The receipt photographed and filed for you
You take a photo of the receipt in the app. Qonto reads the amount, date, and vendor, then attaches it to the matching payment. Qonto presents these scanned receipts as certified.
AI tools · Accounting, finance, HR, legal
Qonto pricing, use cases, and first steps
Qonto is business software: an online business account with cards, invoicing, and expense tracking, for freelancers and small businesses. AI does three things in it. It reads your receipts and files them with the right payment. Two agents, “The Operator” and “The Analyst,” prepare your transactions and answer your questions. And you can also query Qonto from Claude or ChatGPT.
Qonto has no free plan. Prices checked on October 3, 2026 on the vendor’s official page.
QontoThe business account where an agent prepares your transfers and invoices- Vendor
- Qonto (France)
- Free plan
- No
- Page checked on
- October 3, 2026
What Qonto does
Who it’s for: small business owners, freelancers, and employees who pay with a Qonto card and have to provide their receipts.
The Operator prepares, you confirm
You describe what you want in one sentence. The agent prepares the transfer, card, or invoice, then shows you the result. Nothing goes out without your confirmation.
The Analyst answers from your numbers
You ask a question about your finances. The agent goes through the account history and answers with amounts: spending by category, balance, changes in cash flow. It can produce a CSV export.
Also
- Invoices created and followed up
- Pay several people at once
- Bookkeeping, prepared
- Qonto in your assistant
- Missing receipt reminders
Qonto pricing
No free plan, but a one-month trial on every plan. The page says monthly billing exists, without showing its price. Add-ons: automated invoicing (€12 per month), project tracking (€20 per month), team spend control (€39 per month), excl. tax.
| Plan | Price | Who it’s for |
|---|---|---|
| Basic | €9 per month, excl. tax, billed yearly | Freelancers getting started |
| Smart | €19 per month, excl. tax, billed yearly | Freelancers with steady activity |
| Premium | €39 per month, excl. tax, billed yearly | Freelancers with many transactions |
| Essential | €49 per month, excl. tax, billed yearly | Small teams |
| Business | €109 per month, excl. tax, billed yearly | Growing companies |
| Enterprise | €199 per month, excl. tax, billed yearly | Established companies |
Nova’s advice
If you are an employee, you have nothing to choose: the company pays. If you are self-employed, start with Basic during the trial month: the agents and receipt reading are already in it. Move to Smart if your accountant needs to log in or if 30 transfers per month are not enough.
A first try, in 5 minutes
Your data. Qonto hosts your data in Europe and says it does not use it to train any AI other than its own.
What it does less well
- An agent can misunderstand a request: wrong beneficiary, wrong amount, wrong date. Always review the confirmation screen before you approve. It is your money going out.
- Answers from “The Analyst” are a help, not your accounting. Before you rely on an important figure, check it in the transaction list.
Ask your accounts a questionQonto- Open Qonto on a computer and click the chat bubble at the bottom right.
- Paste the prompt below. It is a question: nothing moves on the account.
- Read the answer from “The Analyst” and compare one or two figures with your transaction list, to check.
- Then ask for a simple action, for example: “Prepare a €50 transfer to” followed by the name of a saved beneficiary.
- “The Operator” shows the transfer ready to go, with the amount and the beneficiary. Review it. Confirm only if you really want to send it, otherwise cancel.
The prompt to copy
What were my five biggest expenses last month, sorted by category? Compare with the month before and tell me what increased the most.
Jobs that use Qonto
In the starter kit for 7 jobs.
Alternatives to Qonto
Spendesk
For a larger company that keeps its bank and mostly wants to control team spending.
Pennylane
If the main need is accounting and invoicing, shared with your accountant.
Agicap
For tracking and forecasting cash flow across several banks in one place.
Dext
If you only want to collect and read receipts and invoices, without changing banks.
Frequently asked questions about Qonto
How much does Qonto cost?
Basic: €9 per month, excl. tax, billed yearly; Smart: €19 per month, excl. tax, billed yearly; Premium: €39 per month, excl. tax, billed yearly; Essential: €49 per month, excl. tax, billed yearly; Business: €109 per month, excl. tax, billed yearly. Prices checked on October 3, 2026 on the vendor’s official page.
Can you use Qonto for free?
No: Qonto has no free plan. If you are an employee, you have nothing to choose: the company pays.
What happens to my data with Qonto?
Qonto hosts your data in Europe and says it does not use it to train any AI other than its own.
What are the alternatives to Qonto?
Spendesk: For a larger company that keeps its bank and mostly wants to control team spending. Pennylane: If the main need is accounting and invoicing, shared with your accountant. Agicap: For tracking and forecasting cash flow across several banks in one place. Dext: If you only want to collect and read receipts and invoices, without changing banks.
Official pages consulted
Page checked on October 3, 2026. Brands are named to identify the tools. No affiliation.