Qonto key facts
Last updated- Legal entity
- Qonto SA
- Headquarters
- France (FR)
- Ownership
- Independent
- Founded
- 2017
- Data hosting
- EU (any EU region), France
- Infrastructure
- AWS (Europe) / Internal (Inferred based on fintech standards, though not explicitly in text)
- Deployment
- SaaS
- Open source
- No
- US Cloud Act exposure
- Low (no US parent)
- Certifications
- Payment Institution license (ACPR), French Tech Next 40
- Replaces
- Finom Cristallina, Penta (acquired by Qonto), Tide Business Account, Traditional business banking (e.g., BNP Paribas, Deutsche Bank), Finom Sioux, HSBC Business Banking, BNP Paribas Business Account, Wise Business, n26 Business Bank Account, Wise Business Account, Holvi Business Account, BNP Paribas Business Banking Service, Société Générale Business Solutions
About Qonto
Qonto is a leading European business finance management solution designed specifically for small and medium-sized enterprises (SMEs) and freelancers. Headquartered in Paris and regulated by the French Prudential Supervision and Resolution Authority (ACPR), Qonto provides a modern alternative to traditional corporate banking. The platform integrates essential financial tools—including business accounts, payment cards, invoicing, and expense management—into a single, streamlined interface to reduce administrative overhead for business owners. A key differentiator for Qonto is its proprietary Core Banking Platform, built from scratch to ensure independence from third-party banking infrastructure. This allows for seamless integration with the SEPA network and Mastercard, providing real-time transaction tracking and advanced bookkeeping features. Since its launch in 2017, the company has expanded its operations across eight European markets, serving over 600,000 customers with a focus on speed, transparency, and automated financial workflows.
Alternative to
Target Segments
Deployment Options
Hosting & Security
AWS (Europe) / Internal (Inferred based on fintech standards, though not explicitly in text)