Which contract am I on?

This article applies to customers who opened an account before 01/10/2024 and who have NOT — from that date onwards — changed their plan or purchased extensions by signing the new Contract with Financial Tool Extensions (hereinafter the "New Contract").

Since 2024, Qonto has been updating its plans to offer more value, and continues to do so: your plans are now updated to include even more features. Keep reading to find out what's changing and how to switch to Qonto's New Contract and new Plans.

What changes if I switch to the New Contract?

The New Contract includes the same six Plansnow updated to give you greater operational flexibility and new invoice and cash flow management features. In addition, you have access to three optional paid extensions (Automatic Invoicing, Project Hub, Team Spend Controls) that you can add whenever you wish. For details on the features included in each extension, click here

With the New Contract you can also activate Account Remuneration (from the Smart plan onwards) and receive up to 1.75% per year on your account balance, simply by making at least 5 eligible transactions of at least €1 per month. Find out more here

Find out what changes based on your Plan:

Basic Plan — price unchanged (€11/month or €108/year)

• Virtual cards: 0 → 2
• Included PagoPA: 0 → 10
• SEPA fee per additional transfer: €0.40 → €0.20
• New features included: client and supplier invoices, receipt forwarding, custom label, historical analysis, automatic categorisation, VAT calculation

Smart Plan — price unchanged (€23/month or €228/year)

• Included SEPA transfers: 60 → 100/month
• SEPA fee per additional transfer: €0.40 → €0.20
• Physical cards: 1 → 2
• Included PagoPA: 10 → 20
• Admin user accesses: 1 → 2
• New cash flow features included (historical analysis, automatic categorisation, VAT calculation)

Premium Plan — price unchanged (€45/month or €468/year)

• Included SEPA transfers: 100 → 200/month
• Physical cards: 1 → 2
• Included PagoPA: 10 → 30
• Admin user accesses: 1 → 2
• New cash flow features included (historical analysis, automatic categorisation, VAT calculation)

Essential Plan — price increase (€59/month or €588/year)

• Additional sub-accounts/IBANs: 4 → 9
• Included SEPA transfers: 100 → 250/month
• SEPA fee per additional transfer: €0.25 → €0.15
• Physical cards: 2 → 5
• Team members: 2 → unlimited
• New Manager role included
• New cash flow features included (historical analysis, automatic categorisation, VAT calculation)

Business Plan — price increase (€139/month or €1,308/year)

• Additional sub-accounts/IBANs: 9 → 29
• SEPA fee per additional transfer: €0.25 → €0.15
• PagoPA: 10 → unlimited
• Team members: 10 → unlimited
• New cash flow features included (historical analysis, automatic categorisation, VAT calculation)

Enterprise Plan —  price decrease  (€249/month or €2,388/year)

• Additional sub-accounts/IBANs: 24 → 99
• Included SEPA transfers: 1,000 → 10,000/month
• SEPA fee per additional transfer: €0.25 → €0.10
• PagoPA: 10 → unlimited
• Team members: 30 → unlimited
• New cash flow features included (historical analysis, automatic categorisation, VAT calculation)

⚠️ Note: your plan now includes invoice and cash flow management features, while advanced invoicing and team expense control features are available through three new optional paid extensions — Automated Invoicing, Project Hub, and Team Expense Control — structured differently. For more information about the available extensions, please refer to our contract.

Do plan prices change?

For most plans, no. Exceptions are Essential and Enterprise:

How can I switch to the New Contract?

You can make the change independently directly from your Qonto account in just a few clicks: Settings > Billing > Change plan

👆You will be asked to select the new plan and sign the new contract.

Alternatively, you can contact our customer care available 24/7 via in-app chat or phone, who will guide you in choosing the plan best suited to your needs.

⚠️ Note: When switching to the New Contract, you can freely choose any plan, including one with a lower price than your current one.

Do I need to change my plan?

No, you are not required to. You can stay on your current plan with no deadline and without anything changing in your account: your existing cards, IBANs, users and settings remain unchanged. Switching to the New Contract only happens if you decide to do so.

Please note that plans subscribed before 01/10/2024 may not include all the features available on Qonto: changing your plan allows you to access the most complete offering.

👉 The switch is permanent — once completed, it will not be possible to revert to the previous plan.