As mentioned before, Qonto goes beyond the usual business banking experience: it’s an all-in-one business finance management solution. It’s a business account that comes with an assortment of integrated tools that help simplify your day-to-day business management for bookkeeping, spend management, invoicing, admin and more.

This is why, depending on how you used your Penta Starter plan you’ll want to choose a Qonto plan according to your business needs, not according to its price (as a reminder, your first 4 months at Qonto are free). An equivalent price may not translate directly into the same amount of member accesses, monthly outgoing transactions, or sub-accounts, for example. 

Qonto has a wide range of plans for SMEs that respond to various needs along various stages of growth. Follow the guide below to find the best plan for your business. 

  • Essential (€29/month excl. VAT)

If you used your Starter plan as a team, we recommend Qonto’s Essential plan, a full-feature option that will help you manage your business with 2 (or more) member accesses.

If you had 2 or 3 members with your Starter plan, Qonto’s Essential plan would be the best fit for you. It comes with 2 member accesses (in addition to your Accountant access) and 2 Business Mastercards (One Card) included, with the option to add extra members for €5/month/additional user (excl. VAT). Create as many virtual cards as you need, and choose from a premium mix of physical cards should you need more. You get:

  • Improved payment methods: pay and get paid fast with Instant SEPA transfers; make up to 400 payments at once with bulk transfers
  • Advanced Dashboard feature: track your cash flow and create custom views and filters to gain financial insights
  • ConnectPlus: in addition to DATEV, lexoffice, Stripe, and others - get access to exclusive integrations with premium tools
  • Advanced bookkeeping: give your accountant read-only access to your account, store digital certified receipts on your account, create and manage transaction labels for better visibility and easier admin
  • Advanced invoicing: create, send and track customer invoices directly from your Qonto business account
  • Supplier invoice management: centralize your Accounts Payable by importing supplier invoices to your account; track and pay them in just a few clicks
  • Create up to 4 sub-accounts to separate spending, save for future projects, or set aside taxes
  • Team spend management: give your teams autonomy while staying in control of expenses by giving select team members permissions for making and/or approving purchases. Set spending limits, or limit spending by specific spending categories (food, transportation...), on your terms

The Essential plan comes with Qonto’s top-tier Customer Support, available 7 days a week by chat, phone or email.

Compare all Qonto SMEs and Startups plans

If you have any further questions please do not hesitate to reach out to our dedicated Serviceteam via and be sure to check our Information page on the merger of Penta and Qonto.