Qonto has updated its Financial Tools pricing and packaging to make core financial workflows available as part of your plan, not behind separate paywalls ✨. Most features previously locked in add-ons — Accounts Payable, Accounts Receivable, spend management, and cash flow — are now included directly in your plan. Add-ons now cover only the more advanced, incremental capabilities you choose to activate as your business scales.
These changes affect all Qonto plans and apply to Accounts Receivable, Accounts Payable, Expense & Spend Management, and Cash Flow Management. New customers see the updated pricing from August 3, 2026. If you're an existing add-on customer, your migration happens automatically by October 1, 2026 — no action needed on your part.
What's changing with my plan price?
The Business plan price is increasing by €20/month on monthly billing, or €10/month on annual billing. This increase reflects the addition of Financial Tools features now included in the plan. All other plans — Essential, Smart, and Premium — have had Financial Tools features added with no change to their base price.
If you're an existing add-on customer, you'll receive a legal notice before any change takes effect. Your migration is automatic and managed via voucher — there's nothing you need to do. If you have questions about your specific situation, you can reach the support team via chat, available 24/7.
What's changing with Accounts Receivable?
The Accounts Receivable Plus add-on (previously €45/month) is retiring on July 31. Several features from that add-on are now included in all Qonto plans at no extra cost:
- Custom branding & attachments: Personalize your invoices and quotes with your brand identity.
- Reusable templates: Save time with reusable invoice, quote, and email templates.
- Real-time data sync: Your invoicing data stays automatically synced with your financial tools.
For more advanced invoicing needs, two add-ons are available as replacements:
- Invoice Automation (€15/month): Includes recurring invoicing, quotes with built-in e-signatures, and automated reminders for quotes and invoices.
- Project Tracking (€25/month): Includes a client portal for quotes, invoices, and status updates, the ability to organize by project or client, and margin tracking per project.
If you activate both add-ons, the combined cost is €40/month — lower than the €45/month of the single legacy add-on.
What's changing with Accounts Payable?
The Accounts Payable Plus add-on (previously €35/month) is retiring on July 31. Features from this add-on are now split across plan tiers, so you may already have access to what you need depending on your current plan.
If you're on Essential+, you now have access to:
- Transfer & payment requests in Tasks
- Real-time budget tracking
If you're on Business+, you additionally get:
- Integrations to sync invoices with tools like Sellsy and Axonaut
- Tool sync with external AP tools, including EBICS
- Automated payment initiation via ERP
☝️ Advanced approval workflows — including approval workflows on bills, advanced manager permissions, and 4-eyes validation — remain available through the Team Spend Control add-on (€49/month), which requires a minimum of an Essential+ plan.
What's changing with Expense & Spend Management?
The Expense & Spend Management Plus add-on (previously €89/month) is retiring on July 31. Most of its features are now included in your core plan depending on your subscription tier.
If you're on Essential+, you now get:
- Basic manager role
- 50 team cards with spending limits (virtual, ad hoc, and instant)
- Expense reports for mileage
- Transfer & payment requests
- Real-time budget tracking
If you're on Premium+, you also get subscription detection and renewal alerts. If you're on Smart+, solo expense reports are included.
Cards: Previously, the add-on included unlimited virtual cards. All Smart+ plans now include 50 virtual cards, with additional cards available at €1 per card. Unlimited cards are included on Business+.
The Team Spend Control add-on has been revised and repriced to €49/month, with a focused set of features to help you manage team spend:
- Advanced manager permissions & approval workflows
- 4-eyes validation for sensitive payments
- Advanced card settings (limits by day, category, or amount)
- Auto-block cards for missing receipts
- HRIS integration
What's changing with Cash Flow Management?
The Cash Flow Management Plus add-on (previously €29/month) is retiring on July 31 — these features are now embedded directly into all Smart+ plans at no extra cost.
The following features remain available on all plans, unchanged:
- Historical cash flow analysis
- Automatic transaction categorization
- Expected transactions
If you're on Smart+, you now also get access to:
- Real-time forecast projection (up to 6 months)
- Scenario creation and tracking
- Google Sheets & Excel integrations
- Interactive cash flow table
- Smart actions to stay cash-positive
- Real-time VAT estimate
- Automated approvals
- Rules center