Qonto is a European business finance platform. It sells business accounts, cards, spend management, invoicing and bookkeeping tools to freelancers, SMEs and associations.
Qonto is a Paris-based fintech, a licensed payment institution, and not primarily an AI company. It offers a digital business account with cards, transfers, financing, invoicing, expense management and accountant tools, and has added built-in AI agents. It serves about 600,000 business customers in 8 European countries (as of July 2025). It earns money from subscriptions, payment and card fees, and financing. Reported 2025 revenue was about €495M with net income of about €93M. It raised a $552M round at a $5B valuation in January 2022 and has raised roughly $700M in total. It applied for a French banking licence in July 2025.
