Qonto Referral Code juin 2026: €160 Free

Qonto does not hand out an alphanumeric code: the offer runs through a verified referral link.

The amount can change with the current Qonto campaign.

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

5. Activate your business IBAN — the €160 bonus is paid per the conditions

Documents required: the director's ID, company registration proof, and proof of address. Sign up only via the referral link to activate it.

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 offers 3 monthly plans for each growth stage:

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 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.

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.

A comparison of business neobanks:

Our verdict: Qonto has 500,000+ clients in Europe and excellent ratings. Strengths: a €160 bonus (one of the highest in the business segment), professional built-in invoicing, a modern interface, responsive support. Weaknesses: a mandatory monthly subscription (no free plan), 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.