Quick Summary
Key Features
- Virtual cards with real-time spend limits (one-time or recurring)
- Physical Mastercard debit/credit cards (One, Plus, Metal X)
- Apple Pay / Google Pay for virtual cards
- Invoicing, e-invoicing and accounting integrations
Main Advantages
- Free virtual card issuance
- Works with Apple Pay and Google Pay
- Both virtual and physical card options
Notable Limitations
- Recurring fee: €11/mo Basic (billed monthly; €9/mo annual)
- Availability limited to a small number of regions
- Terms change often — the provider's live numbers are final
The cards
Every format Qonto issues — pick the one that fits how you spend.
Qonto Virtual
Qonto Physical
1Can I get this card?
Supported Countries Map — powered by our availability data.
Qonto: Reported in 27 countries across 1 region (Europe).
Coverage reported by the provider — the exact applicant list is confirmed in-app.
2What does it cost?
Every fee we could verify for the Qonto card.
Fees verified October 13, 2026 from public web sources. Fees change often — always confirm the app's live numbers before signing up. This page is for information only, not financial advice.
| Fee | Qonto Virtual | Qonto Physical |
|---|---|---|
| Issuance fee | €0 | €0 |
| Monthly fee | €11/mo Basic (billed monthly; €9/mo annual) | €11/mo Basic (billed monthly; €9/mo annual) |
| FX fee | Varies by region — confirm in-app | Varies by region — confirm in-app |
3What do I get?
Perks, rewards and capabilities that come with the card.
| Category | Benefit |
|---|---|
| Card options | Virtual cards with real-time spend limits (one-time or recurring) |
| Card options | Physical Mastercard debit/credit cards (One, Plus, Metal X) |
| Mobile wallets | Apple Pay / Google Pay for virtual cards |
| Perks | Invoicing, e-invoicing and accounting integrations |
| Perks | Account remuneration up to 5% on balance (Smart+ plans, selected countries) |
4What do they need from me?
What you will have to provide or meet to get and use the card.
| Requirement | What it means |
|---|---|
| Identity check | ID verification required — verify your identity in the app before ordering |
| Funding | You will need a way to load the card: SEPA bank transfer, SWIFT / international transfer, SEPA direct debit |
| Age | You must be 18 or older to apply |
Card specs
| Feature | Qonto |
|---|---|
| Virtual card issuance | €0 |
| Monthly / annual fee | €11/mo Basic (billed monthly; €9/mo annual) |
| Card network | Mastercard |
| Card type | Virtual + Physical |
| KYC | ID verification required |
| Top-up methods | SEPA bank transfer, SWIFT / international transfer, SEPA direct debit |
| Supported assets | EUR business accounts with local IBANs, multi-currency international transfers |
| Regions | Europe |
Rating breakdown
Pros & cons
Pros
- Virtual cards with real-time spend limits (one-time or recurring)
- Physical Mastercard debit/credit cards (One, Plus, Metal X)
- Apple Pay / Google Pay for virtual cards
- Invoicing, e-invoicing and accounting integrations
Cons
- Availability varies by region — confirm in-app
- Fees may change — check live numbers
Frequently asked questions
How much does the Qonto virtual card cost?
The virtual card issuance fee is listed as €0. No standalone issuance fee for virtual cards — issued under an active plan; Basic plan includes 0 virtual cards (€2/mo per card), Smart/Premium include 50/mo (€1/mo per extra card). Fees change often — confirm in the app.
Which countries support Qonto?
Qonto is available in: Europe. Serves businesses registered in France, Germany, Italy, Spain, Netherlands, Belgium, Austria and Portugal. EEA-registered business entity required; strictly business use (no personal accounts).
Does Qonto require KYC?
ID verification is required for this platform based on our research. Requirements can vary by region — check the app for your country.
What can I top up the Qonto card with?
Supported top-up methods: SEPA bank transfer, SWIFT / international transfer, SEPA direct debit.
Our verdict
Qonto scores 6.4/10 in our rating system. Europe's leading business-banking suite with real-time virtual cards built for team spend
Get the Qonto card
Apply directly with the provider — check current fees and availability for your country in their app.
Visit Qonto's official site →Fees verified October 13, 2026. Always confirm live numbers in-app.