Qonto Referral Code 2026: Up to €320
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Promo offer
Qonto
Up to €320Valid on Qonto • Click to claim the offer
About this offer
- Up to €320 via the Qonto referral link (€160 each side)
- A business account for entrepreneurs and freelancers
- Built-in invoicing and management tools
- Business Mastercard cards included
- Customer service dedicated to professionals
Click the promo link to access the Up to €320 on Qonto. This offer is verified and regularly updated.
What is Qonto and why choose this online business account?
Qonto is the leading business neobank in Europe for entrepreneurs, freelancers and SMEs. It combines a business bank account, invoicing tools and simplified accounting.
Qonto strengths:
- Up to €320 free via the referral link (€160 each side)
- Built-in invoicing and quotes
- Business Mastercard cards (physical and virtual)
- Automated accounting (export, categorisation)
- Multi-user access for teams
To compare, see Shine, Finom or Revolut Business.
Qonto referral: what is the offer in 2026?
Qonto runs two distinct mechanisms — do not confuse them:
1. The referral link → cash bonus: up to €160 for you and €160 for your referrer (€320 shared in total). No code to enter — everything goes through the link.
2. The alphanumeric promo code → free subscription months (often up to 3 months instead of 1), entered at the "Promo code?" step when choosing your plan (see next section).
The two offers cannot be combined and are both reserved for new clients: pick whichever is more valuable for your profile.
Referral scale — verified link: https://qonto.com/r/nojq7s
| Reward type | Amount | Main conditions |
|---|---|---|
| New-user bonus — tier 1 | €80 | €50 spent with the physical card within 60 days |
| New-user bonus — tier 2 | +€80 | €3,000 spent within 60 days |
| Referrer bonus | Up to €160 | Same tiers (€80 + €80) |
| Code to enter | None | Offer activated by the link |
Scale checked on qonto.com/referral on 22 July 2026 ("over 50,000 successful referrals"). Qonto also advertises boosted caps during limited-time campaigns (details in-app).
Qonto promo code: how to get free months
Beyond the cash referral, Qonto also accepts genuine alphanumeric promo codes that grant free subscription months — this is what most people searching for a "Qonto promo code" actually want.
What a Qonto promo code gives you:
- Typically 1 to 3 free subscription months (instead of the standard trial), depending on the partner distributing the code
- The discount applies to the subscription (Basic from €9 excl. VAT/month, Smart €19, Premium €39), not a cash bonus
- Reserved for new Qonto clients
How to enter a Qonto promo code:
1. Start account creation and pick your plan (Basic, Smart or Premium)
2. At the "Promo code?" step, paste your alphanumeric code
3. The discount (free months) is applied automatically on confirmation
Important: a "free months" code and the referral link (up to €320) cannot be combined — Qonto reserves each offer for new clients. Rule of thumb: the referral pays more if you reach €3,000 in spending within 60 days; otherwise, free months are simpler to unlock. For a business account with no commitment, also compare Shine and Revolut Business.
How to open a Qonto business account with the referral
Open in 10 minutes online:
1. Click the Qonto referral link
2. Choose your plan (Basic, Smart, Premium)
3. Enter your status (sole trader, company)
4. Verify your identity and the company's, then order the physical card
5. Activate your business IBAN — €80 is paid once you spend €50 with the physical card (within 60 days), +€80 at €3,000 in purchases
Documents required: the director's ID, company registration proof, and proof of address. Sign up only via the referral link to activate it.
Qonto invoicing tools for entrepreneurs
Qonto includes a complete invoicing suite, with no external tool:
- Professional quotes in a few clicks
- Compliant invoices (legal mentions, VAT)
- Automatic reminders for unpaid invoices
- Built-in online payment (payment link)
- Accounting export (CSV, PDF, accountant connection)
Advantages vs Excel or Word: automatic compliant numbering, real-time collection tracking, legal archiving, multi-currency for international clients. Versus Shine, Qonto offers more plans and a higher €160 bonus.
Qonto plans: Basic, Smart and Premium compared
Qonto offers 3 monthly plans for each growth stage:
| Plan | Price/month | Main perks |
|---|---|---|
| Basic | From €9 | Business account + 1 card + invoicing |
| Smart | From €19 | Multiple cards + advanced accounting |
| Premium | From €39 | Multi-user + priority support |
Our advice: Basic for freelancers starting out, Smart for regular activity (automated accounting), Premium for SMEs with teams. The €160 bonus covers several months of the Basic plan — an excellent return at opening.
Qonto business cards and expenses
Qonto issues business Mastercard cards to separate professional and personal spending:
- Physical: everyday spending, restaurants, supplies
- Virtual: SaaS subscriptions, online purchases
- Per-employee cards: custom limits and categories
Features: photo receipts attached from the app, automatic expense categorisation, per-card limits, instant freezing. Clear pro/personal separation simplifies accounting and exports to your accountant. Versus Revolut Business, Qonto stands out for built-in invoicing and strong support.
Simplified accounting and conditions
Qonto automates accounting for freelancers and SMEs: automatic transaction categorisation, VAT calculated and exportable, an accountant connection (read access), export (CSV, PDF) compatible with accounting software, and a real-time cash-flow dashboard. For sole traders: revenue tracking vs thresholds, a digital income ledger, and threshold alerts. Estimated time saving: 5-10 hours a month vs manual management. On referral conditions: it is for new clients only, must be activated at sign-up, requires a business status (personal accounts not eligible), and one €160 bonus per company.
Qonto vs Shine vs Revolut Business, and our verdict
A comparison of business neobanks:
| Criterion | Qonto | Shine | Revolut Business |
|---|---|---|---|
| Referral bonus | Up to €320 (both sides) | Variable | Variable |
| Invoicing | Built in | Built in | Basic |
| Price/month | From €9 | From €7.90 | From €0 |
| Best for | SMEs, freelancers | Sole traders | International |
Our verdict: Qonto has 500,000+ clients in Europe and excellent ratings. Strengths: up to €320 across both sides (one of the highest referral payouts in the business segment), professional built-in invoicing, a modern interface, responsive support. Weaknesses: a mandatory monthly subscription (no free plan), bonuses tied to physical-card spending (€50 then €3,000 within 60 days), company verification sometimes takes 48-72h. Qonto is the No.1 choice for freelancers and SMEs wanting an all-in-one (banking + invoicing + accounting). Choose Shine if starting as a sole trader, or Revolut Business for international payments.
Frequently asked questions
What is the Qonto referral code in 2026?
Two separate offers. For a cash bonus, no code is needed: use the referral link https://qonto.com/r/nojq7s → up to €160 for you and €160 for your referrer (€320 total). For free subscription months (often up to 3 months), Qonto does accept genuine alphanumeric partner codes, entered at the "Promo code?" step. The two cannot be combined.
How much does Qonto give with the referral?
The new user receives €80 once they spend €50 with their physical Qonto card within 60 days, +€80 at €3,000 in purchases — up to €160. The referrer earns the same amounts, up to €160 per referral.
What are the conditions for the Qonto offer?
New Qonto client, sign-up via the referral link, a registered company or sole-trader status, and validated company verification. Bonuses unlock at €50 then €3,000 spent with the physical card within 60 days. One bonus per company.
Is Qonto suitable for sole traders?
Yes, Qonto offers plans from €9/month suited to sole traders: a business account, invoicing, revenue tracking and accounting export.
Does Qonto include invoicing?
Yes, quotes and invoices are built into all Qonto plans. Automatic reminders, online payment and accounting export are included.
Can I combine the Qonto referral with a promo?
Generally no: the referral and temporary Qonto offers are often mutually exclusive. Favour the referral link for the welcome bonus.
Qonto or Shine: which to choose?
Qonto for the €160 bonus, advanced accounting and SMEs. Shine to start as a sole trader. Both include invoicing.
Is the Qonto link still valid?
Yes, we regularly verify the referral link. The scale in force in 2026: €80 + €80 per side, per Qonto's terms.
How do I enter a Qonto promo code?
During sign-up, after choosing your plan (Basic, Smart or Premium), look for the "Promo code?" field and paste your alphanumeric code — the free-months discount applies automatically. For the cash referral bonus there is no code field: simply open the account via the referral link https://qonto.com/r/nojq7s.
Is Qonto reliable?
Yes. Qonto is a licensed payment institution (authorised by France's ACPR) with 500,000+ clients across Europe. Client funds are safeguarded in dedicated accounts, cards are issued via Mastercard, and the app enforces strong authentication. It is not a classic deposit bank: funds are not covered by a deposit-guarantee scheme but are protected through safeguarding.