Account Remuneration rewards businesses and associations for the active use of their Qonto payment account: it's our way of thanking you for choosing Qonto for your business payments.
If you are eligible and the feature is active, you can receive a reward calculated on your settled balance (within the limits of your plan) and credited monthly to your main account.
For more details on how to activate and use this feature, see: "How can I use Account Remuneration?"
Can I get Account Remuneration on my Qonto account?
Who is eligible?
To be eligible for Account Remuneration, you must meet the following criteria:
- Have an activated Qonto account and access with an Admin or Owner role
- Have a plan Smart or above (Basic plan excluded) subscribed from 1 October 2024.
- Actively use your Qonto account as a payment account: minimum 5 eligible transactions per month (minimum amount of €1 per transaction)
This offer is limited to tax residents of the respective country (organisations, legal representatives or beneficial owners).
Don't have an eligible plan yet?
If you have a Basic plan or a plan subscribed before 1 October 2024, you can access Account Remuneration by choosing the plan that best suits you. You can simulate how much you could earn with your balance directly from the Remuneration Simulator and change your plan independently from the Settings > Plan and billing section of your app.
To compare the available options and find out what the new Qonto plans include, see: → Which contract am I on?
If you need help or have any questions, our customer care team is here for you.
In which countries is it available?
Account Remuneration is currently available for businesses based in:
- 🇮🇹 Italy
- 🇫🇷 France
- 🇪🇸 Spain
- 🇳🇱 Netherlands
Do I have to pay fees to use it?
No: there are no fees to activate or use Account Remuneration.
The feature applies to your existing payment account: no separate accounts are created and your funds remain available as usual.
How does Account Remuneration work and when do I receive it?
What balance is the calculation based on?
Every night at midnight, the system automatically calculates the remuneration based on your settled balance across all your active internal Qonto accounts.
The calculation applies up to the cap set by your plan: any amounts above this limit do not generate additional remuneration.
How is it calculated?
The daily calculation uses the Annual Equivalent Rate (AER) of your plan, applied to the previous day's settled balance.
Remuneration accumulates day by day as a reward linked to using the account for your business payment needs.
When and how am I paid?
The accrued remuneration is paid monthly on the 2nd day of each month and is credited directly to your main account.
Promotional rate (new customers)
Where applicable, the promotional rate applies to new customers in accordance with the Terms and Conditions. At the end of the promotional period, the plan's standard AER will apply.
How will Account Remuneration appear on my account?
There is a specific transaction type labelled "Remuneration". Each monthly payment will be identified with this label in your transaction history.
You can also justify the amounts by downloading monthly statements from Business account > Accounts.
How is my remuneration rate determined?
Rates depend on your plan. They may be updated periodically based on market conditions and regulatory requirements. You can always view the current applicable rate on the Account Remuneration details page. Please refer to the current Terms and Conditions for the most up-to-date information.
AER and caps per plan
| Price plan | Cap | Standard rate | KYB promo | Promo duration |
|---|---|---|---|---|
| Smart | €50,000 | 1 --> 1.25% | 4% --> 5% | 60 days |
| Premium | €100,000 | 1 --> 1.25% | 4% --> 5% | 60 days |
| Essential | €200,000 | 1 --> 1.25% | 4% --> 5% | 60 days |
| Business | €200,000 | 1.5 --> 1.75% | 4% --> 5% | 60 days |
| Enterprise | €200,000 | 2 --> 2.25% | 4% --> 5% | 60 days |
| Basic | - | - | - | - |
You can estimate the remuneration per plan directly from this simulator.
Note: all rates are subject to change based on market conditions and regulatory requirements.