6 months. You'll receive a notification in the Qonto app with a link to launch the renewal flow directly.
If the connection expires or synchronization is interrupted, new transactions will no longer sync. However, external transaction data already visible in Qonto will remain available.
How do I disconnect or delete an external account?
Managing your external bank connections is fully flexible. You can disconnect, reconnect, or permanently delete an external account at any time. Here is what each action means:
- Disconnecting stops synchronization. The account remains visible in Qonto with a €0 balance, and past transactions and attached documents remain accessible.
- Reconnecting renews the connection and resumes data synchronization from this account.
- Deleting permanently removes the account and its entire history from Qonto, including past transactions and attached receipts or documents.
To disconnect an external account:
From the web app:
- Go to Settings > Integrations and Perks > Connected banks.
- Select the bank connection you want to disconnect.
- Click the status button (e.g., Connected) in the top-right corner.
- Select Disconnect from the dropdown menu.
- Confirm the disconnection.
From the mobile app:
- Go to Settings > Integrations and Perks > Connected banks.
- Choose the bank connection you want to disconnect.
- Tap Manage connection, then select Disconnect.
- Confirm the disconnection.
After disconnection, the external account remains in your account overview with a €0 balance. Its past transactions and attached documents remain accessible, but Qonto will no longer sync new data.
To reconnect a disconnected external account:
You can reconnect an external account only if it has been disconnected — not deleted. Open the disconnected external account and select Renew connection. You'll be guided through the connection flow again to give your consent.
Once renewed, Qonto will resume synchronizing data from this external account. If the account has been deleted, you cannot renew the previous connection and must add it again as a new external account from the beginning.
To delete an external account:
To permanently delete an external account, you must first disconnect it. Once disconnected:
From the web app:
- Go to Settings > Integrations and Perks > Connected banks.
- Select the bank connection.
- Click the status button in the top-right corner.
- Select Delete and confirm the deletion.
From the mobile app:
- Go to the Accounts section.
- Select the disconnected external bank account you want to delete.
- Tap Delete permanently and confirm.
⚠️ Deleting an external account permanently removes all past transactions, receipts, and documents linked to it. This action cannot be undone. To connect the same bank again after deletion, you'll need to add it as a new external account and complete the connection flow from the beginning.
What should I know about data access and exports?
Can Qonto access my external accounts?
No. Qonto only retrieves data from your external accounts to display and enrich it within the app. Qonto does not have access to your banking credentials and cannot initiate transactions on your accounts.
Can I export transactions from my external accounts?
Yes. You can include external transactions and their attachments in your export. See How do I export my transactions? for the full steps.
Can I attach an invoice or receipt to an external account transaction?
Yes. You can attach receipts to external account transactions via your forwarding email address or directly from the Transactions section.